With interest rates easing and incentives like PMAY, it’s a good time for first-time borrowers to consider home loans. But how do lenders evaluate your creditworthiness—and should you go with a bank or an NBFC?

​With interest rates easing and incentives like PMAY, it’s a good time for first-time borrowers to consider home loans. But how do lenders evaluate your creditworthiness—and should you go with a bank or an NBFC?