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SBI Home Loan

Home State Bank of India SBI Home Loan

State Bank of India offers home loans at interest rates starting from 7.50% p.a. onwards for tenures up to 30 years and for loan amounts up to 90% of property’s cost. The lender also offers various special home loan schemes for defence personnel, non-salaried individuals, government employees and individuals living in hilly/tribal areas. Some of the other benefits that come with SBI Home Loans include home loan overdraft facility, balance transfer facility, top-up facility, etc.

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Updated: 24-06-2025 07:19:30 AM

SBI Home Loan Highlights
Interest Rate 7.50% – 8.70% p.a.
Loan Amount Up to 90% of the property value
Loan Tenure Up to 30 years
Processing Charges Up to 0.35% of the loan amount (Minimum: Rs 2,000; Maximum: Rs 10,000)

Note: Last updated on 24 June 2025

SBI Home Loan Interest Rates 2025

SBI Home Loan interest rates start from 7.50% p.a. The bank offers home loan interest rates depending on the applicant’s credit score and the type of home loan scheme applied for. However, the bank has not specified interest rate differentiation based on the loan amount, credit score, LTV ratio, job profile, employer’s profile, monthly income, etc. Nevertheless, the lender may consider these factors while setting home loan interest rates for their applicants. Below-mentioned are the SBI housing loan interest rates of various schemes:

Scheme Wise SBI Housing Loan Interest Rates

SBI Home Loan Schemes Interest Rates (p.a.)
SBI Home Loan (TL) 7.50%-8.45%
SBI Maxgain Home Loan (OD) 7.75%-8.70%
SBI Top-up Home Loan 8.00%-10.50%
SBI Top-up Home Loan (OD) 8.25%-9.20%
SBI YONO Insta Home Top-up 8.35%

 

Home Loan Interest Rates of SBI v/s Other Top Lenders

Name of LenderLoans Up to Rs. 30 LakhLoans Above Rs. 30 Lakh to Rs. 75 LakhLoans Above Rs. 75 Lakh
SBI7.50%-8.70% p.a.7.50%-8.70% p.a.7.50%-8.70% p.a.Check Eligibility
HDFC Bank Limited8.45% p.a. onwards8.45% p.a. onwards8.45% p.a. onwardsCheck Eligibility
Bajaj Housing Finance7.49%-17.00%7.49%-17.00%7.49%-17.00%Check Eligibility
ICICI Bank8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwardsCheck Eligibility
Axis Bank8.75%-12.80% p.a.8.75%-12.80% p.a.8.75%-9.65% p.a.Check Eligibility
Federal Bank9.15% p.a. onwards9.15% p.a. onwards9.15% p.a. onwardsCheck Eligibility
Punjab National Bank7.55% - 9.35% p.a.7.50% - 9.25% p.a.7.50% - 9.25% p.a.Check Eligibility
Kotak Mahindra Bank8.20% p.a. onwards8.20% p.a. onwards8.20% p.a. onwardsCheck Eligibility
Bank of Baroda7.50% - 9.25% p.a.7.50% - 9.25% p.a.7.50% - 9.50% p.a.Check Eligibility
Canara Bank7.50%-10.25% p.a.7.45% – 10.25% p.a.7.40% – 10.15% p.a.Check Eligibility
IDFC FIRST Bank8.85% p.a. onwards8.85% p.a. onwards8.85% p.a. onwardsCheck Eligibility
IDBI Bank7.75% p.a. onwards7.75% p.a. onwards7.75% p.a. onwardsCheck Eligibility
Punjab & Sind Bank7.55% - 10.75% p.a.7.55% - 10.75% p.a.7.55% - 10.75% p.a.Check Eligibility
RBL Bank8.20% p.a. onwards8.20% p.a. onwards8.20% p.a. onwardsCheck Eligibility
LIC Housing Finance8.00% p.a. onwards 8.00% p.a. onwards 8.00% p.a. onwards Check Eligibility
Tata Capital Housing Finance8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwardsCheck Eligibility
PNB Housing Finance8.25% - 14.50% p.a.8.25% - 14.50% p.a.8.25%-11.35% p.a.Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance)		8.75% onwards8.75% onwards8.75% onwardsCheck Eligibility
Aditya Birla Capital8.50% onwards8.50% onwards8.50% onwardsCheck Eligibility
India Shelter Home Loan10.00% onwards10.00% onwards10.00% onwardsCheck Eligibility
L&T Finance Limited8.65% p.a. onwards8.65% p.a. onwards8.65% p.a. onwardsCheck Eligibility
Godrej Housing Finance8.55% onwards8.55% onwards8.55% onwardsCheck Eligibility
Home First Finance11.90% onwards11.90% onwards11.90% onwardsCheck Eligibility
Easy Home Finance8.95% onwards8.95% onwards8.95% onwardsCheck Eligibility
Piramal Capital Housing Finance9.50% onwards9.50% onwards9.50% onwardsCheck Eligibility
Cholamandalam Investment and Finance10.50% onwards10.50% onwards10.50% onwardsCheck Eligibility

