Eight ways to increase your CIBIL score (Tamil) | Credit score | Get a loan easily
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- Опубликовано: 7 сен 2024
- CIBIL is one of the four credit bureaus in India that generates reports based on your credit score. Your CIBIL score reflects your credit history. It is used by lending institutions to evaluate your creditworthiness before approving loans and other credit-based financial products. Most lenders have started classifying customers based on their credit score and are offering risk-based pricing on certain loans. The lower the risk, the lower the rate of interest and vice versa.
CIBIL scores range from 300 to a maximum of 900. A score between 300 to 549 is considered poor whereas 550 to 700 is considered as an average score. Being at the top of your credit score can help you get a loan easily, but the opposite is also true.
You can not change your credit score overnight, major and minor modifications in your financial habits can help in making a significant difference.
So, watch this video to know the eight ways to increase your CIBIL score.
For more understanding about CIBIL and its score, click the below link,
What is a CIBIL score? Is it necessary to take a loan? How it is been calculated?
• What is a CIBIL score?...
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Thanks for the video, will try to maintain score
All the best
I took home loan from Canfin home finance 3 months back with 8% ROI. They told due to less cibil score the ROI is high. Is it possible to reduce ROI now? Now my cibil score is 735
There is a practice in banks. They have charged the customers for rate reduction based on their request. But NBFCs mostly don't do this. Better give them a request to reduce the ROI.
Nice explion
Glad you liked it!
Excellent sir
So nice of you
Superb & Clear explaination. 👍 Good keep going. I need personal loan details videos pls
Thanks, I Will upload soon.
Super Explain..
Thank you 🙂
I have bad cibil score as I took loan to my father and did not repay and i ended up to do Settlement of the PL on my own. Now if I try apply loan for my own use.. I am unable to get any loan. How do i go forward in getting loan for self use.
Once you go one time settlement (OTS), your credit score will get affected to a worst level. It takes a long time ( may be, years) to get back.
If you are married, you can add your spouse as co-applicant of the loan. It will improve the chances of getting a loan.
But, anyway, you have to improve your individual credit score. To do this, get a credit card, use it for all purchases, pay the bills regularly. It'll improve your credit score.
Bro na 3 financial la loan vaanguna loan amount pay panniyachi but late payment pandhunala vandha fine amount pay panala so credit score less agituchi ippo Andha fine amount pay panniyachi but credit score la 2 account active la eruku adhunala na CreditMantri la subscription buy pana idhunala en activate la erukura load account close agi credit score adhigam aaguma plz reply bro
கேள்வியை தமிழிலோ (தமிழ் FONT) அல்லது ஆங்கிலத்திலோ சற்று தெளிவாக கேட்க முடியுமா?
சார் நான் கொரோனா முதல் ஊரடங்கில் பஜாஜ் emi ஒன்றை மட்டும் கட்ட தவறினேன் பிறகு வட்டியுடன் சென்று கட்டி விட்டேன் ஆனால் எதன் அடிப்படையில் என் cibil score கம்மியாக உள்ளது என தெரியவில்லை எனக்கு இப்போது sibil score 600 தான் இருக்கிறது இந்த sibil score ஐ உடனடியாக உயத்த முடியுமா என்ன வழி உள்ளது தெளிவான கூறுங்கள்
உடனடியாக உயர்த்த முடியாது. இந்த வீடியோவில் சிபில் ஸ்கோரை உயர்த்த செய்ய வேண்டிய வழிமுறைகள் அனைத்தையும் கூறியுள்ளேன். அவற்றை எந்த அளவுக்கு அதிகமாக கடைபிடிக்கிறீர்களோ அந்த அளவுக்கு விரைவாக சிபில் ஸ்கோர் உயரும்.
@@SMEDUTALK நன்றி சார்
I have 2 negative accounts and i clear 2 negative accounts cibil score will increse??
Can you name the type of account?
Sir na ella repayment proper ah than pay panen... But yem enudaya credit score reduce aatchinu therila.... 4online loan foreclosure panen cibil score reduce agiduchi.. epdi increase pandranga
இதை உள்ள வழிகளை முயல்வது நலம். பர்சனல் லோன் அல்லது நகை லோன் கிடைத்தால் அதை வாங்கி தொடர்ந்து கட்டி ஸ்கோரை உயர்த்தலாம்.
