How do lenders typically prioritize credit history for a home loan application when the applicant has a high Credit Information Bureau India (CIBIL) score but the loan is rejected?

A high CIBIL score may indicate financial stability, but lenders are more likely to reject an application if they suspect that repayment capacity will be insufficient or that existing EMIs may be unsustainable.

• Option 1: CIBIL scores are not the sole determining factor in loan approval.
• Option 2: Property value is also an important consideration for lenders.