Home Loan Eligibility

POSTED BY Rohit ON January 17, 2013 5:24 pm COMMENTS (3)

Hi, My self Rohit. Two year back i had a credit card for HDFC bank. Before going to UK i have paid all the balances in hdfc Bank. Post one year 2012 (September) i got letter from HDFC for Paying approx 6500 INR. While i inquired then they told that initially i was not pay full payment and 1200 INR was left. So the amount came as 6500 with interset. I paid all amount and Got NOC from Bank. This inceident impact on my CIBIL and currently its 657. Am i eligible to get home loan? What should i do now?

3 replies on this article “Home Loan Eligibility”

  1. Credexpert says:

    Dear Rohit,

    The amount unpaid for 1 year would be reflected on your credit report as late payments and has impacted your credit score. 657 is an average score and there could be other factors other than these late payments that could have impacted your credit score.


  2. Dear Rohit, as you have paid the full amount, please ask HDFC to correct your position in CIBIL report. based upon this, your score ‘ll improve. Also at the time of filing for home loan, you can produce the NOC given by bank to your lender.



    1. Rohit says:

      Than you, Jauhari Sir. i will follow your suggestion and update you accordningly.

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