850 vs 650 CIBIL: ₹17.18L Ka Farq! (₹50L Home Loan, 20Y) #oolka #creditworthy #homeloan

Same loan, same tenure—par rate alag = cost alag.
Example: ₹50,00,000 • 20 years

Chintu (CIBIL ~850) @ 8.3% → EMI ~₹42,760

Mintu (CIBIL ~650) @ 10.5% → EMI ~₹49,919
➜ Difference ₹7,159/month** → **₹17.18 lakh extra over 240 months (rounded).

Why it happens: Higher score = better risk profile = lower interest rate = lower lifetime cost.

Quick ways to boost score:
• EMIs/credit card bills on time (autopay ON)
• Credit utilization less than 30%
• Old accounts ko mat close karo (credit age)
• Multiple hard inquiries avoid karo
• Report errors dispute karo (CIBIL)

Apna score + current rate comments me likho—hum savings ka quick math bata denge.
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Видео 850 vs 650 CIBIL: ₹17.18L Ka Farq! (₹50L Home Loan, 20Y) #oolka #creditworthy #homeloan канала Oolka - AI Credit Score LevelUp