SBI Home Loan Processing Fees and Charges

Particulars Details
Home Loan & Top-up Home Loan Up to 0.35% of the loan amount (Minimum: Rs 2,000; Maximum: Rs 10,000)
NRI, Realty, Maxgain, CRE, Flexi-pay, Non-salaried, PAL, Trible Plus, Apon Ghar Loan above Rs 15 lakhs 0.35% of the loan amount (Rs 2,000-Rs 10,000)
YONO Insta Home Top-up Loan (Digital Product) Rs 2,000
Privilege and Shaurya Home Loan NIL
Apon Ghar (HL up to Rs 15 lakhs) NIL
Kerala Govt Employees Home Loans Scheme NIL

Also Read: Processing Fees Charged by Various Home Loan Lenders

Types of SBI Home Loan

Regular Home Loan

Purpose: SBI offers a Regular Home Loan scheme for financing the purchase of already built/under construction property and the purchase of pre-owned homes. Those seeking to avail home construction loan for financing the construction of their home property or avail home renovation loan for carrying out repair/renovation/extension of their existing house property can avail the SBI Regular Home Loan scheme.

Tenure: Up to 30 years

NRI Home Loan

Purpose: SBI offers NRI Home Loans to Non-Resident Indians for purchasing residential properties in India.

Tenure: Up to 30 years

SBI Flexipay Home Loan

Purpose: SBI offers Flexipay Home Loan to salaried applicants wherein they can avail higher loan amounts. The repayment tenure of SBI Flexi Home Loan is divided into two terms – the pre-EMI period where the borrower pays only the interest component and the balance period where the borrower pays both the interest and the principal component.

Tenure: Up to 30 years

SBI Home Loan Balance Transfer

Purpose: SBI Home Loan Balance Transfer is offered to existing home loan borrowers of other banks/HFCs to transfer their housing loans to State Bank of India at lower interest rates.

SBI Privilege Home Loan

Purpose: Government employees working with central/state government, public sector banks, public sector undertakings and other individuals with pensionable services can avail SBI Privilege Home Loan Scheme.

Tenure: Up to 30 years

SBI Shaurya Home Loan

Purpose: SBI Shaurya Home Loan scheme is a special home loan scheme designed for army and defense personnel with lower interest rates, easy repayment options and a longer repayment period.

Tenure: Up to 30 years

SBI Pre-Approved Home Loan

Purpose: SBI Pre-approved Home Loan facility allows prospective home loan applicants to obtain pre-approved loan sanction even before finalizing the property. This allows the applicants to confidently negotiate with the builders/sellers. This sanction is offered on the basis of the income of the home loan applicant.

Tenure: Up to 30 years

SBI Realty Home Loan

Purpose: Prospective home loan borrowers can avail SBI Realty (Plot) Home Loan to raise funds for plot purchase and home construction thereon, provided the construction begins within 5 years from the date of loan sanction.

Loan Amount: Up to Rs 15 crore

Tenure: Up to 10 years

SBI Top-up Home Loan

Purpose: SBI offers SBI Top-up Home Loan facility to its existing home loan borrowers wherein they can avail additional loan amounts over and above their existing home loans for any personal use.

Tenure: Up to 30 years

SBI YONO Insta Home Top-up Loan

Purpose: Pre-select existing home loan borrowers of SBI can avail SBI YONO Insta Home Top-up Loan, to meet their personal requirements. This is an instant top-up home loan facility offered through a completely digital process over the SBI YONO app.

