In Hyderabad, you can get a mortgage loan of up to Rs. 50 lakhs on an open plot. Even if you don't have ITRS or CIBIL, you can get a plot loan of up to 50% of the plot value. You must have a business and a source of income. Your property, be it a plot, house or flat, must be legally sound. You can get a mortgage loan even if you have a CIBIL issue. Even if you don't have an income tax return, you can get a home loan of up to Rs. 50 lakhs