RBI Policy: When the Reserve Bank of India kept the repo rate unchanged at 5.25 per cent, the immediate question for borrowers was simple: will home loans become cheaper?The short answer is no. But the longer answer is more interesting.

Rates may not fall further, but the stability itself is changing how buyers, investors and developers are approaching the market. Follow Live Updates

After the sharp rate cuts of 2025, most banks had already reduced lending rates by nearly 125 basis points. For a Rs 50 lakh home loan, that has translated into EMIs that are roughly Rs 4,000 lower than the peak seen earlier.

With the repo rate now steady, lenders are unlikely to raise rates in the near term. For borrowers, this means predictability.According to real estate experts, this predictability is now influencing buying decisions more than the hope of cheaper loans.

Sudhir A Patel, Director, Shyam Group, says the real estate revival is no longer a headline story but visible on the ground.

With interest rates steady, both EMIs and construction costs remain stable. Developers are increasingly offering "rate-lock" schemes that allow buyers to lock current property prices for three to six months, as their own borrowing costs are not rising.

Source:Ndtv