Home Loan Will Be Cheaper From Today by codingdefined

View this thread on: hive.blog | peakd.com | ecency.com

hive-167922 · @codingdefined · 2025-06-06T16:45:45+00:00

$3.13

Home Loan Will Be Cheaper From Today

Today Reserve Bank Of India has reduced the repo rate by 0.5% which is a major repo rate cut in 2 to 3 years and thus it will help for people having or thinking of taking loan. At one point of time the interest rate of Home loan was as low as 6.5% but it kept on increasing.

![17492282426257847058890164928098.jpg](https://files.peakd.com/file/peakd-hive/codingdefined/243BiMnTWvYg7CJq1Qn2mgyMPVfe2PyieDZxthVBDMHcLaveBhfp1qE5aZJDDr9GoLwEZ.jpg)
PC: Pixabay.com

After the increase it went upto 9% at one point of time. And then when the inflation start to increase the Home loan start to decrease and now it has came down to around 8% or lower. So people having the Home loan will enjoy the 0.5% cut and now they have the option to reduce the EMI or reduce the tenure.

In my opinion reducing the tenure makes sense because then you can continue to pay the higher EMI or the EMI which you were paying and thus the interest on your loan will decrease.

Similarly if you have the cash in hand and don't want to pay the Home loan but want to keep it in FD, then the best time is now because the FD rates might also come down. So you can lock the best rate now and thus can enjoy the higher interest rate on your savings.

The other option is to keep your home loan EMI reduced and then then the extra money can be invested in the market. In this way your EMI will continue and along with thar you can invest little amount in the market. This investment in the market will fetch you 12%+ and thus can help you in the long term.

So it's actually a good move by the RBI and thus people will start taking more loans as well as with the less repo rate they will have more money to spend. So this is like a double benefit for salaried individual who have loans. Because with the new tax regime salaried people will have extra in hand income as well as with the interest rate going down they will have more cash in hand and thus spending will increase which is eventually good for the economy.

Posted Using [INLEO](https://inleo.io/@codingdefined/home-loan-will-be-cheaper-from-today-8na)

👍 indiaunited, bala41288, r1s2g3, tattoodjay, ace108, brofi, muterra, nainaztengra, yintercept, etblink, dailydab, diverse, kanibot, steembasicincome, balaz, sagarkothari88, amitsharma, kannannv, supriya.gupta, arunava, india-leo, dab-vote, reeta0119, happydolphin, chandra.shekar, beyondhorizonmm, imacryptogeek, karishmasingh711, mmunited, heteroclite, deimage, bozz.sports, aleister, tebesc, sidp715, kamaleshwar, bsameep, beardoin, portugalcoin, fasacity, catotune, bala-leo, modiji, hardikv, yogeshbhatt, upfundme, davidbright, disha30, dynamicrypto, pinkchic, shonyishere, clubvote, bbypanda4, sam9999, indiaunited-bot, dikshabihani, ragavee, ranjith98, silenteyes, rainbowbala, vishire, abhay2695, badfinger, gamerzaza, and 29 others

`author`	codingdefined
`permlink`	home-loan-will-be-cheaper-from-today-8na
`category`	hive-167922
`json_metadata`	{"app":"leothreads/0.3","format":"markdown","tags":["hive-167922","Hive-engine","Neoxian","Cent","India","Ctp","Archon","Proofofbrain","Vyb","Bbh"],"canonical_url":"https://inleo.io/@codingdefined/home-loan-will-be-cheaper-from-today-8na","links":["https://files.peakd.com/file/peakd-hive/codingdefined/243BiMnTWvYg7CJq1Qn2mgyMPVfe2PyieDZxthVBDMHcLaveBhfp1qE5aZJDDr9GoLwEZ.jpg)","https://inleo.io/@codingdefined/home-loan-will-be-cheaper-from-today-8na)"],"images":[],"isPoll":false,"dimensions":{}}
`created`	2025-06-06 16:45:45
`last_update`	2025-06-06 16:45:45
`depth`	0
`children`	2
`last_payout`	2025-06-13 16:45:45
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	1.570 HBD
`curator_payout_value`	1.558 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	2,081
`author_reputation`	532,947,752,388,301
`root_title`	"Home Loan Will Be Cheaper From Today"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	143,204,501
`net_rshares`	9,466,485,776,096
`author_curate_reward`	""

properties (23)vote details (93)

