{"id":19710,"date":"2026-02-24T08:00:00","date_gmt":"2026-02-24T02:30:00","guid":{"rendered":"https:\/\/bigproperty.in\/blog\/?p=19710"},"modified":"2026-02-24T13:50:09","modified_gmt":"2026-02-24T08:20:09","slug":"why-home-loan-rejected-reasons-fixes","status":"publish","type":"post","link":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/","title":{"rendered":"Why Was Your Home Loan Rejected? 7 Common Reasons &amp; Fixes (2026 Guide)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_1_The_%E2%80%9CLow_CIBIL_Score%E2%80%9D_Trap\" >Reason 1: The &#8220;Low CIBIL Score&#8221; Trap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_2_The_%E2%80%9CUnapproved_Layout%E2%80%9D_Issue_Property_Rejection\" >Reason 2: The &#8220;Unapproved Layout&#8221; Issue (Property Rejection)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_3_%E2%80%9CFOIR%E2%80%9D_Fixed_Obligation_to_Income_Ratio\" >Reason 3: &#8220;FOIR&#8221; (Fixed Obligation to Income Ratio)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_4_The_%E2%80%9CLink_Document%E2%80%9D_Nightmare\" >Reason 4: The &#8220;Link Document&#8221; Nightmare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_5_Job_Stability_%E2%80%9CFrequent_Hopping%E2%80%9D\" >Reason 5: Job Stability &amp; &#8220;Frequent Hopping&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_6_Age_of_the_Applicant\" >Reason 6: Age of the Applicant<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Reason_7_The_%E2%80%9CGuarantor%E2%80%9D_Mistake\" >Reason 7: The &#8220;Guarantor&#8221; Mistake<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#FAQs\" >FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#Conclusion_Dont_Panic_just_Pivot\" >Conclusion: Don&#8217;t Panic, just Pivot.<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>You did everything right. You found the perfect plot in Shadnagar, paid the advance, and submitted your documents to the bank.<\/p>\n\n\n\n<p>Then came the shock: <strong>&#8220;Loan Application Rejected.&#8221;<\/strong><\/p>\n\n\n\n<p>A rejection letter from a bank (especially SBI or HDFC) can be devastating. Not only does it stop you from buying your dream property, but it also leaves a &#8220;Hard Inquiry&#8221; on your CIBIL report, dropping your score by 10-20 points instantly.<\/p>\n\n\n\n<p><strong>But here is the good news:<\/strong> A rejection is not the end. In 90% of cases, loans are rejected for minor technical reasons that can be fixed.<\/p>\n\n\n\n<p>In this detailed guide, we reveal the <strong>7 Most Common Reasons<\/strong> why home loans get rejected in Telangana in 2026\u2014and exactly how to fix them so you can re-apply and get approved next week.<br><br><strong>Must Read: <a href=\"https:\/\/bigproperty.in\/blog\/plot-loan-in-telangana\/\">Complete Guide to Plot Loans in Hyderabad: Interest Rates &amp; Banks List (2026)<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_1_The_%E2%80%9CLow_CIBIL_Score%E2%80%9D_Trap\"><\/span><strong>Reason 1: The &#8220;Low CIBIL Score&#8221; Trap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is the #1 reason for rejection. Most banks (SBI, HDFC, ICICI) require a CIBIL score of <strong>750+<\/strong> for the best interest rates.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>750 &#8211; 900:<\/strong> Excellent (Instant Approval).<\/li>\n\n\n\n<li><strong>650 &#8211; 749:<\/strong> Risky (High Interest Rate).<\/li>\n\n\n\n<li><strong>Below 650:<\/strong> Rejected.<\/li>\n<\/ul>\n\n\n\n<p><strong>The Hidden Trap:<\/strong> Even if your score is 780, you can still be rejected if you have a <strong>&#8220;Written Off&#8221;<\/strong> or <strong>&#8220;Settled&#8221;<\/strong> status on an old credit card from 5 years ago. Banks see &#8220;Settled&#8221; as &#8220;Did not pay full amount.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Download your full CIBIL report (not just the summary).<\/li>\n\n\n\n<li>Look for &#8220;DPD&#8221; (Days Past Due) in the last 24 months.<\/li>\n\n\n\n<li>If you have a &#8220;Settled&#8221; account, approach that bank, pay the remaining amount, and ask for a <strong>&#8220;No Dues Certificate&#8221; (NDC)<\/strong>. Then, raise a dispute with CIBIL to remove the &#8220;Settled&#8221; tag.