High approval chances, though interest rates may be 0.5%–1.0% higher than the top tier.
Acceptable but less desirable.
For homebuyers in early 2026, an , which typically unlocks the most competitive interest rates and smoothest approval processes. While a score of 650 is generally the minimum threshold for most major lenders, borrowers with scores in the 650–699 range may face stricter scrutiny, higher interest rates, and lower loan-to-value (LTV) limits. Credit Score Ranges & Impact (2026) average credit score buy house
Lenders use your credit score (often a CIBIL score in India or FICO in other regions) to categorize risk and determine your borrowing costs: Considered the "ideal" zone. High approval chances, though interest rates may be 0