The Reserve Bank of India (RBI) has reduced the repo rate by 50 basis points to 5.50%, boosting the real estate sector, particularly in home loans. This move is expected to ease EMIs and stimulate demand in the affordable and mid-income housing segments.
Repo RateReal EstateHome LoansRbiEconomic GrowthReal Estate NewsJun 06, 2025
The repo rate is the interest rate at which the Reserve Bank of India (RBI) lends short-term funds to commercial banks. It is a key tool used by the RBI to control the money supply and manage inflation.
A reduction in the repo rate typically leads to lower interest rates on home loans. This can result in lower EMIs (equated monthly instalments) for borrowers, making home loans more affordable and increasing demand in the real estate market.
MCLR stands for Marginal Cost of Funds-based Lending Rate. It is the minimum interest rate below which a bank is not permitted to lend, except in certain cases. MCLR is used to determine the interest rates on loans and advances.
Borrowers with floating-rate home loans benefit the most from a repo rate cut, as they can see a reduction in their EMIs. This can free up more disposable income for households and stimulate spending in the economy.
A repo rate cut can have a positive impact on the real estate market by making home loans more affordable. This can boost demand, especially in the affordable and mid-income housing segments, and support overall economic growth.
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