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home loan EMI

Will RBI MPC's decision on repo rate bring down your home loan EMI?

Will RBI MPC's decision on repo rate bring down your home loan EMI?

Wed, Oct 09, 2024

The repo rate, repurchase agreement or repurchasing option, is the interest rate at which the RBI lends money to commercial banks. When the economy grows, liquidity in the market rises, loans are available at a cheaper rate, and inflation is rising, the RBI takes a measure to control this situation by making borrowing costly.

RBI October MPC Review: No change in repo rate, stance revised to 'neutral', announces Shaktikanta Das

RBI October MPC Review: No change in repo rate, stance revised to 'neutral', announces Shaktikanta Das

Wed, Oct 09, 2024

RBI Repo Rate Decision: The Reserve Bank of India Governor-led Monetary Policy Committee decides the repo rate—or the key interest rate at which the RBI lends money to commercial banks—taking into account a number of factors including consumer inflation (measured by the CPI) and GDP growth. It is the very rate that determines the interest rates commercial banks like SBI and HDFC Bank pass on to their customers.

How home loan prepayment of Rs 2.50 lakh can save your Rs 12 lakh in interest on Rs 50 lakh loan

How home loan prepayment of Rs 2.50 lakh can save your Rs 12 lakh in interest on Rs 50 lakh loan

Thu, Aug 08, 2024

Home Loan Prepayment: If you take Rs 50 lakh home loan for 20 years at 10 per cent interest rate, your equated monthly instalment (EMI) will be Rs 48,251, the total interest will be Rs 65,80,260, and the repayment amount will be Rs 1,15,80,260.

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How difference of just 100 points in Cibil score may force you pay Rs 10.41 lakh extra on Rs 50 lakh home loan

How difference of just 100 points in Cibil score may force you pay Rs 10.41 lakh extra on Rs 50 lakh home loan

Tue, Jun 11, 2024

Most of us have the dream of buying a home. However, homes are expensive, and one relies on home loans to fulfil their dream. Lenders check an applicant's Cibil score before extending the loan offer.

SBI, PNB, HDFC Bank, ICICI Bank Home Loan Interest Rates: What can be your EMI on Rs 75 lakh, 20-year home loan; get details

SBI, PNB, HDFC Bank, ICICI Bank Home Loan Interest Rates: What can be your EMI on Rs 75 lakh, 20-year home loan; get details

Thu, Jun 06, 2024

When the repo rate is high, lenders increase home loan interest rates, leading to a higher EMI for a home loan borrower. However, the RBI has maintained a calm stance for over a year, not increasing the repo rate since February 2023.

Has your home loan EMI bounced? Do these things to avoid a negative impact on your CIBIL score

Has your home loan EMI bounced? Do these things to avoid a negative impact on your CIBIL score

Tue, Feb 13, 2024

If you want to maintain a good credit score, you must pay your equated monthly installments (EMIs) of your home loan on time. Skipping even one payment may hurt your credit score and force you to take loans in the future at high rates.

Home Loan EMI+SIP: How you can get house worth Rs 50 lakh at almost half the price!

Home Loan EMI+SIP: How you can get house worth Rs 50 lakh at almost half the price!

Sun, Jan 28, 2024

Purchasing a home is a costly affair. If one takes a home loan, they have to pay heavy interest on it in the long duration. It makes sometimes, home buyer to think, whether it was better to purchase a home or rent it. If you also want to recover the cost of your house, mutual fund investment through Systematic Investment Plan (SIP) may help you in this. Know how!

RBI MPC Meet: Will Your Home Loan EMI Increase?

RBI MPC Meet: Will Your Home Loan EMI Increase?

Thu, Dec 07, 2023

Feeling anxious about the recent repo rate change and its impact on your home loan EMI? Relax! This video explains the difference between fixed and floating interest rates in home loans and how they react to repo rate changes. Discover whether you need to worry or not based on your loan type.

Money Guru: How to take advantage of offers in the festive season?

Money Guru: How to take advantage of offers in the festive season?

Fri, Oct 06, 2023

Festive Season: Now the festive season is starting from the month of October, so how can we take advantage of the festive season offers in this season, and what is the right time to take a home loan?

Paisa Wasool 2.0: How to lower EMIs and save lakhs with Home Loan Balance Transfer

Paisa Wasool 2.0: How to lower EMIs and save lakhs with Home Loan Balance Transfer

Fri, Sep 22, 2023

Taking a home loan requires long-term planning and commitment as repayment tenures can stretch over decades. But, with interest rates fluctuating majorly, one can find financers offering lower rate and better terms. In such a situation, home loan refinance or balance transfer can help save on EMIs as well as ease repayment conditions. In this video we discuss the features and benefits of home loan transfer or refinancing.

