I’ve cleared all my dues in CIBIL reflecting as settled or write-off. Also no loan is running at present. The CIBIL score is 779. My current Credit Card is having a record that I’ve not apid any overdue or any other charges. My bank balance is good. No cheque bouncing for last 12 months in my statement. Then does bank still can say “NO” if I apply for Housing loan whos EMI is just 50-60% of my total net take home income (present) which would increase every year with minimum 10% average rate? Even if my CIBIl crosses 800 then still banks would say “NO” to my loan request?