Home Loan Readiness Checklist: Financial Steps Before You Apply

General information only; not financial or tax advice. Laws and lender policies change—verify specifics before acting.

A cleaner profile can fetch better rates and faster approvals.

Prepare your finances and documents before a home loan application to improve approval chances and secure favourable terms.

Strengthen score, consolidate high‑cost debt, and build a realistic budget for EMIs and maintenance.

• Check credit report; fix errors months in advance.
• Budget for ancillary costs: stamp duty, registration, furnishings.
• Keep bank statements clean—avoid frequent cash deposits/withdrawals.