Socha tha home loan easy milega, par bank ne reject kar diya? CIBIL score strong bhi hai, income proof bhi clear hai, fir bhi rejection ka reason kya hai?

Aaj hum discuss karenge 7 hidden reasons jo CIBIL me show nahi hote, par bank ke system me aapko reject karwa dete hain.

1. Salary Account Pattern – Bank Observe Karti Hai

Bank sirf salary amount check nahi karti. Wo aapke account ke inflow-outflow pattern ko bhi dekhti hai.

Frequent overdraft, bounced cheques, irregular deposits – ye red flag bank ke liye hai, aur CIBIL report me show nahi hota.

2. Multiple Enquiries – Over Application

Agar aap ne 3-4 banks me ek saath apply kiya, to system me multiple hard enquiries dikhti hain.

Bank consider karti hai risk zyada hai aur loan reject kar deti hai. CIBIL score perfect hone ke bawajood, ye hidden reason hai.

3. Previous Settlements / Written Off Loans

Settlement ya write-off history CIBIL me minor impact dikhati hai, par bank ke internal system me high-risk category me aap aa jate ho.

Even agar 2-3 saal ho gaye ho, bank cautious ho jaati hai.

4. Property Documentation Issue

Loan ke liye jo property choose ki, uski legal check aur verification mandatory hai. Incomplete papers, disputed land, mutation issue – ye sab reason hai bank reject karne ka.

CIBIL score clean ho sakta hai, par property issue ke karan loan reject.

5. Age & Employment Pattern

Young ya unstable employment bhi risk factor hai. Bank consider karti hai tenure ke end tak EMI pay kar paoge ya nahi. Contract job ya probation period bhi negative impact daal sakta hai.

6. Co-Applicant / Guarantor Issues

Kabhi kabhi loan reject hota hai because co-applicant ya guarantor ka profile weak hota hai. Unstable income, negative history, ya documents incomplete – ye sab CIBIL report me nahi dikhte, par bank ko problem lagta hai.

7. Bank Internal Risk Policy

Har bank ke apne internal scoring model hota hai. Income, expense, liabilities, branch risk profile, branch manager discretion – ye sab factors loan approval me impact dalte hain.

CIBIL me perfect score ke bawajood, internal risk model reject kar sakta hai.

Real Life Example

Ramesh ka CIBIL 760, income stable, salary account perfect. Home loan apply kiya 50 lakh ka. Bank ne reject kar diya.

Reason – property ke mutation papers incomplete aur branch internal risk score low. Ramesh confuse tha, kyunki CIBIL report perfect thi.

Tips To Avoid Hidden Rejection

• Salary account ka inflow-outflow pattern clean rakho.
• Multiple bank applications ek saath mat bhejo.
• Previous settlement ya write-off clear karo aur documentation ready rakho.
• Property papers complete aur verified rakho.
• Employment aur income documents proper rakho.
• Co-applicant/guarantor profile strong rakho.
• Branch ke internal rules aur risk factor ke bare me discussion kar lo.

Conclusion

Home loan reject hone ka reason hamesha CIBIL score nahi hota. Bank ke internal risk, property, employment pattern aur co-applicant factors ka impact hota hai.

Hidden reasons samajh kar apply karo, aur documentation perfect rakho, to approval chance kaafi high ho jaata hai.