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You decide to take a Loan Against Property because you need funds for an important purpose. Since you already own a property, getting the loan seems straightforward. Then the lender asks for your CIBIL score, and suddenly you start wondering if that one number can affect your approval. Many borrowers have the same question. 

Taking a secured loan is not just about signing documents and setting up EMIs. Behind the scenes, there is a formal process that ensures the asset you pledge is properly recorded and protected.