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Mr. Rakesh Reddy, Director, Aparna Constructions shares insights with RealtynInfra on what type of loan terms are best for affordable housing buyers after the repo rate cut.

Following the RBI’s 50 basis point repo rate cut to 5.5% in June 2025, affordable housing buyers are weighing the pros and cons of floating vs fixed rate loans. Floating rates, linked to the repo rate, can offer lower EMIs amid a falling rate cycle, while fixed rates provide predictable payments. With interest rates expected to decline further, floating loans may offer better value, especially for long tenures. Hybrid loans offer initial stability and later flexibility. Affordable housing buyers should assess income stability, loan tenure, and repayment plans before choosing.

Link: https://realtyninfra.in/floating-vs-fixed-rate-home-loans-what-affordable-housing-buyers-should-plan-after-the-repo-rate-cut/

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Floating vs Fixed Rate Home Loans: Making the Right Choice After the Repo Rate Cut