<\/li>\n<\/ol>\n\n\n\n<div style=\"background-color: #ffffff; border-left: 5px solid #d8232a; padding: 15px 20px; margin: 25px 0; box-shadow: 0 4px 10px rgba(0,0,0,0.08); border-radius: 0 8px 8px 0;\">\n<p style=\"margin: 0; font-size: 12px; color: #777; text-transform: uppercase; font-weight: bold; letter-spacing: 1px;\">\n\ud83d\udccc Must Read\n<\/p>\n<a href=\"https:\/\/bigproperty.in\/blog\/the-7-steps-to-get-a-housing-loan\/\" style=\"color: #000; font-size: 18px; font-weight: 700; text-decoration: none; line-height: 1.4; display: block; margin-top: 5px;\">\nThe 7 Steps to Get a Housing Loan (Step-by-Step Guide) \u00bb\n<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_2_The_%E2%80%9CUnapproved_Layout%E2%80%9D_Issue_Property_Rejection\"><\/span><strong>Reason 2: The &#8220;Unapproved Layout&#8221; Issue (Property Rejection)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-1024x683.jpg\" alt=\"\" class=\"wp-image-19713\" srcset=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-1024x683.jpg 1024w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-300x200.jpg 300w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-768x512.jpg 768w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-1536x1024.jpg 1536w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-630x420.jpg 630w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-150x100.jpg 150w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-696x464.jpg 696w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742-1068x712.jpg 1068w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/pexels-rdne-8293742.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Sometimes, <em>you<\/em> are eligible, but the <em>property<\/em> is not. In Hyderabad, banks are extremely strict about <strong>Gram Panchayat (GP)<\/strong> layouts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Rule:<\/strong> If a layout does not have <strong>HMDA<\/strong> or <strong>DTCP<\/strong> technical approval, Nationalized Banks (SBI, Union Bank, Canara Bank) will reject it immediately.<\/li>\n\n\n\n<li><strong>The Confusion:<\/strong> Agents often say, &#8220;Sir, this is GP Approved, it is legal.&#8221; Yes, it is legal to <em>buy<\/em>, but it is illegal for a <em>bank to fund<\/em> without LRS.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Scenario A:<\/strong> If the layout has <strong>LRS Proceedings<\/strong>, apply to <strong>LIC Housing Finance<\/strong> (they fund LRS plots).<\/li>\n\n\n\n<li><strong>Scenario B:<\/strong> If there is no LRS, stop. Do not apply to any bank. You will only get rejected. Look for a different property.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_3_%E2%80%9CFOIR%E2%80%9D_Fixed_Obligation_to_Income_Ratio\"><\/span><strong>Reason 3: &#8220;FOIR&#8221; (Fixed Obligation to Income Ratio)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banks use a formula called <strong>FOIR<\/strong> to decide your loan amount.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Rule:<\/strong> Your Total Monthly EMIs (Car Loan + Personal Loan + New Home Loan) cannot exceed <strong>50%<\/strong> of your Net Monthly Salary.<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salary: \u20b91 Lakh\/month.<\/li>\n\n\n\n<li>Existing Car Loan EMI: \u20b920,000.<\/li>\n\n\n\n<li>Remaining Limit: \u20b930,000.<\/li>\n\n\n\n<li><strong>Result:<\/strong> You can only take a Home Loan with an EMI of \u20b930,000 (approx. \u20b935 Lakhs loan). If you applied for \u20b980 Lakhs, the bank will reject it.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Close Small Loans:<\/strong> Pay off your car loan or personal loan before applying. This frees up your FOIR limit.<\/li>\n\n\n\n<li><strong>Add a Co-Applicant:<\/strong> Add your spouse or working parent as a co-borrower. Their income will be added to yours, increasing the total eligibility.<\/li>\n<\/ol>\n\n\n\n<div style=\"background-color: #ffffff; border-left: 5px solid #d8232a; padding: 15px 20px; margin: 25px 0; box-shadow: 0 4px 10px rgba(0,0,0,0.08); border-radius: 0 8px 8px 0;\">\n<p style=\"margin: 0; font-size: 12px; color: #777; text-transform: uppercase; font-weight: bold; letter-spacing: 1px;\">\n\ud83d\udccc Related Article\n<\/p>\n<a href=\"https:\/\/bigproperty.in\/blog\/home-loan-from-a-bank-vs-housing-finance-company-which-is-best-option\/\" style=\"color: #000; font-size: 18px; font-weight: 700; text-decoration: none; line-height: 1.4; display: block; margin-top: 5px;\">\nBank vs. Housing Finance Company: Which gives higher loan amount? \u00bb\n<\/a>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_4_The_%E2%80%9CLink_Document%E2%80%9D_Nightmare\"><\/span><strong>Reason 4: The &#8220;Link Document&#8221; Nightmare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is the most frustrating reason because it is not your fault. When you apply for a loan, the bank\u2019s legal team verifies the property\u2019s history for the last <strong>13 to 30 years<\/strong>.<\/p>\n\n\n\n<p><strong>Why Rejection Happens:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Missing Link:<\/strong> If the property changed hands 4 times (A \u2192 B \u2192 C \u2192 You), but the sale deed from A to B (dated 1995) is missing, the bank will reject the file.<\/li>\n\n\n\n<li><strong>Name Mismatch:<\/strong> If the owner&#8217;s name is &#8220;Ramesh Kumar&#8221; in the sale deed but &#8220;Ramesh K.