pillar 01
bureau score
the gate
your CIBIL score is the first filter. below 750, doors start closing.
every application leaves a mark
750+ gets better rates, not just a yes
pillar 02
property value
their number, not yours
banks lend on their valuation — not your deal price.
registration, builder charges, taxes — your cash
buying from a builder? values usually match
pillar 03
repayment capacity
what you can carry
what you earn, minus what you owe. family income counts in full.
running emis shrink your loan
your age sets your tenure — and your amount