SBI Home Loan to Non-Salaried- Differential Offerings

Purpose: SBI Housing Loan to Non-Salaried-Differential Offerings is a special home loan scheme designed for non-salaried applicants to finance the purchase and construction of homes, repair and renovation of existing dwelling units and balance transfer of existing home loans from other lenders to SBI.

Loan Amount: Rs 50,000-Rs 5 crore

Tenure: Up to 30 years

SBI Tribal Plus

Purpose: SBI Tribal Plus is a special home loan scheme designed for individuals residing in tribal/hilly areas. The applicants can avail the home loan scheme for the purchase/construction of a new house/flat, the purchase of an existing house/flat not more than 10 years old, and repair/renovation/extension of existing home properties.

Loan Amount:

  • For Salaried Individuals- Up to Rs 20 lakh
  • For Non-Salaried Individuals – Up to Rs 15 lakh

Tenure: Up to 15 years

SBI Maxgain Home Loan


Purpose: SBI Maxgain is a home loan overdraft facility offered to applicants planning to purchase ready-to-move-in properties. The borrowers are required to meet their EMIs just like they do for Regular Home Loans. However, the drawing power on the overdraft facility gets reduced monthly to the extent of the principal balance.

SBI Home Loan Eligibility Criteria

SBI offers home loans depending on the age and job profile of its applicants. Below-mentioned are the criteria depending on which SBI evaluates the home loan eligibility of its applicants.

Types Eligibility
For SBI Regular Home Loans/Home Loan Balance Transfer/Pre-Approved Home Loan Minimum age: 18 years
Maximum age: 70 years
Nationality: Resident Indian
For SBI NRI Home Loan Minimum age: 18 years
Maximum age: 60 years
Nationality: Non-Resident Indian and Person of Indian Origin
For SBI Flexipay Home Loan Minimum age: 21-45 years
Maximum age: 70 years
Job Profile: Salaried
Nationality: Indian
For SBI Privilege Home Loan Minimum age: 18 years
Maximum age: 75 years
Nationality: Resident Indian
Job Profile: Government employees working with the central or state government, public sector banks, public sector undertakings of the central government and other individuals with pensionable service.
For SBI Shaurya Home Loan Minimum age: 18 years
Maximum age: 75 years
Nationality: Resident Indian
Job Profile: Army and Defence Personnel
For SBI Realty Home Loan Minimum age: 18 years
Maximum age: 65 years
Nationality: Indian
For SBI Top-up Home Loan Minimum age: 18 years
Maximum age: 70 years
Nationality: Resident Indian/NRIs
For SBI YONO Insta Home Top-up Loan Pre-selected customers based on various credit checks such as satisfactory repayment, residual loan tenure, etc.
For SBI Home Loan to Non-Salaried-Differential Offerings Minimum age: 18 years
Nationality: Resident Indian
Job Profile: Non-Salaried, if the applicant is a proprietor in a proprietorship firm, or is one of the partners in a partnership firm, or is a director in a company, the company/firm:-

  • Should be in existence for at least 3 years
  • Should have earned Net Profit in the past 2 years
  • Regular and standard existing credit facilities
  • If the proposed house property is jointly acquired by a proprietor and proprietary firm, the firm should be debt-free or an existing borrower
For SBI Tribal Loan Minimum age: 21 years
Maximum age: 60 years
Nationality: Resident Indian


In addition to the above-mentioned SBI home loan eligibility criteria, the lender may also consider factors like monthly income, EMI/NMI ratio and credit score of the home loan applicants for evaluating their home loan eligibility.

Documents Required for SBI Home Loan

SBI has provided a list of documents required for availing home loans. Below-mentioned is the detailed list of documents required for availing home loans from State Bank of India.

