For those grappling with a low CIBIL score in their pursuit of a home loan, exploring lease-to-own or rent-to-own options might offer a viable alternative. These arrangements allow individuals to rent a property with the option to buy it later, providing an opportunity to rebuild credit while residing in the prospective home. While a portion of the monthly rent goes towards the potential purchase, it allows time for credit improvement before transitioning into full homeownership. Collaborating with local housing authorities or nonprofits focused on affordable housing initiatives can also yield potential solutions. Some organizations offer assistance programs or affordable housing projects designed to accommodate individuals with varying credit histories. Moreover, individuals with low credit scores should actively engage with credit-building practices, such as obtaining and responsibly managing secured credit cards. Timely payments and responsible credit usage can contribute to gradual score improvement, enhancing the chances of securing a home loan in the future. In essence, navigating the realm of home loan with low cibil score involves exploring alternative paths, seeking community resources, and actively participating in credit-building activities to create a more favorable financial landscape for homeownership.