A high CIBIL score doesn’t guarantee home loan approval.
In 2025, many borrowers with 750+ CIBIL are shocked when banks reject their applications.
So what’s going wrong?
This article reveals the lesser-known reasons banks reject home loans even with excellent credit scores.
Myth: High CIBIL = Guaranteed Approval
Truth: CIBIL is only one part of the decision.
Banks also assess:
- Income stability
- EMI burden
- Property legality
- Employment continuity
The #1 Hidden Reason: Property Risk
Many rejections happen because:
- Property is not RERA registered
- Missing OC / CC
- Builder litigation
- Land title issues
Banks reject properties faster than people.
Other Silent Deal-Breakers
- High EMI-to-income ratio
- Recent job change
- Multiple loan inquiries
- Unverified income source
Even one red flag can stop approval.
How to Avoid Rejection (Even With 750+ CIBIL)
- Get property pre-checked legally
- Maintain stable job for 6+ months
- Limit loan applications
- Keep documents clean and consistent
Final Word
A high CIBIL score opens the door – but approval depends on the full financial picture. Smart preparation beats surprises.