'We arrange home loans and mortgage loans for customers who have a CIBIL problem. Even individuals with poor CIBIL reports—such as those who have credit card settlements, car loan settlements, or personal loan settlements—can still get home and mortgage loans. However, the interest rate will be slightly higher. For example, the home loan interest rate is 13.5%, while the mortgage loan interest rate is 14%. Additionally, a guarantee will need to be arranged by the customer. Subject to conditions.