Home Loan For CIBIL Score of 750

With a CIBIL score of 750, you possess the key that unlocks prime home loans. This excellent credit score can greatly benefit your home loan terms. Firstly, it is likely that you will qualify for the lowest interest rates available. Additionally, a credit score of 750 often leads to a smoother and faster loan approval process. Lenders are more inclined to expedite applications with less risk, resulting in fewer obstacles and less scrutiny during loan processing. Furthermore, a high credit score may provide you with more bargaining power. This could result in more favourable loan terms, such as a higher loan amount, lower fees, or greater flexibility in loan structuring.

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Written By
Utsah Sharma
Utsah Sharma
Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.
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Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 5th August 2025

Benefits of a 750 CIBIL Score in Terms of Home Loan

Having a 750 CIBIL score brings significant benefits when it comes to securing a home loan, majorly because of the positive impression it creates with lenders:

  • VIP Interest Rates: One of the key benefits of a 750 credit score is the ability to get the best interest rates. Lenders give lower interest rates to consumers with excellent credit scores since they are considered low-risk.
  • Higher Approval Odds: A high credit score like 750 increases your chances of loan approval. Lenders see such scores as evidence of financial responsibility and a strong repayment history, making them more confident in your ability to repay the loan.
  • Faster Loan Processing: Applications from customers with good credit scores are frequently processed more quickly. Since good credit scores often signal lesser risk, lenders can speed up approval and processing, allowing for a smoother and faster home-buying experience.
  • Pre-Approval: A credit score of 750 may qualify you for pre-approvals, which can simplify and expedite the home-buying process.
  • Special Offers and Incentives: Lenders sometimes provide special offers, such as reduced processing fees or other incentives, to attract borrowers with high credit scores.

Best Home Loans With a 750 CIBIL Score

Individuals in India with a credit score of 750 have the advantage of accessing the best home loan choices. This credit score is regarded as exceptional and serves as evidence of a trustworthy borrower. Below is an outline of the leading home loan options accessible to those with a credit score of 750.

SBI Home Loan

SBI Home Loans holds the title of being the biggest Mortgage Provider in the nation. SBI presents home loans with appealing interest rates that commence at 8.50% per year for individuals with a fixed income and range from 9.25% to 10.45% for self-employed individuals. The maximum duration for loan repayment stands at 30 years.

ICICI Bank Home Loan

Homebuyers who meet the requirements can access home loans that offer appealing interest rates on both floating and fixed-rate loans. They can also benefit from lower monthly payments and no penalties for early repayment on floating loan rates. ICICI Bank provides home loans with a competitive interest rate of 8.75%* per annum. (Please note that the 8.75%* interest rate applies only to customers with pre-approved offers.)

PNB Housing Finance

PNB Housing provides home loans at interest rates that vary from 9.25% to 9.75% for individuals who receive a salary, and from 9.8% to 10.3% for individuals who do not receive a salary. These rates apply to customers with a credit score between 750 and 775. PNB Housing also offers housing loans for 30 years, available until the borrower reaches the age of 70.

HDFC Home Loan

HDFC Bank provides the opportunity for individuals to secure a home loan at a competitive interest rate of 8.50% p.a. This favourable rate applies to Home Loans, Balance Transfer Loans, House Renovation, and Home extension loans, as long as the borrower’s CIBIL score is 750 or higher. The specific interest rates offered may differ depending on the borrower’s credit score and profession.

What Does a 750 CIBIL Score Get You? 

A CIBIL score of 750 is regarded as outstanding and can open the door to various financial benefits and opportunities:

  • Home Loans: A 750 credit score can greatly benefit you when it comes to home loans. Lenders see you as a reliable borrower, resulting in lower interest rates. This can save you a significant amount of money throughout the loan. Additionally, you will have more choices and better terms available to you.
  • Credit Card Benefits: With this score, you are likely to be approved for credit cards with better rewards, lower interest rates, and higher credit limits. You might also qualify for cards offering lucrative sign-up bonuses and other perks.
  • Insurance Premiums: Some insurance companies use credit scores to determine premiums. A higher score like 750 can lead to lower premiums, especially for auto and home insurance.
  • Small Business Loans: If you are looking for some financing for your business, a 750 credit score can help secure loans with favourable terms and lower interest rates.

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