I have taken Personal & home loan. Are there banks or even lenders that consolidate l

I have taken personal loans and want to go for a home loan. Banks would be unwilling to consolidate a personal loan and a home loan because the interest rates and risks are different.
Personal loans carry a higher rate because these do not have a collateral. Home loans are available at a lower rate because these are secured by the home you purchase using the loan.
Banks may be willing to consider the two loans separately, and you take a home loan without any reference to the personal loans you already have.

[Coleroo]

Hi leonardo,

Im having a little difficulty understanding your question. Are you asking if its possible to consolidate unsecured credit into a new mortgage / home loan?

If so, sometimes it may be possible. If you found a home (perhaps a foreclosure?) that an the bank's appraiser valued at 30 to 50% higher than the purchase price (for instance, a property is valued at 120,000 but the person wants to sell and could care less what he gets, the purchase price could be 60,000... you'd have an instant equity of 60k to work with making the Loan to Value only 50% - you could get a loan for the purchase price of 60k PLUS whatever unsecured debt you owe (lets say 13,000)... and get the total mortgage for 73k.. and it would all be "secured" by the house value.

Some banks however only let you ask for the purchase price. And I wouldnt really recommend doing that anyway since you would then be paying interest for 30 years on that unsecured debt...