General Documents for SBI Housing Loan

  • ID card of the employer
  • Duly filled application form with 3 passport-sized photographs
  • ID Proof: PAN/Voter ID/Passport/Driving License
  • Address Proof: Copy of telephone bill/electricity bill/water bill/piped gas bill/passport copy/Aadhar card

General Documents for SBI NRI Home Loan

  • Employer Identity Card
  • Attested copy of valid Passport and visa
  • Address proof of current overseas address
  • Loan application form duly filled with 3 Passport size photographs
  • For applicants employed in the merchant navy – Copy of Continuous Discharge Certificate (CDC)
  • For PIOs – PIO Card issued by the Government of India
  • The attestation of documents may be done by Offices or Indian Embassy/Consulate, FOs/Rep. or Overseas Notary Public or officials of Branch/Sourcing outfits based in India

Property Papers

  • Permission for construction
  • Sale agreement registered (only Maharashtra), Allotment letter, Stamped Sale Agreement
  • Occupancy certificate (ready to move in), maintenance bill, electricity bill, property tax receipt
  • Copy of plan approved and Registered Development Agreement of the builder, Conveyance Deed (For New Property)
  • Registered Development Agreement of the builder
  • Conveyance Deed
  • Bank account details or payment receipts for payments made to the builder

Account Statement

  • Bank account statement for the last 6 months for all bank accounts
  • Loan account statement for the last 1 year for previous loans from other financial institutions
  • For NRIs – Bank account details for the last 6 months overseas account having salary, savings and Indian account, if any

Salaried Applicant/Co-applicant/Guarantor Income Proof

  • Last 3 months salary slip/certificate
  • Copy of ITR/Form 16, acknowledged by IT Department
  • For NRIs:
    • Valid work permit
    • Copy of last year’s Individual Tax Return except for NRIs/PIOs located in Middle East countries and employees in the Merchant Navy
    • Employment contract – an English translation duly attested by the employer or consulate or foreign office or Embassy in case it is in any other language
    • Latest salary certificate /slip in original and a copy of the identity card issued by the current employer
    • Last 3 months salary slip/certificate
    • Bank Statement of last 6 months showing salary credit

Non-Salaried Applicant/Co-applicant/Guarantor Income Proof

  • ITR for the last 3 years
  • Business Address Proof
  • Profit and loss account and balance sheet for last 3 years
  • TDS Certificate (Form 16A)
  • Qualification Certificate for CA, Doctors and other professionals
  • Business License Details
  • For NRIs:
    • Individual Tax Return of last 2 years, except for NRI/PIO located in Middle east countries
    • Bank Statement of overseas account of last 6 months in the name of individual as well as company/unit
    • Proof of business address
    • Proof of income in case of self-employed professionals/businessmen
    • Audited/C.A. certified Balance Sheet and P&L accounts of last 2 years

Note: There are some lenders that offer home loans to those who do not have sufficient income proof or receive their salaries in cash. Some of these banks and HFCs are PNB Housing Finance, HDFC, LIC Housing Finance, Piramal Housing Finance and IDFC First Bank.

Also Read: SBI Home Loan Documents Required

SBI Home Loan EMI Calculator

Applicants can enter the loan amount, interest rate and loan tenure in the SBI home loan EMI calculator given below and calculate the monthly EMI and total interest payable throughout the tenure.

EMI Calculator
₹
%
Year(s)
EMI Calculator

Monthly EMI ₹ 15,622

Total Amount Payble ₹ 5,62,395(Principal + interest)

Principal Amount ₹ 5,00,000

Total Interest Payble ₹ 62,395

You can also visit SBI Home Loan EMI calculator to check the amortization schedule for a detailed breakup of interest and principal components of home loan EMI.

How to Apply for SBI Home Loan Online

Prospective home loan borrowers can apply for an SBI housing loan online through the SBI YONO app or directly through the official website of the bank. They can also apply for SBI Home Loans through online financial marketplaces like Paisabazaar.com.

Through SBI YONO app:

  • Go to the SBI YONO app and click on the Hamburger icon.
  • Visit the loans menu and click on home loan
  • Check your eligible home loan amount by entering your date of birth, source of income, net monthly income and details of any other loan availed and proceed
  • Fill in the required details and click on submit
  • You will receive a call from an SBI executive

Through the SBI official website:

  • Visit the official website of SBI Home Loan
  • Click on Apply online
  • Fill in the required details and get the eligible loan amount
  • Click on “Apply Now”

SBI Home Loan Customer Care/Grievance Redressal

Toll-free number –

1800112018

For reporting unauthorized electronic transactions:

  • 1800111109 (Toll-free)
  • 9449112211 (mobile number, toll-free)
  • 080 – 2659 9990 (Toll number)

SBI Customer Care Email ID:

  • customercare@sbi.co.in
  • contactcentre@sbi.co.in

You can also text them by sending an SMS UNHAPPY to 8008202020 or Missed call Banking @ SBI Quick

Click on SBI Home Loan Customer Care/Grievance Matrix to know more about the customer care and grievance redressal process of SBI Home Loan.

