Loan reject hone ke baad sabse badi galti hoti hai turant dusre bank me apply karna। इससे CIBIL aur gir jata hai। अगर आप सही strategy follow करें, तो अगली application approve हो सकती है।
Step 1: Turant Re-Apply Na Kare
Kam se kam 30–45 din ka gap rakhein। Multiple enquiries सबसे बड़ा नुकसान करती हैं।
Step 2: Credit Card Balance Kam Kare
Outstanding ko 40% se niche lao। Ye fastest improvement signal hai।
Step 3: Co-Applicant Add Kare
Spouse ya family member ko co-applicant banane se approval chance badhta hai।
Step 4: NBFC ya Salary Account Bank Try Kare
Government banks low CIBIL par strict hote hain। NBFCs flexible hote hain (interest thoda zyada)।
Step 5: CIBIL Report Error Check Kare
Kai baar galat overdue entries hoti hain। Dispute raise karke score improve hota hai।
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