India, April 8 -- The Reserve Bank of India's (RBI) Monetary Policy Committee on April 8 kept the repo rate unchanged at 5.25%, signalling stability for current and prospective home loan borrowers. With EMIs set to remain steady, borrowers can plan their finances with greater certainty.

Real estate experts advise existing home loan borrowers to maintain a 6-9 month EMI buffer to navigate potential uncertainties. Prospective buyers should ensure EMIs remain within 30-40% of their monthly income to maintain financial stability.

Borrowers with repo-linked loans are already benefiting from the 125 basis points rate cuts since early 2025. On a Rs.50 lakh, 20-year loan, this translates to an EMI reduction of about Rs.3,050 per month and total...