Home improvement loans are not easy to get. One should fulfil the criteria and also should have all the documents necessary for the home loan. The specific rule says that people who own a pucca house. Another condition is that the family should not have availed central assistance under any housing scheme from the Government of India. One cannot take double the benefits of any scheme regarding a home improvement loan. For verification, one needs to provide an Adhaar Card number while applying for a loan. Other than that the beneficiary should have a good Cibil score.

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