How can we help?
Search the knowledge base, or reach your relationship manager directly.
Getting started
How does HousingMint match me with lenders?
HousingMint AI Recommendations — our HousingScore engine — reads your income, CIBIL band, property and loan purpose, then ranks every bank and NBFC on the panel by real approval odds, not just the lowest advertised rate.
Is HousingMint a lender?
No. We're a discovery and advisory platform. The loan is sanctioned and disbursed by the bank or NBFC you choose — we help you find the right one and manage the process.
Does checking my eligibility affect my credit score?
No. The initial match is based on the numbers you share with us — nothing is pulled from the bureau until you choose a lender and formally apply.
What's the difference between a soft and hard credit enquiry?
A soft enquiry (used for your initial match) doesn't affect your score and isn't visible to other lenders. A hard enquiry happens only once you formally apply with a chosen lender.
Can I use HousingMint if I already have an offer from a bank?
Yes — share the offer with your RM and we'll check whether another lender on our panel can beat it on rate, fees or turnaround.
Using the apply tool
Why do some lenders show as 'Not a match yet'?
A lender can be excluded for a hard reason — CIBIL below their floor, income below minimum, age at maturity, or loan-to-value. The card lists the exact reasons so you know what to fix.
Can I compare more than one lender side by side?
Yes — add up to three lenders to compare using the checkbox on each result card, then open the compare tray at the bottom of the screen.
What does the HousingScore percentage mean?
It's a weighted score out of 100 — 40% rate fit, 30% approval odds, 20% typical turnaround and 10% profile fit — so you can compare lenders on more than just headline rate.
Why did my matches change when I edited my profile?
Matches only update when you press "Show my matches" again — editing a field alone never silently changes your results.
Can I change the loan purpose after I've seen my matches?
Yes — reopen your profile, change the purpose or any other field, and press the button again to refresh your matches.
Relationship manager & documents
How fast is my RM assigned?
Within the same working day of your request. Your RM owns your file end to end, from first call to final disbursal.
What documents will I need?
This varies by lender and employment type. Once you shortlist a lender, your RM shares a tailored document checklist so you only gather what's actually required.
Is there a fee for using HousingMint?
Finding and comparing loans is free for borrowers. We're paid by the lending partner once your loan is disbursed.
Can I switch my relationship manager?
Yes — write to priority@housingmint.com and we'll reassign your file within a working day.
What happens if my loan gets rejected?
Your RM shares the exact reason, then resubmits your file to the next-best matching lender on the panel at no extra cost.
Still stuck?
Write to priority@housingmint.com or talk to your RM directly.