# Co-applicant’s low credit score can hurt joint home loan approval 2026-08-10T04:57:03+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Applying for a home loan with a co-applicant can boost borrowing eligibility by combining incomes, but lenders assess the credit profiles of all applicants. A co-applicant with a weak credit history, low score or irregular repayments can affect the entire application, even if the primary borrower has a strong profile. Business Today reports that the credit profile accounts for roughly one-third of the lender's evaluation. Lenders also examine the Fixed Obligation to Income Ratio (FOIR), preferring it below 40-50%. Clearing outstanding dues, avoiding new loans before applying and maintaining timely repayments can improve a joint application's prospects. The financial record of every co-applicant matters for approval, loan amount and terms. ## Coverage - businesstoday.in Tags: Cibil score, credit score, home loans, joint application, lender assessment Canonical: https://indianopinion.org/co-applicants-low-credit-score-can-hurt-joint-home-loan-approval/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/co-applicants-low-credit-score-can-hurt-joint-home-loan-approval/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.