Repo Rate vs Home Loan Interest Rate – Understanding the Impact on Your EMIs

The repo rate is the rate at which the Reserve Bank of India lends to commercial banks, influencing overall lending rates in the economy. A change in the repo rate can affect home loan interest rates, as banks adjust their lending rates accordingly. When the repo rate decreases, borrowers may benefit from lower EMIs, while an increase can raise home loan costs. Understanding this relationship helps plan loan repayments effectively.

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