Good Credit Score, Rejected Home Loan? Here's Why Banks Say No!

• A high credit score is just a starting point; banks use it as a filter, not a final decision.
• Lenders prioritize cash flow stability, assessing if your income and existing obligations support new EMIs.
• Income mismatch is a common reason: your desired loan amount might exceed your affordability, even with a good score.
• Unstable or hard-to-prove income (for self-employed, freelancers) can lead to rejection due to lack of visibility.
• Property-related issues like legal problems, unclear ownership, or missing approvals can also sink a loan application.

Why It Matters: A good credit score is an entry ticket, not a guarantee; banks assess your full financial picture.