While you don't technically need "good" credit to buy a house, your credit score is the single most important factor determining your and loan options .
: If you need a loan, a higher credit score (typically 750 or above ) unlocks the lowest interest rates and easiest approval process. Minimum Scores by Loan Type do i need good credit to buy a house
Fast approval, best rates, and higher loan amounts. While you don't technically need "good" credit to
Lenders use different "floors" depending on the program. In India, most major banks look for a as a baseline. Lenders use different "floors" depending on the program
Some specialized or government-backed programs (like FHA in the U.S. or specific NBFC schemes in India) may go this low, but they often require larger down payments or higher insurance costs.
Generally eligible, but you may pay slightly higher interest.
: If you pay for the house in full with cash, your credit score is completely irrelevant.