home loan for cibil defaulters in Hyderabad. How to Get a Home Loan with Bad Credit? If you have a bad credit score, the first thing you need to do is try to pay off your debts so that your credit score will be improved in the long run. If your husband/wife has a good credit score, you can apply for a home loan jointly with them as it will increase the chances of getting the loan approved. If you have defaulted on a loan or credit card, reach a settlement with the bank or financial institution and pay off the settlement amount and obtain a No Objection Certificate (NOC). When you have obtained the NOC, it will be easier for you to apply for a home loan. Besides, make sure to check your CIBIL score to ensure that there are no discrepancies and that it correctly reflects your up-to-date credit history home loan flat loan , mortgage loan housing loan, loan against property , building construction loan , mortgage loan process