Repo Rate Gira, EMI Kyun Nahi? 🤯 MCLR vs Repo Explained #oolka #creditworthy #reporatecut

RBI ne repo rate cut kiya, lekin aapki home loan EMI abhi tak kam nahi hui? Most likely aapka loan repo-linked nahi, MCLR-linked hai—aur MCLR late react karta hai. Is video mein simple words mein samjho ki MCLR vs Repo ka difference kya hai, EMI kyun “same” hai, aur EMI kaise real mein kam kar sakte ho.

What you’ll learn

MCLR vs Repo: Kaunsa fast pass-through karta hai & kyun

EMI kyun turant kam nahi hoti (MCLR lag)

Switch kaise karein: MCLR → Repo-linked

Refinance / Balance Transfer kab faydemand hota hai (even –1% = lakhs saved)

Do this now (step-by-step)

Check linkage: Bank ko call karke puchho — mera loan Repo-linked hai ya MCLR?

Reset date jaan lo: Next rate reset kab hoga? (repo-linked = faster; MCLR = lag)

Switch request: Repo-linking ke liye request karo; processing/switch fee pucho & savings compare karo.

Balance transfer: Agar bank zidd kare ya rate high ho, cheaper repo-linked lender par transfer karo. (Floating loans par prepayment penalty usually nil—confirm once.)

Post-switch: Autodebit + reminders set karo; utilization aur credit hygiene maintain rakho.

Pro tips

Difference 0.75–1.00% ho to refinance/switch usually worth it (fees include processing, legal, valuation).

Existing bank se rate negotiation bhi try karo—often they match to retain you.

Tenure ko chhota rakhna long-term interest me bada fayda deta hai.

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#HomeLoan #RepoRate #MCLR #EMIReduction #Refinance #BalanceTransfer #InterestRates #PersonalFinance #India #LoanHacks #Oolka

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Видео Repo Rate Gira, EMI Kyun Nahi? 🤯 MCLR vs Repo Explained #oolka #creditworthy #reporatecut канала Oolka - AI Credit Score LevelUp