&#8221; in the revenue records (Pahani\/Adangal), the bank will pause the application until it is rectified.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Apply for Certified Copies (CC):<\/strong> Go to the <strong>MeeSeva<\/strong> portal or the local Sub-Registrar Office (SRO) and apply for the &#8220;Certified Copy&#8221; of the missing link document.<\/li>\n\n\n\n<li><strong>Rectification Deed:<\/strong> If there is a name error, ask the previous seller to sign a &#8220;Rectification Deed&#8221; to correct the spelling.<\/li>\n<\/ol>\n\n\n\n<div style=\"background-color: #ffffff; border-left: 5px solid #d8232a; padding: 15px 20px; margin: 25px 0; box-shadow: 0 4px 10px rgba(0,0,0,0.08); border-radius: 0 8px 8px 0;\">\n<p style=\"margin: 0; font-size: 12px; color: #777; text-transform: uppercase; font-weight: bold; letter-spacing: 1px;\">\n\ud83d\udccc Must Read\n<\/p>\n<a href=\"https:\/\/bigproperty.in\/blog\/securing-loans-for-unregistered-properties-what-we-can-do\/\" style=\"color: #000; font-size: 18px; font-weight: 700; text-decoration: none; line-height: 1.4; display: block; margin-top: 5px;\">\nSecuring Loans for Unregistered Properties: What We Can Do? \u00bb\n<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_5_Job_Stability_%E2%80%9CFrequent_Hopping%E2%80%9D\"><\/span><strong>Reason 5: Job Stability &amp; &#8220;Frequent Hopping&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited.jpg\" alt=\"Job Stability\" class=\"wp-image-19715\" srcset=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited.jpg 1280w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-300x169.jpg 300w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-1024x576.jpg 1024w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-768x432.jpg 768w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-747x420.jpg 747w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-150x84.jpg 150w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-696x392.jpg 696w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/geralt-application-1915348_1280-edited-1068x601.jpg 1068w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p>Banks love stability. If you change jobs too often, you are a &#8220;Risky Borrower.&#8221;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Rule:<\/strong> Most banks (especially SBI) require you to be in your current job for at least <strong>1 year<\/strong> or have a total continuous work experience of <strong>3 years<\/strong>.<\/li>\n\n\n\n<li><strong>The Red Flag:<\/strong> If you joined a new company just 2 months ago and apply for a loan today, the bank might reject it because you are still on &#8220;Probation Period.&#8221;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wait for Confirmation:<\/strong> Do not apply while you are on probation. Wait until you get your &#8220;Employment Confirmation Letter.&#8221;<\/li>\n\n\n\n<li><strong>Show Continuity:<\/strong> If you changed jobs for a better salary, show the bank your relieving letter from the previous company to prove there was no gap in employment.<\/li>\n<\/ul>\n\n\n\n<p><strong>Must Read<a href=\"https:\/\/bigproperty.in\/blog\/home-loan-for-gram-panchayat-layout\/\">: Can I Get a Home Loan for Gram Panchayat Layout? (Rules &amp; Risks)<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_6_Age_of_the_Applicant\"><\/span><strong>Reason 6: Age of the Applicant<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The tenure of your loan depends on your age.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retirement Age:<\/strong> Banks assume you will retire at 60 (for salaried) or 65 (for self-employed).<\/li>\n\n\n\n<li><strong>The Trap:<\/strong> If you are <strong>50 years old<\/strong> and apply for a <strong>20-year loan<\/strong>, the bank will reject the <em>tenure<\/em> (not the loan itself). They will force you to take a 10-year loan, which increases the monthly EMI drastically. If you cannot afford that high EMI, the entire loan is rejected.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Add a Younger Co-Borrower:<\/strong> Add your son or daughter (earning member) as a co-applicant. The bank will then consider <em>their<\/em> age to give you a longer tenure (up to 25-30 years).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reason_7_The_%E2%80%9CGuarantor%E2%80%9D_Mistake\"><\/span><strong>Reason 7: The &#8220;Guarantor&#8221; Mistake<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Did you sign as a guarantor for your friend&#8217;s education loan or your cousin&#8217;s car loan 5 years ago? If <em>they<\/em> defaulted on their EMI, <strong>YOU<\/strong> are also a defaulter in the eyes of the bank.<\/p>\n\n\n\n<p><strong>Why?<\/strong> Being a guarantor means you are legally responsible for repaying that loan if the primary borrower fails. This appears on <em>your<\/em> CIBIL report.