The Reserve Bank of India has kept the repo rate unchanged at 5.50% in October 2025, ensuring EMI stability for existing home loan borrowers while creating strategic opportunities for new applicants seeking competitive financing options.

Complete guide to home loan balance transfer in India. Learn how to switch banks, reduce EMIs, save on interest rates, and get better loan terms. Step-by-step process with cost-benefit analysis included.

Understand the Loan-to-Value (LTV) ratio, how it affects home loan approvals, interest rates, EMIs, and mortgage insurance (PMI). Learn smart ways to lower your LTV and secure the best loan deals. Use our LTV calculator to check your eligibility today!