🏦 Home Loan Rates Gire – Public Sector Banks ne loan sasta kiya!
Mumbai / New Delhi, 9 June 2025
RBI ne 6 June 2025 ko surprise repo-rate cut announce kiya, jisme unhone apna repo rate 6.00% se 5.50% par le aya – total 50 basis points ki reduction . Iske turant baad kuch bade PSU banks ne home loan rates me bhi sizable cut kiya:
Punjab National Bank (PNB) – apna RLLR cut karke 8.15% par set kiya .
Bank of Baroda (BoB) – lending rate naya 8.15% tak aaya hai .
Bank of India (BOI) aur Indian Bank – inhone bhi apne home loan rates 50 bps ghataye hain .
Daijiworld Media ki report ke mutabik:
> “Old home loan borrowers to gain more as Banks slash lending rates” — matlab naye loans ke saath-saath existing borrowers ke liye bhi EMI relief mil rahi hai .
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📉 EMI Me Kitni Bachat?
**₹1 crore ka home loan**, 20 saal ke tenure par: EMI kareeb ₹3,100–₹3,500 kam ho sakti hai har mahine .
Iska matlab, EMI jo pehle maan lo ₹71,000 hoti thi, ab woh ₹68,000–₹69,000 tak gir sakti hai .
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🏅 Kounse Banks Ne Sabse Pehle Cut Kiya?
PNB, BoB, BOI, Indian Bank – ye chaar PSU banks ne early June me repo rate cut ke baad turant lending rates ghataye .
HDFC Bank – ek private lender hai jo MCLR-based loans ke rates 10 bps ghataya, ab range 8.90–9.10% hai .
Canara Bank, UCO Bank – inhone bhi RLLR-based home loan rates 7.75%–8.15% tak adjust kiya .
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🎯 Why It Matters:
1. Borrowers ko relief – Existing aur new borrowers dono EMI me kam kharcha kar sakte hain.
2. Housing demand badhegi – Affordable loans se home buying mein aage boost aayega.
3. Economic momentum – RBI ka ye move credit growth ko stimulate karega, jo economic recovery ke liye important hai .
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✅ Aapko kya karna chahiye?
Apne bank se check karo: kya unhone aapka loan rate update kiya?
EMI me savings dekhke socho: kya aap EMI reduce karo ya loan tenure shorten?
Market me best current rate check karo—shayad lower rate mil sakta ho.