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Fix It:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Check CIBIL:<\/strong> See if any unknown accounts are linked to your name as &#8220;Guarantor.&#8221;<\/li>\n\n\n\n<li><strong>Force Closure:<\/strong> Ask the primary borrower to close that loan or regularize the payments. You cannot get a new loan until that &#8220;Default&#8221; tag is removed from your report.<\/li>\n<\/ol>\n\n\n\n<div style=\"background-color: #ffffff; border-left: 5px solid #d8232a; padding: 15px 20px; margin: 25px 0; box-shadow: 0 4px 10px rgba(0,0,0,0.08); border-radius: 0 8px 8px 0;\">\n<p style=\"margin: 0; font-size: 12px; color: #777; text-transform: uppercase; font-weight: bold; letter-spacing: 1px;\">\n\ud83d\udccc Related Article\n<\/p>\n<a href=\"https:\/\/bigproperty.in\/blog\/here-the-master-guide-to-home-loan-foreclosure-process\/\" style=\"color: #000; font-size: 18px; font-weight: 700; text-decoration: none; line-height: 1.4; display: block; margin-top: 5px;\">\nMaster Guide to Home Loan Foreclosure Process \u00bb\n<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1771867227699\"><strong class=\"schema-faq-question\"><strong>1. Can I get a home loan with a CIBIL score of 650 in Hyderabad?<\/strong><\/strong> <p class=\"schema-faq-answer\">It is difficult to get a loan from top banks like <strong>SBI<\/strong> or <strong>HDFC<\/strong> with a score of 650. They typically require <strong>750+<\/strong>. However, NBFCs like <strong>Bajaj Housing Finance<\/strong> or <strong>Tata Capital<\/strong> may fund you but at a higher interest rate (9.50% &#8211; 10.50%). You should focus on improving your score for 6 months before applying to avoid high interest.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771867257963\"><strong class=\"schema-faq-question\"><strong>2. Does SBI refund the processing fee if my loan is rejected?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. The <strong>Processing Fee<\/strong> (usually \u20b92,000 to \u20b910,000) is collected to cover the cost of legal verification and valuation. Even if the lawyer gives a negative legal report and the loan is rejected, the bank <strong>will not refund<\/strong> this fee.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771867281414\"><strong class=\"schema-faq-question\"><strong>3. My loan was rejected because of a &#8220;Missing Link Document&#8221; from 1995. What should I do?<\/strong><\/strong> <p class=\"schema-faq-answer\">You need to apply for a <strong>Certified Copy (CC)<\/strong> of that specific sale deed from the local <strong>Sub-Registrar Office (SRO)<\/strong> or through the <strong>MeeSeva<\/strong> online portal. Once you get the official CC with the government stamp, submit it to the bank. Most banks accept a Certified Copy in place of a lost original document.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771867303846\"><strong class=\"schema-faq-question\"><strong>4. I just changed my job 2 months ago. Will my home loan be rejected?<\/strong><\/strong> <p class=\"schema-faq-answer\">Likely, yes. Banks require &#8220;Job Stability.&#8221; If you are still on <strong>Probation<\/strong>, banks consider you a high-risk applicant. It is best to wait until you receive your <strong>Confirmation Letter<\/strong> or complete at least 6 months in the new company before applying.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771867326156\"><strong class=\"schema-faq-question\"><strong>5. I am a guarantor for my friend&#8217;s loan, and he defaulted. Why is my loan rejected?<\/strong><\/strong> <p class=\"schema-faq-answer\">When you sign as a <strong>Guarantor<\/strong>, you are legally equal to the borrower. If they miss an EMI, it appears on <strong>your<\/strong> CIBIL report as a default. To fix this, you must force the primary borrower to clear the dues or close that loan. Until then, your CIBIL will show &#8220;Non-Performing Asset&#8221; (NPA), and no bank will give you a new loan.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_Dont_Panic_just_Pivot\"><\/span><strong>Conclusion: Don&#8217;t Panic, just Pivot.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A rejection letter is just a pause button, not a stop button.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If <strong>SBI<\/strong> rejects you for a &#8220;Small Property Issue,&#8221; move to <strong>HDFC<\/strong>.<\/li>\n\n\n\n<li>If <strong>HDFC<\/strong> rejects you for &#8220;Credit Score,&#8221; move to an <strong>NBFC<\/strong> (Bajaj\/Tata).<\/li>\n\n\n\n<li>If everyone rejects you, fix your CIBIL score for 6 months and try again.<\/li>\n<\/ul>\n\n\n\n<p><strong>Has your loan ever been rejected? What reason did the bank give? Share your experience in the comments below!