If you managed to settle your personal loan, you can certainly get a house loan afterwards. Because the bank has secured the loan against your property, there is no chance of default when you take out a home loan. The length of time it takes to become eligible varies depending on the bank and financial program they provide, but most banks typically allow borrowers who have settled their loans to apply for a new housing finance right away. This is because settling your loan (compared to willful default) shows the bank that you are capable of handling your finances. After personal loan settlement, it is critical to be aware of numerous options on the market and their interest rates. Also see whether your repayment capacity has improved or decreased as a result of this agreement. You may determine that by seeing if the new home loan's EMI will fit within your budget constraints.