Credit/CIBIL History for Mortgage loan , home loan , loan against property If you have good credit/CIBIL record then banks will definitely award you with a better rate of interest. This means that if you have taken a loan previously and managed to pay it off without defaulting then you will have a high credit/CIBIL score. Apart from the loan the banks also take into account payment of your credit card bill record. home loans , mortgage loan , loan against property , housing loan , home construction loan , flat purchase loans , mortgage loan process , house for sale