Getting home loan is not that easy if the cibil is poor. Banks always check cibil once this is through , next it comes to income background. If the income proof is from salaried then there will be no issues. They are eligible to take home loan. People who are filing IT returns the best part is they need to worry only for we get more loan amount or less.
If the person has not done any IT returns and struggling to take home loans they can also able to get the loan by his banking transaction. If the banking transaction is good we have process called banking surrogate program in which most of the eligibility can be taken. This one can be done only when IT returns not available or salary not credited.
Earlier it was few banks which were doing this program but now all most all the banks are ready to do this. It made business people to get loans.
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