SBI Home Loan Application Status

Applicants can check their SBI Home Loan application status through the official website of the State Bank of India. They can also check their home loan application status through its online SBI YONO app or SBI internet banking by logging into the account. They can also visit the SBI branches to know the status of their home loan application.

Process of checking home loan status through the official website of SBI:

  • Click on “Application Tracker”
  • Enter the reference number and mobile number
  • Click on “Track”
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FAQs on SBI Home Loan

What is the current SBI Home Loan interest rate?

SBI home loan interest rates start from 7.50% p.a. based on the credit profile of its home loan applicants.

What are the eligibility criteria for an SBI Home Loan?

The applicant’s home loan eligibility depends upon the age, credit score, job profile, employer’s profile, monthly income, repayment capacity, etc.

How is SBI Home Loan interest cost calculated?

SBI uses a monthly reducing balance method to calculate the interest cost on home loans. Here, the interest is calculated on the outstanding principal amount after each EMI payment. The interest component in the home loan EMI is the highest in the initial years of loan tenure.

As the outstanding principal decreases with further repayments, the interest component in the EMI also reduces. However, in order to avoid the complex and lengthy calculations involved, applicants can use the online SBI Housing Loan EMI calculator to calculate the total interest cost, EMIs and total principal amount.

What is the turnaround time for the disbursement of the SBI Home Loan?

SBI claims to take 3-10 working days on average to disburse home loans after the completion of the documentation process and other required procedures.

Is property insurance mandatory for SBI Home Loans?

Property insurance is not mandatory for SBI Home Loan. However, you can purchase property insurance through SBI General which covers private residences and protects them from unpredictable damage and disasters.

Can I close my SBI Home Loan early?

Yes, you can foreclose your SBI Home Loan. As SBI offers home loans at floating interest rates, no foreclosure fee is levied on the applicants.

Are there any concessions offered to women borrowers on the SBI Home Loan interest rate?

SBI currently does not offer any concessions on home loan interest rates for women borrowers.

How can I reduce my SBI Home Loan interest rate?

You can reduce your SBI housing Loan interest rate by switching your home loan from a higher interest rate to a lower interest rate by paying a conversion fee to the lender. If the bank does not agree to reduce your interest rates, you can opt for a balance transfer facility wherein you can transfer your home loan from SBI to any other lender offering lower interest rates.

How can fresh home loan customers avail SBI Housing Loan at lower interest rates?

SBI offers housing loan interest rates based type of home loan scheme applied for. Prospective home loan borrowers can also visit financial marketplaces like Paisabazaar.com to compare the interest rates offered by other lenders and opt for the lender offering the lowest interest rates.

Can I choose between a fixed and floating interest rate?

SBI Bank offers home loans at floating interest rates only.

What is the minimum credit score required to avail home loans from the State Bank of India?

State Bank of India has not specified the cut-off credit score for home loan applicants.

When does the interest rate of an SBI Home Loan change?

The change in the SBI Housing Loan interest rate is subject to the changes in the repo rate. However, the change in your home loan interest rate would further depend on the reset date of your existing home loan. The interest rates for existing SBI housing loan borrowers would change from the interest reset dates fixed for them. Till then, they would continue to repay their SBI housing loans at existing interest rates.

Why does the SBI Home Loan interest rate increase/decrease?

SBI Housing Loan interest rate increases/decreases in accordance with the changes in the repo rate subject to the interest rate reset date set by the bank (in case of fresh home loan applicants) and the rate reset date set for the existing home loan borrowers.

How do lenders check the EMI affordability for their home loan applicants?

Lenders consider the repayment capacity of home loan applicants while evaluating their loan application and loan amount eligibility. Home loan lenders usually prefer lending to home loan applicants having total EMIs, including EMI of the proposed home loan, to be within 50-60% of their monthly income. Hence, home loan applicants can use an online home loan EMI calculator to find out the optimum home loan amount and tenure based on their repayment capacity.

How can I check the home loan’s total interest cost payable online?

