RBI ka Naya Faisla: Repo Rate mein kami!
Reserve Bank of India (RBI) ne pichle hafte ek bada announcement kiya. Unhone repo rate ko 50 basis points se ghata diya hai. Iska matlab hai ki repo rate ab 5.5% ho gaya hai. Yeh faisla unki Monetary Policy Committee (MPC) ki meeting ke baad liya gaya.
Aam Aadmi ko Kya Fayda?
Repo rate kam hone se banks ko RBI se kam interest rate par paise milenge. Is wajah se, banks apne customers ko bhi kam interest rate par loan de sakte hain. Basically, aapka loan sasta ho sakta hai!
Home Loan Lene Walon ke Liye Khushkhabri!
RBI ke is move se home loan lene walon ko bahut fayda hoga. Home loan interest rates kam hone ki ummeed hai, jisse aapki EMI (equated monthly instalment) bhi kam ho jayegi. Agar aap floating rate loan lete hain, toh aapko aur bhi zyada fayda ho sakta hai.
Floating Rate Loan Kya Hota Hai?
Floating rate loan woh hota hai jiska interest rate time ke saath badalta rehta hai. Yeh usually kisi benchmark lending rate se juda hota hai, jaise ki repo rate. Jab repo rate kam hota hai, toh aapka interest rate bhi kam ho jata hai.
Aur Kya Hone Wala Hai?
Ummeed hai ki retail loan rates aur bhi kam honge, jisse desh ki economy mein tezi aayegi. State Bank of India jaise bade banks abhi interest rates mein change announce nahi kiye hain, lekin kuch banks ne already interest rates kam kar diye hain.
Sabse Kam Home Loan Interest Rates Kahan Milenge?
Home loan interest rates har bank mein alag-alag hote hain. Banks aapka credit history, CIBIL score, aapka profession aur aapki financial details dekhte hain. Iske basis par woh aapko interest rate offer karte hain. Currently, banks 7.85% per annum se shuru hone wale interest rates offer kar rahe hain. Bank of Maharashtra, Canara Bank aur Union Bank jaise lenders 8% se kam interest rates par home loans de rahe hain. Wahi, Axis Bank aur HDFC Bank jaise private banks 8% se zyada interest rates offer kar rahe hain.
Kaun Se Banks de Rahe hain Sabse Kam Interest Rate?
Interest rates jo chart mein dikhaye gaye hain, woh banks dwara provide kiye gaye usual range ko reflect karte hain. Lekin, aapke home loan par charge kiya jane wala specific rate aapke employment, income, credit history aur loan tenure jaise factors par depend karta hai.
