very good question. :)Right now i can think of 3 techniques.1. Offering home loan schemes at less i

very good question. Right now i can think of 3 techniques.1. Offering home loan schemes at less interest rate to the female prospects, coz generally if the female is the buyer of the home loan in a family that family most probably has two income sources. If not in all cases but most cases. so in that case the EMI amount is easy on the family's monthly budget so the chances of default are very minimal.2. Rewarding borrower for early payment of EMIs. Banks levy penalty if you miss the EMI deadline so in case of an early payment banks can give you rewards like some bonus points to ur CIBIL score or something that pleases the customer. This technique is still not implemented though.3. Deciding on the LOAN amount and interest rate on the basis of CIBIL scores. The interest rates are always the ssame even if the person has a good CIBIL score and has previously bought loans and paid them promptly. so the variation in interest rates with more amount sanctions will come in handy for the Banks.

 

Nice.1. As you said generally female has two sources of income...Well..Even if she has two sources or many sources loans eligibility is calculated on basis of income proof..Be it salaried or business..So if she has 4 or 5 sources that has to reflect on ITR and a proof of that income should be der and that amount should credit in a bank Account. Only den it's considered for calculating home loan or any loan eligibility.2.there is no bonus points given by banks for cibil. Cibil is maintained and is well maintained if the individual makes regular payments of principle and interest, ie is paid regularly. Yes if u make overpayment that does reflect on your statement and that helps the bank to take a decision if he or she is a good customer or not.3. The amount of loan is always decided on basis of customers repayment capacity. If he can good. Cibil is not the sole source. It does helps u know if in the past customer had intention of paying EMI. It never talks about future.4. In your first point you said " women income source are more or two" well.. in last few months since the scheme has come women is the first applicant in the loan but she is not payer. For income husband is taken as co-applicant or anyone as mentioned in Circular. It's a just move to lure customers.secondly it does helps women socially as name of the women shud be der in the property agreement as well.

 

If having good cibil you can be refinanced by banks