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/play.google.com\/store\/apps\/details?id=bigproperty.in&amp;pcampaignid=web_share\">Download App<\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You did everything right. You found the perfect plot in Shadnagar, paid the advance, and submitted your documents to the bank. Then came the shock: &#8220;Loan Application Rejected.&#8221; A rejection letter from a bank (especially SBI or HDFC) can be devastating. Not only does it stop you from buying your dream property, but it also [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19716,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7994,7995,11683],"tags":[11734,11739,11736,11733,11735,11738,11737],"class_list":{"0":"post-19710","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance-legal","8":"category-home-loan","9":"category-plot-loan","10":"tag-cibil-score-for-home-loan-2026","11":"tag-fix-loan-rejection","12":"tag-foir-calculation","13":"tag-home-loan-rejection-reasons","14":"tag-loan-rejected-due-to-property","15":"tag-low-cibil-loan-approval","16":"tag-sbi-home-loan-eligibility"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Was Your Home Loan Rejected? 7 Common Reasons &amp; Fixes<\/title>\n<meta name=\"description\" content=\"Loan rejected by SBI or HDFC? Check the 7 most common reasons for home loan rejection in India (2026). Learn how to fix low CIBIL, property issues,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Was Your Home Loan Rejected? 7 Common Reasons &amp; Fixes\" \/>\n<meta property=\"og:description\" content=\"Loan rejected by SBI or HDFC? Check the 7 most common reasons for home loan rejection in India (2026). Learn how to fix low CIBIL, property issues,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/\" \/>\n<meta property=\"og:site_name\" content=\"indias Real estate latest News Updates\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bigpropertyofficial\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-24T02:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T08:20:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Home-loan-rejection-reasons.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"559\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"satyasri\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/\"},\"author\":{\"name\":\"satyasri\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#\\\/schema\\\/person\\\/053c61b92d6df33b2c81078e0921bfa6\"},\"headline\":\"Why Was Your Home Loan Rejected? 7 Common Reasons &amp; Fixes (2026 Guide)\",\"datePublished\":\"2026-02-24T02:30:00+00:00\",\"dateModified\":\"2026-02-24T08:20:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/\"},\"wordCount\":1492,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Home-loan-rejection-reasons.jpg\",\"keywords\":[\"CIBIL score for home loan 2026\",\"fix loan rejection\",\"FOIR calculation\",\"Home loan rejection reasons\",\"loan rejected due to property\",\"low CIBIL loan approval\",\"SBI home loan eligibility\"],\"articleSection\":[\"FINANCE &amp; LEGAL\",\"Home Loan\",\"Plot Loan\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/\",\"name\":\"Why Was Your Home Loan Rejected? 7 Common Reasons & Fixes\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Home-loan-rejection-reasons.jpg\",\"datePublished\":\"2026-02-24T02:30:00+00:00\",\"dateModified\":\"2026-02-24T08:20:09+00:00\",\"description\":\"Loan rejected by SBI or HDFC? 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Can I get a home loan with a CIBIL score of 650 in Hyderabad?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is difficult to get a loan from top banks like <strong>SBI<\\\/strong> or <strong>HDFC<\\\/strong> with a score of 650. They typically require <strong>750+<\\\/strong>. However, NBFCs like <strong>Bajaj Housing Finance<\\\/strong> or <strong>Tata Capital<\\\/strong> may fund you but at a higher interest rate (9.50% - 10.50%). You should focus on improving your score for 6 months before applying to avoid high interest.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#faq-question-1771867257963\",\"position\":2,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#faq-question-1771867257963\",\"name\":\"2. 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Banks require \\\"Job Stability.\\\" If you are still on <strong>Probation<\\\/strong>, banks consider you a high-risk applicant. It is best to wait until you receive your <strong>Confirmation Letter<\\\/strong> or complete at least 6 months in the new company before applying.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#faq-question-1771867326156\",\"position\":5,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/why-home-loan-rejected-reasons-fixes\\\/#faq-question-1771867326156\",\"name\":\"5. I am a guarantor for my friend's loan, and he defaulted. Why is my loan rejected?