voter	rshares	pct
ace108	538,789,384,482	11%
catotune	4,191,251,921	10%
yuslindwi	626,252,572	22.5%
humoalex	544,884,936	30%
josequintana	1,147,947,083	30%
aleister	10,074,740,489	10%
arunava	76,720,420,608	10%
bsameep	6,764,575,297	45%
hardikv	2,982,118,406	22.5%
tattoodjay	539,321,943,534	15%
amitsharma	93,723,883,702	100%
valchiz	514,937,535	5%
etblink	190,110,351,156	22.5%
nainaztengra	274,506,841,493	20%
happydolphin	43,806,092,147	19%
diverse	156,083,436,862	100%
sankysanket18	1,051,894,144	22.5%
sidp715	7,805,299,957	45%
vishire	1,395,925,354	45%
silenteyes	1,462,514,201	22.5%
shonyishere	2,439,139,270	45%
steembasicincome	104,365,592,484	1.25%
frames	820,107,241	25%
r1s2g3	571,535,314,283	50%
bala41288	1,677,989,355,499	50%
portugalcoin	5,480,056,806	10%
dynamicrypto	2,627,687,344	5%
indiaunited	3,114,925,907,010	45%
cool08	624,643,162	22.5%
upfundme	2,923,297,106	7.5%
mchandra	502,008,116	2.25%
raqibul	928,779,331	22.5%
rainbowbala	1,412,328,612	45%
ragavee	1,584,046,469	22.5%
indiaunited-bot	1,716,583,989	45%
yintercept	210,015,016,151	100%
piensocrates	593,879,291	30%
mmunited	17,368,926,619	70%
buildingpies	642,043,984	1.25%
karishmasingh711	19,525,190,581	100%
reeta0119	57,030,972,688	100%
badfinger	1,316,645,947	22.5%
bala-leo	3,899,080,714	100%
sbi-tokens	665,412,276	0.62%
kanibot	108,432,238,544	50%
bozz.sports	10,206,783,692	5%
sidekicker2	809,764,097	17%
balvinder294	1,078,853,919	9%
sidjay	671,097,355	13.5%
dikshabihani	1,659,282,038	22.5%
vandanabhatt	914,177,941	45%
yogeshbhatt	2,972,996,093	45%
gungunkrishu.leo	1,041,725,832	50%
brofi	420,137,469,504	10%
muterra	288,964,941,435	45%
brofund-witness	937,247,032	10%
disha30	2,815,694,240	45%
davidbright	2,841,049,426	7.5%
supriya.gupta	79,639,326,155	100%
kamaleshwar	7,270,395,517	50%
chandra.shekar	34,504,472,689	50%
kannannv	81,023,420,557	50%
jimah1k	673,453,321	45%
gamerzaza	1,201,295,887	22.5%
beardoin	6,053,469,743	10%
beyondhorizonmm	34,441,338,034	70%
deimage	13,839,440,062	22.5%
attentionneeded	521,268,574	9%
india-leo	75,933,646,861	100%
sagarkothari88	97,987,636,486	22.5%
condigital	0	17%
heteroclite	14,387,149,519	22.5%
zuun.net	461,075,437	17%
sam9999	2,259,475,629	22.5%
balaz	101,629,461,658	50%
fasacity	5,478,651,856	45%
emreal	727,665,623	13.5%
pinkchic	2,524,124,963	6.75%
imacryptogeek	29,280,825,044	45%
kalibudz23	254,280,989	100%
abhay2695	1,341,756,615	22.5%
ranjith98	1,470,450,696	22.5%
briefmarken	651,385,808	1.25%
moisesjohan	585,613,097	22.5%
dailydab	184,173,487,362	5%
quan45	705,179,982	22.5%
modiji	3,110,790,112	100%
uyoho	1,113,717,922	22.5%
tebesc	9,587,764,000	11.25%
clubvote	2,392,214,937	1%
neoxianvoter	40,887,844	17%
bbypanda4	2,362,299,160	45%
dab-vote	72,818,321,957	5%

@india-leo · 2025-06-06T17:11:03+00:00

Indiaunited Curation 1749229861210

This post has been manually curated by @bhattg from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating your Leo power to @india-leo account? We share 100 % of the curation rewards with the delegators. 

<sub>**100% of the rewards from this comment goes to the curator for their manual curation efforts. Please encourage the curator @bhattg by upvoting this comment and support the community by voting the posts made by @indiaunited.**</sub>

properties (22)

@indiaunited · 2025-06-06T17:10:57+00:00

Indiaunited Curation 1749229856350

This post has been manually curated by @bhattg from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating to @indiaunited. We share more than 100 % of the curation rewards with the delegators in the form of IUC tokens. HP delegators and IUC token holders also get upto 20% additional vote weight. 

Here are some handy links for delegations: [100HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=167128.84268133843%20VESTS), [250HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=417822.106703346%20VESTS), [500HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=835644.213406692%20VESTS), [1000HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=1671288.426813384%20VESTS). 

[![image.png](https://files.peakd.com/file/peakd-hive/bala41288/46eaz12N-image.png)](https://discord.gg/bGmS2tE) 

<sub>**100% of the rewards from this comment goes to the curator for their manual curation efforts. Please encourage the curator @bhattg by upvoting this comment and support the community by voting the posts made by @indiaunited.**</sub>. 

This post received an extra 20.00% vote for delegating HP / holding IUC tokens.

properties (22)