No respite on home loan EMIs yet as RBI keeps rate paused; can you expect good news soon?

No respite on home loan EMIs yet as RBI keeps rate paused; can you expect good news soon?

Thu, Jun 08, 2023

When it comes to your home loan EMI, can you expect good news from the RBI anytime soon? The central bank has once again maintained a status quo on the repo rate — the benchmark rate that determines the interest you pay on your home loan — and left its policy stance unchanged, as widely expected.

Paisa Wasool 2.0: 5 ways to save upto Rs 37.5 lakh on Rs 50 lakh home loan

Paisa Wasool 2.0: 5 ways to save upto Rs 37.5 lakh on Rs 50 lakh home loan

Sun, Jun 04, 2023

Owning a home is a major goal in life for a lot of us, but factors like high real estate prices and high-interest rates on home loans can make it very difficult. So, if you’ve taken a home loan or are planning to take one, then here are some tips on how you can reduce your home loan EMIs and save money.

RBI likely to hike key lending rate by 25 bps today; could it spell a pause in increases for now?

RBI likely to hike key lending rate by 25 bps today; could it spell a pause in increases for now?

Tue, Feb 07, 2023

The RBI is likely to announce a hike of 25 basis points in the repo rate — the benchmark interest rate at which it lends money to commercial banks — to 6.5 per cent, according to a poll of economists by Zee Business. Economists believe the central bank may pause rates for some time after the February 8 action.

Home Loan Interest Rates Impact: Even 1% hike increases your EMI burden by this amount

Home Loan Interest Rates Impact: Even 1% hike increases your EMI burden by this amount

Wed, Aug 24, 2022

The Reserve Bank of India (RBI) increased its repo rate by 50 basis points in August to tame inflation.

commercial and private banks hiked landing rate after repo rate increased by reserve bank of india

commercial and private banks hiked landing rate after repo rate increased by reserve bank of india

Mon, Jun 13, 2022

Commrcial and Private banks increase landing rate in market after repo rate increased by reserve bank of india. Now home laon, car loan, personal loan will become expensive. here you know more about in this video.

How To Manage Home Loan EMI As Interest Rate Go Up Due To Repo Rate Hike?

How To Manage Home Loan EMI As Interest Rate Go Up Due To Repo Rate Hike?

Wed, Jun 08, 2022

Calculation of home loan EMI will give a clear idea about the amount you have to pay and help you make an informed decision about choosing a suitable home loan.

RBI hikes Repo Rate by 50bps to 4.90%, here know What is Repo Rate?

RBI hikes Repo Rate by 50bps to 4.90%, here know What is Repo Rate?

Wed, Jun 08, 2022

The Reserve Bank of India (RBI) on Wednesday hiked key repo rate by 50 basis points (bps) to 4.90% in a bid to tame the scoring inflation in the country. this is the 2nd straight hike by central bank in 2 months and is expected to hike borrowing costs for corporates and individuals. here know what is Repo Rate.

Home Improvement Loan Limit Increased By RBI

Home Improvement Loan Limit Increased By RBI

Wed, May 25, 2022

RBI has recently said that primary cooperative banks can give loans up to Rs 10 lakh to people in metro cities for repair or alteration of their houses.

Things To Keep In Mind Before Taking A Home Loan

Things To Keep In Mind Before Taking A Home Loan

Thu, Feb 03, 2022

Taking a home loan is a long-term commitment. In this video, we shed light on important points that you must keep in mind before applying for a home loan.

Home loan festive season GIFT! Wow! Borrowers can get Rs 8000 benefit now

Home loan festive season GIFT! Wow! Borrowers can get Rs 8000 benefit now

Wed, Aug 07, 2019

Those who have taken a home loan of Rs 20 lakh for a period of 20 years at an interest rate of 9.55 per cent, earlier they had to pay a monthly installment of Rs 18,708, but this will now be reduced to Rs 18,253 at the rate 9.20 per cent - if it is passed on entirely.

Here's breakdown of how interest rate cut will help you to buy property

Here's breakdown of how interest rate cut will help you to buy property

Wed, May 10, 2017

SBI and other banks have slashed their interest rates on home loans to boost affordable housing, find out how an interest rate cut will help you to buy property.

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