RBI repo rate cut could lower home loan costs but is it the right time to buy a house?
Last Update Date: 06-10-2026
Published by Hindustan Times
Abhishek Kumar's role: Quoted
Abhishek Kumar said banks were expected to pass on the cut through lower home loan rates, helping first-time and mid-income buyers. He cautioned buyers to keep an emergency fund covering six months or more, hold total EMIs under 40% of income and avoid overstretching their budget.
More of Abhishek's views on debt and loans
After the RBI cut the repo rate by 25 basis points to 5.25% in December 2025, the article considers whether it is a good time to buy a home. It covers who stands to gain from lower home loan rates, the financial checks buyers should make first, and whether existing borrowers should cut their EMI or shorten their loan tenure.
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RBI repo rate cut could lower home loan costs but is it the right time to buy a house?