Whether you have a CIBIL problem, even credit card settlement, if is any Loan settlement in one year back date, you can get a home loan, Subject to Conditions: The first condition is, your business should be running. second condition is, home loan amount will come up to fifty lakhs, it gets 70% eligibility in house value. third condition is, home loan tenure only 15 years. Home loan Required documents: - Two Years' IT Returns, one year Bank statement and MSME Certificate.