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Switch from MCLR to repo rate loan now

Financial Express Lucknow

June 14, 2025

My home loan is linked to MCLR, which I took in 2014. As the repo rate has fallen by 100 basis points since February, is it better to switch to a repo-linked loan?

—Amit Bapna

Yes, we are in a soft interest rate regime. The switch to a repo rate loan will be beneficial to you. Your service provider should be able to make this switch. There may be charges involved in this change. Find out the full financial implications before signing the papers.

I wish to take a loan for house construction on the land owned by my mother. Can she apply for the loan? Can I be the co-borrower?

—Subham Kumar

यह कहानी Financial Express Lucknow के June 14, 2025 संस्करण से ली गई है।

हजारों चुनिंदा प्रीमियम कहानियों और 10,000 से अधिक पत्रिकाओं और समाचार पत्रों तक पहुंचने के लिए मैगज़्टर गोल्ड की सदस्यता लें।

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