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When you sign as a <strong>Guarantor<\\\/strong>, you are legally equal to the borrower. If they miss an EMI, it appears on <strong>your<\\\/strong> CIBIL report as a default. To fix this, you must force the primary borrower to clear the dues or close that loan. Until then, your CIBIL will show \\\"Non-Performing Asset\\\" (NPA), and no bank will give you a new loan.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why Was Your Home Loan Rejected? 7 Common Reasons & Fixes","description":"Loan rejected by SBI or HDFC? Check the 7 most common reasons for home loan rejection in India (2026). Learn how to fix low CIBIL, property issues,","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/","og_locale":"en_US","og_type":"article","og_title":"Why Was Your Home Loan Rejected? 7 Common Reasons & Fixes","og_description":"Loan rejected by SBI or HDFC? 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Learn how to fix low CIBIL, property issues,","og_url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/","og_site_name":"indias Real estate latest News Updates","article_publisher":"https:\/\/www.facebook.com\/bigpropertyofficial\/","article_published_time":"2026-02-24T02:30:00+00:00","article_modified_time":"2026-02-24T08:20:09+00:00","og_image":[{"width":1024,"height":559,"url":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Home-loan-rejection-reasons.jpg","type":"image\/jpeg"}],"author":"satyasri","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#article","isPartOf":{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/"},"author":{"name":"satyasri","@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/person\/053c61b92d6df33b2c81078e0921bfa6"},"headline":"Why Was Your Home Loan Rejected? 7 Common Reasons &amp; Fixes (2026 Guide)","datePublished":"2026-02-24T02:30:00+00:00","dateModified":"2026-02-24T08:20:09+00:00","mainEntityOfPage":{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/"},"wordCount":1492,"commentCount":0,"publisher":{"@id":"https:\/\/bigproperty.in\/blog\/#organization"},"image":{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#primaryimage"},"thumbnailUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Home-loan-rejection-reasons.jpg","keywords":["CIBIL score for home loan 2026","fix loan rejection","FOIR calculation","Home loan rejection reasons","loan rejected due to property","low CIBIL loan approval","SBI home loan eligibility"],"articleSection":["FINANCE &amp; LEGAL","Home Loan","Plot Loan"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#respond"]}]},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/","url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/","name":"Why Was Your Home Loan Rejected? 7 Common Reasons & Fixes","isPartOf":{"@id":"https:\/\/bigproperty.in\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#primaryimage"},"image":{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#primaryimage"},"thumbnailUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Home-loan-rejection-reasons.jpg","datePublished":"2026-02-24T02:30:00+00:00","dateModified":"2026-02-24T08:20:09+00:00","description":"Loan rejected by SBI or HDFC? Check the 7 most common reasons for home loan rejection in India (2026). Learn how to fix low CIBIL, property issues,","breadcrumb":{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867227699"},{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867257963"},{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867281414"},{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867303846"},{"@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867326156"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#primaryimage","url":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Home-loan-rejection-reasons.jpg","contentUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Home-loan-rejection-reasons.jpg","width":1024,"height":559,"caption":"Home loan rejection reasons"},{"@type":"BreadcrumbList","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bigproperty.in\/blog\/"},{"@type":"ListItem","position":2,"name":"Why Was Your Home Loan Rejected? 7 Common Reasons &amp; Fixes (2026 Guide)"}]},{"@type":"WebSite","@id":"https:\/\/bigproperty.in\/blog\/#website","url":"https:\/\/bigproperty.in\/blog\/","name":"India's Real Estate Property Site Buy Sell rent properties portal","description":"real estate news updates property portal","publisher":{"@id":"https:\/\/bigproperty.in\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bigproperty.