What if do not have creditcard. Will that affect the cibil score. If not how the bank will consider our credibility
Refer this link;
www.creditmantri.com/new-to-credit-no-credit-history/
Super
Thanks
If I have less credit score but due to the business purposes I need to use company credit card. If my company apply for me credit card for me. What will happen!
A lender can check both your credit rating as well as the business credit rating. You must satisfy all the eligibility criteria set by the lender and have a good credit score. Approving a business credit card is up to the lender’s discretion. Not everyone who applies will get one.
Sir naan loan edhuvum vangala enaku credit score katala
கிரெடிட் கார்டு அல்லது லோன் இருந்தால், வங்கிகளுக்கு உங்கள் REPAYMENT CAPACITY பற்றி எளிதாக தெரிந்து கொள்வார்கள். REPAYMENT CAPACITY இருந்தால் லோனும் உடனே கிடைத்து விடும். அவை இல்லாவிட்டால் உங்கள் PROFILEஐ (வேலை செய்யும் இடம், சம்பளம், கல்வித்தகுதி etc.) பொறுத்து லோன் கிடைக்கும்
Sir... I have been informed that due to write off educational loan ,Home loan could not be considered as per cibil report ...SBI manager has suggested me to close your loan and obtained NOC from bank...As suggested , I have paid balance amount 4000 and obtained NOC ..
How can I will update this noc details in cibil portal ... please suggest sir
To know the answer in detail, please watch this video (around 9 min)
What is a CIBIL score? (Tamil) Is it necessary to take a loan? How it is been calculated?
ruclips.net/video/4NhnqXp2Ibc/видео.html
My cibil score 690 vera entha lonum illa last emi next month 4 closed home kidaikuma sir
கேள்வி தெளிவாக இல்லை. நான் புரிந்து கொண்டவரை, உங்களுக்கு தற்போது இருக்கும் லோன் அடுத்த மாதம் முடிகிறது. வேறு லோன்கள் எதுவும் இல்லை. HOME LOAN கிடைக்குமா என்று கேட்டிருக்கிறீர்கள்.
CIBIL ஸ்கோர் சற்று குறைவாக உள்ளது. 750க்கு மேல் இருந்தால் லோன் கிடைப்பது சுலபமாக இருக்கும். லோன் கிடைப்பது CIBIL ஸ்கோரை மட்டும் பொறுத்தது அல்ல. மேலும் சில விஷயங்கள் உள்ளன. அவற்றைப் பற்றிய விரிவான விளக்கத்திற்கு இந்த வீடியோக்களை பாருங்கள்.
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Home loan apply pannum sir athukju cibil score enakkun 690 irukku
சரியான பதில் வரவில்லை
பதில் ஓகே ஆன 🤔
விரிவான விளக்கத்திற்கு நான் சொன்ன வீடியோக்களை பாருங்கள்.
Bank la ketta solution and help pannuvangala cibil score increase panrathuku
இந்த வீடியோவிலேயே அந்த வழிகளை சொல்லியிருக்கிறேனே!
Sir, How frequently the cibil score will be updated ??
Credit Institutions generally submit data to CIBIL within a span of 30-45 days and if you happen to purchase your CIBIL Report- within 45 days of your last payment of dues, it may not be updated.
Sir, credit vangama irukradhu nallatha, future la home loan ponana card illama irukradhu support pannuma?
வங்கிகள் கடனை திரும்பிச் செலுத்தும் திறன் கொண்டவர்களுக்கு கடன் அளிக்கத்தான் ஆர்வம் காட்டும்.
நீங்கள் ஒழுங்காக கடனை திருப்பிச் செலுத்துபவர் என்பதை எப்படி வங்கிக்கு தெரிவிப்பீர்கள்? ஏற்கனவே வாங்கிய லோனுக்கான EMIயோ, CREDIT CARD BILLஐயோ ஒழுங்காக கட்டிக்கொண்டிருப்பதை வைத்துதான் தெரிவிக்க முடியும். அதனால், CREDIT CARD வைத்திருந்து, அதன் BILLSஐ ஒழுங்காக கட்டிக்கொண்டிருப்பவர்களுக்கு லோன் கிடைக்க அதிக வாய்ப்புகள் உள்ளன.
