Rajatheertha Construction & Real Estate News Blog

  Home Loan Balance Transfer 2026: When Switching Lenders Saves Money After the RBI Rate Hike India | October 11, 2026 Home-loan borrowers in India have a new reason to check the interest rate printed on their latest loan statement. The Reserve Bank of India raised the policy repo rate by 25 basis points to 5.50% on October 7, 2026 , its first increase since 2023. The RBI also shifted its monetary-policy stance to calibrated tightening and said that, under current conditions, near-term rate cuts are off the table; future action is more likely to be either another hike or a pause depending on inflation and growth. For borrowers with floating-rate home loans, the immediate question is not simply: “Will my EMI increase?” A more useful question is: “Am I paying a significantly higher rate than another lender would charge me today—and would transferring the loan actually save enough money to justify the costs?” That is where a home loan balance transfer can become useful. But switchin...

  RBI Repo Rate October 2026: Will Home Loan EMIs Rise if RBI Hikes Rates to 5.50%? India | October 5, 2026 India’s homebuyers have a new number to watch this week. The Reserve Bank of India’s Monetary Policy Committee began its October meeting on October 5 , with its interest-rate decision scheduled for October 7, 2026 . The current policy repo rate is 5.25% . Financial markets and a majority of economists now expect the RBI to consider raising it by 25 basis points to 5.50% , as inflation has moved above the central bank’s 4% medium-term target and global borrowing costs remain elevated. A Reuters poll published ahead of the meeting found that 35 of 61 economists — nearly 60% — expect a 25-basis-point hike . Market pricing was even more decisive at the time of the report, with interest-rate swaps effectively pricing in higher borrowing costs. If the RBI does raise the repo rate, it would be its first rate increase since February 2023 . But that sentence needs one important word: ...