You can check the total interest cost through Paisabazaar’s online EMI calculator for home loans. You need to enter three data points including the required loan amount, interest rate and loan tenure into EMI calculators to determine the monthly EMI and total interest cost.

Can I get an in-principal approval and actually avail the loan later?

Yes, SBI offers in-principal home loan approval based on the repayment capacity and income of the applicants. This helps you know how much funds the bank would make available to you which makes the entire process of identifying and purchasing the property easier.

Is pre-payment penalty funded in SBI balance transfer loans?

Yes, a prepayment penalty is funded for the SBI Housing Loan Balance Transfer. However, the loan amount eligibility of the balance transfer applicants will be determined on the basis of their monthly income, LTV ratio, EMI/NMI ratio, etc.

Can I apply jointly with my spouse? Will the bank consider both our salaries for calculating the loan amount?

Yes, you can apply jointly with your spouse. The salary of your spouse will be considered only if he/she becomes a co-applicant on the home loan. If your spouse is a co-owner of the property, then he/she has to become a co-applicant in the home loan.

What should be the minimum CIBIL Score for availing SBI Home Loan?

While the SBI sets its home loan interest rates based on its applicant’s CIBIL score, it has not specified the minimum CIBIL score required for availing home loans. However, lenders usually prefer home loan applications from individuals having a CIBIL score of 700 and above.

What is the age limit for availing SBI Home Loan?

Applicants having a minimum age of 18 years and a maximum age of 70 years are eligible for availing SBI Home Loan.

What is the maximum tenure for SBI Home Loan?

SBI offers home loans for a maximum tenure of up to 30 years.

What are the basic eligibility criteria for SBI Home Loan?

SBI offers home loans to both resident as well as non-resident Indians with a minimum age criteria of 18 years. However, the maximum age for the SBI home loan applicants varies on the basis of the home loan schemes opted for. For example, the maximum age limit for the applicants of the SBI General Home Loan Scheme is 70 years whereas that of the SBI Shaurya Home Loan is 75 years. Additionally, the final eligibility for availing of SBI Home Loans would also depend on the job profile, employer’s profile, monthly income, repayment capacity, property features, etc. For non-salaried individuals, SBI would also consider the business vintage, net profit, existing credit facilities, etc of the business of which the loan applicant is the proprietor or one of the partners.

How can I download my SBI Home Loan statement?

You can download your SBI Home Loan statement either through the official website of SBI or through its SBI YONO app.

Does SBI reduce home loan interest rates for existing customers?

Borrowers who have availed SBI home loans at floating interest rates would witness an increase/decrease in their home loan interest rates as per the changes in their linked benchmark interest rates, subject to their rate reset dates. Moreover, SBI also offers its floating rate home loan borrowers with regular account conduct to switch to the new interest rate structure, on payment of a one-time switch-over fee.

How to get a home loan interest certificate from SBI?

Home loan borrowers can get their home loan interest certificate by logging into the Personal Banking section on retail.onlinesbi.sbi. or call toll free numbers 1800 1234 or 18002100 from their registered mobile number.

Is property insurance mandatory for SBI Home Loans?

Availing property insurance is mandatory for SBI home loan borrowers. The property purchased or constructed with the SBI home loans should be insured against risks such as fire, earthquakes, lightning, riots, floods, etc. The insurance should be in the joint names of both the borrower and the bank, covering the actual project cost (after deducting the cost of land, stamp duty, and registration charges). The borrower is responsible for the cost of the insurance.

How much home loan can I get on a Rs 40,000 salary from SBI?

Apart from the monthly salary or annual income of a home loan applicant, lenders may also consider the applicant’s existing loan repayment liabilities, chosen loan tenure, age and other facets of his/her credit profile while setting the maximum eligible amount for a home loan. Additionally, your maximum home loan amount would also depend on whether the lender uses the EMI/NMI ratio or multiplier method or a combination of both to set the maximum eligible loan amount. As the SBI has not disclosed any information regarding the methodology used by it, you should check directly with the bank to know the maximum home loan amount that you can avail from the bank based on your salary and other facets of your credit profile.

What is the SBI Home Loan interest rate for pensioners?

SBI has not disclosed special home loan interest rates for pensioners or senior citizens. The final interest rates offered to such applicants would depend on their credit score, monthly pension amount and other facets of their credit profile.

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