Whalesbook
RBI ke Monetary Policy Committee ne 8 April ko final decision liya ki repo rate ko 5.25% par hi rakha jaye. Ye hold last rate cuts ke baad se hi chal raha hai, jisse yahi lag raha hai ki EMIs mein abhi zyada badlav nahi aayega, jab tak economic conditions ya policy mein koi bada change na ho.
Ab agar tum naya loan lena chahte ho ya refinance karna chahte ho, toh lenders ke rates compare karna bahut zaroori hai. Public sector banks mein Bank of India 7.10% se shuru kar raha hai, Union Bank of India 7.15% se. PNB 7.30% se aur SBI aur Canara Bank 7.25% se rates de rahe hain.
Private banks bhi peeche nahi hain. Kotak Mahindra, ICICI, aur HSBC 7.45% se shuru kar rahe hain. HDFC Bank 7.70% se aur Axis Bank 11.90% tak jaa sakta hai. Bandhan Bank 8.41% se rates offer kar raha hai.
Housing Finance Companies (HFCs) bhi compete kar rahi hain. LIC Housing Finance aur Bajaj Housing Finance 7.15% se rates de rahe hain. Tata Capital aur PNB Housing Finance 7.50% se, GIC Housing Finance 8.20% se aur SMFG India Home Finance 10.00% se start kar rahe hain.
Ek aur important baat, agar tumhara credit score 800 ya usse upar hai, toh tumhe sabse acche rates milne ke chances zyada hain. Aur bhai, final rate tumhare employment status par bhi depend kar sakta hai, chahe tum salaried ho ya self-employed.