Approval becomes significantly harder. You may need a co-applicant with a strong score (like a spouse) or look into niche lending options. Why Those Points Matter (The Lakhs in Savings)
Think of your credit score as your financial reputation. In 2026, lenders categorize borrowers into four main zones: how much credit do i need to buy a house
If your score isn’t quite where you want it, don’t panic. Most borrowers can see significant improvements within 6 to 12 months by following these "fitness" habits: Home Loan Interest Rate (Apr 2026) Today Starting @8.15% Approval becomes significantly harder