RBI Holds Repo Rate At 5.25%: Will Your Home Loan Get Cheaper?
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The Reserve Bank of India has kept the repo rate steady at 5.25%, which is expected to maintain stability in home loan rates. This stability is influencing buyer and developer decisions, with experts advising buyers to focus on current market dynamics rather than waiting for lower interest rates.
The Reserve Bank of India has kept the repo rate unchanged at 5.25%. This decision is expected to maintain stability in home loan rates, as banks had already cut lending rates by 125 basis points in 2025. As a result, borrowers can expect their EMIs to remain stable, with a Rs 50 lakh home loan having an EMI roughly Rs 4,000 lower than the peak. Real estate experts believe this stability is now influencing buying decisions more than the hope of cheaper loans. Developers are offering 'rate-lock' schemes, allowing buyers to lock current property prices for three to six months. Experts advise buyers to focus on current market dynamics rather than waiting for lower interest rates, as the steep rate cuts of 2025 are unlikely to repeat.
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