Everything you need in order before you apply — credit score targets, documents, and how to compare offers without overpaying on interest.
A strong home-loan application starts months before you sign anything. Lenders look at your credit score, income stability, and existing obligations.
Aim for a credit score above 750. Keep your EMI-to-income ratio under 40%. Use our EMI calculator to model scenarios.
Don't chase the headline rate. Compare processing fees, prepayment terms, and whether the rate is fixed or floating.