I would suggest to spend Rs 470 and get your CIBIL score online, before you apply for housing loan just to be on safer side. Saying this because Loan processing fees, paid once won't be refunded and CIBIL record can sometimes have problems which we might not even be aware of. To quote an example, A friend of mine who was buying a Vento recently had his loan rejected due to problem in CIBIL record. the problem was that he held a credit card for few months some 8 yrs back which he never used. there was some fees of amount less than 100 which he had paid and closed the card. however, in CIBIL records, somehow there was a write-off of some 300 odd rupess mentioned against that credit card of his! ultimately he had to take the loan on his wife's name because time wasn't enough to get the record corrected.