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/bigproperty.in\/blog\/#organization","name":"BIG PROPERTY","url":"https:\/\/bigproperty.in\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2020\/10\/BIG-PROPERTY-designed-by-sbvrgroups.in-fotter.png","contentUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2020\/10\/BIG-PROPERTY-designed-by-sbvrgroups.in-fotter.png","width":138,"height":50,"caption":"BIG PROPERTY"},"image":{"@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/bigpropertyofficial\/"]},{"@type":"Person","@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/person\/053c61b92d6df33b2c81078e0921bfa6","name":"satyasri","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bigproperty.in\/blog\/wp-content\/litespeed\/avatar\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003","url":"https:\/\/bigproperty.in\/blog\/wp-content\/litespeed\/avatar\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003","contentUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/litespeed\/avatar\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003","caption":"satyasri"},"url":"https:\/\/bigproperty.in\/blog\/author\/satyasri\/"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867227699","position":1,"url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867227699","name":"1. Can I get a home loan with a CIBIL score of 650 in Hyderabad?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It is difficult to get a loan from top banks like <strong>SBI<\/strong> or <strong>HDFC<\/strong> with a score of 650. They typically require <strong>750+<\/strong>. However, NBFCs like <strong>Bajaj Housing Finance<\/strong> or <strong>Tata Capital<\/strong> may fund you but at a higher interest rate (9.50% - 10.50%). You should focus on improving your score for 6 months before applying to avoid high interest.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867257963","position":2,"url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867257963","name":"2. Does SBI refund the processing fee if my loan is rejected?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. The <strong>Processing Fee<\/strong> (usually \u20b92,000 to \u20b910,000) is collected to cover the cost of legal verification and valuation. Even if the lawyer gives a negative legal report and the loan is rejected, the bank <strong>will not refund<\/strong> this fee.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867281414","position":3,"url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867281414","name":"3. My loan was rejected because of a \"Missing Link Document\" from 1995. What should I do?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You need to apply for a <strong>Certified Copy (CC)<\/strong> of that specific sale deed from the local <strong>Sub-Registrar Office (SRO)<\/strong> or through the <strong>MeeSeva<\/strong> online portal. Once you get the official CC with the government stamp, submit it to the bank. Most banks accept a Certified Copy in place of a lost original document.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867303846","position":4,"url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867303846","name":"4. I just changed my job 2 months ago. Will my home loan be rejected?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Likely, yes. Banks require \"Job Stability.\" If you are still on <strong>Probation<\/strong>, banks consider you a high-risk applicant. It is best to wait until you receive your <strong>Confirmation Letter<\/strong> or complete at least 6 months in the new company before applying.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867326156","position":5,"url":"https:\/\/bigproperty.in\/blog\/why-home-loan-rejected-reasons-fixes\/#faq-question-1771867326156","name":"5. I am a guarantor for my friend's loan, and he defaulted. Why is my loan rejected?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"When you sign as a <strong>Guarantor<\/strong>, you are legally equal to the borrower. If they miss an EMI, it appears on <strong>your<\/strong> CIBIL report as a default. To fix this, you must force the primary borrower to clear the dues or close that loan. Until then, your CIBIL will show \"Non-Performing Asset\" (NPA), and no bank will give you a new loan.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts\/19710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/comments?post=19710"}],"version-history":[{"count":6,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts\/19710\/revisions"}],"predecessor-version":[{"id":19740,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts\/19710\/revisions\/19740"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/media\/19716"}],"wp:attachment":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/media?parent=19710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/categories?post=19710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/tags?post=19710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}