Home Loan Rejected? Here’s Why It Happened and How to Get Approved in 2025

1. 5 Common Reasons Your Home Loan Gets Rejected 3 And How to Fix Them in 2025! Avoid costly mistakes, improve eligibility, and unlock fast home loan approval. This presentation guides you through the main reasons why home loans get rejected in India and how to fix them effectively in 2025.

2. Why Do Home Loans Get Rejected in India (2025 Update)? Common Rejection Reasons Key Questions Why home loan gets rejected? Loan applications often fail due to poor documentation, low credit scores, income mismatch, or technical errors. How to get home loan approved after rejection? Understanding Is Key Knowing the reasons behind rejection helps you address issues and improve your chances of approval.

3. Reason #1 3 Low or Poor CIBIL Score Why It Happens How to Fix Missed credit card payments Pay off debts promptly Multiple unsecured loans Maintain credit card usage below 30% High credit utilisation Monitor and improve CIBIL score using credit reports

4. Reason #2 3 Incomplete or Wrong Documents Key Documents Required Income proof (salary slips/ITR) Bank statements (last 6 months) Identity and address proof Property documents Tips to Avoid Rejection Submit updated KYC and valid ITR or alternate income proofs for faster processing.

5. Reason #3 3 Low or Unstable Income Income Issues How to Improve Lenders require minimum income to meet EMI obligations. Salaried individuals earning below ¹15,000/month or with unstable income may face rejection. Add a co-applicant such as spouse or parent Opt for a longer loan tenure to reduce EMI Show additional income if self-employed

6. Reason #4 3 Self-Employed with Irregular Income Common Issues No ITR filings Inconsistent bank deposits Unregistered business Solutions File ITRs for at least 2 years Show average business income through bank statements Add a salaried co-borrower if possible

7. Reason #5 3 Not Meeting Home Loan Eligibility Criteria (2025) Eligibility Criteria Improvement Tips Age between 21 and 60 years Clear outstanding loans Minimum income ¹15,000+ (varies by city) Show job stability Minimum CIBIL score of 700 Apply jointly with co-applicant Stable job or verified business Many borrowers face rejection simply because they don¾t meet the home loan eligibility criteria 2025, which includes having a stable income, a good credit score, and being within the eligible age bracket.

8. How to Fix Home Loan Rejection and Get Approved Know Your Rejection Reason 1 Get the rejection reason in writing to understand what to fix. Fix Errors 2 Correct CIBIL score issues and documentation errors promptly. Reapply After 3 Months 3 Apply again with better credentials and improved proofs. Boost Income Proof 4 Add a co-applicant or increase savings to strengthen your application.

9. Fast Home Loan Approval Tips in 2025 Clean Credit Report Avoid Multiple Applications Apply home loan in india only with a good credit history to increase approval chances. Limit loan applications to prevent negative impact on credit score. Choose NBFCs Pre-Approved Properties Non-Banking Financial Companies often offer more flexible approvals. Opt for properties already approved by lenders for faster processing.

10. Final Checklist 3 Avoid These Common Mistakes Common Mistakes to Avoid Not checking credit score before applying Submitting incomplete or incorrect forms Ignoring bank eligibility criteria Applying without stable income proof Final Tips Improve CIBIL score before applying Choose the right lender for your profile Submit accurate and updated documentation Reapply with fixes if rejected

11. Thankyou Contact No. :+91-9797971876 Websites :https://www.investkraft.com/ Email Id. : care@investkraft.com