@@SMEDUTALK emi kattitu tha iruka
Then, no issues. You'll get a home loan in the future, based on your eligibility.
To know more about eligibility, watch this video;
How much can I get as a home loan?(Tamil)| Tips to increase your home loan eligibility |SM Edutalk
ruclips.net/video/zglD0_HwYck/видео.html
@@SMEDUTALK thank u
Bro enaku cibil score kammmiya iruntha government job kidaakaatha
அதற்கும் இதற்கும் சம்பந்தமில்லை.
My score is 680 ipo fresh ah loan vaangi crct ah kattitutu vandha score increase aguma
Yes, go ahead.
namba Mobile number vara orutharukaga kudutha avanga loan vangi sari ah pay panala na yennoda cibil score down aaguma illa ah illa ah avanga cibil mattum tha down aagum ah
One person may have many mobile numbers. But, he must have only one PAN. So, multiple loan details are linked with PAN only. Don't worry about your credit score.
Bro onu tamil laa paysunga ilaa English laa paysunga yan mathi mathi paysuriga
Sir, each time cibil score check panna apram 10 points reduce aagum nu solranga sir. Entha website la check pannalam, regular aa check pannalum cibil score reduce aagatha maari erukura website sollunga sir
Wrong information.
If you are checking your credit score yourself, it's considered as a soft inquiry, and would not hurt your CIBIL score. Therefore, you can check your CIBIL score as many times and as frequently as you want.
@@SMEDUTALK Thank u very much Sir. Best and safe website or App ethachilum sollunga Sir CIBIL score paakurathu
@@SK-qc6nc www.cibil.com/
How to check your credit score over WhatsApp at free of cost? (Tamil) | SM EDUTALK #shorts
ruclips.net/user/shortsE1gO7NRHmw0
@@SMEDUTALK Thank you very much Sir
Bro how many times we can check our civil score
CIBIL will provide you one CIBIL Score and Report without any charge once a year. You can check any number of times after the free check by paying the fee.
@@SMEDUTALK Now I check my cibil score myself sir. Then I'm going to get home loan. Bank also will check my cibil score so will they charge for that.
@@SMEDUTALK Then once a year means jan to Dec isn't it
@@vpriyam3624 Probably, yes.
@@vpriyam3624 They are not collecting a separate fee for this. They do collect processing fee which includes everything.
I paid loan and closed still now show low cibil core, how to reduce
To know the answer in detail, please watch this video (around 9:00 min)
What is a CIBIL score? (Tamil) Is it necessary to take a loan? How it is been calculated?
ruclips.net/video/4NhnqXp2Ibc/видео.html
3:55 nalla kanakku podurapa nee.. balance ah expenses nu soldringa
Credit balance means your outstanding credit card balances. i.e. Credit balance என்பது credit card bill amountஐ குறிக்கும். அதாவது நீங்கள் செலவழித்த தொகையை குறிக்கும். CUR (Credit Utilization Ratio) என்பது கொடுத்துள்ள limitக்கு எத்தனை சதவீத பணம் உபயோகப்படுத்தியுள்ளார் என்பதை குறிக்கும்.
நீங்கள் கூறியுள்ளதுபோல் Credit balance என்பது credit cardல் செலவளிக்காத, மீதி தொகையாக இருந்தால் CURன் அர்த்தம் கொடுத்துள்ள limitக்கு எத்தனை சதவீத பணம் உபயோகப்படுத்தவில்லை என்பதாக தவறாக மாறி விடும்.
அதனால்தான், நான் BALANCE என்று சொல்லாமல் $1000 செலவளித்துள்ளார், $4000 செலவளித்துள்ளார், என்று கூறியிருப்பேன். என் கணக்கு சரிதான். மரியாதையை குறைக்கும் அளவுக்கு நான் எந்த தவறும் செய்யவில்லை.
சார் உங்கள் போன் நம்பர்
Sir, please contact at smedutalk@gmail.com
Super
Thanks