Your credit score, income stability and loan-to-value ratio decide your home loan rate. Here is how to optimise each.
1. Maintain a 750+ CIBIL score
Pay EMIs on time and keep credit utilisation under 30%.
2. Compare 5+ lenders
Use Kreditbazaar to compare HDFC, ICICI, IDFC FIRST, Tata Capital and others in one go.