After RBI Repo Rate Hike, Home Loan Borrowers Weigh Higher EMI Versus Longer Tenure

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Following a rise in the RBI repo rate, many home loan borrowers face the choice of how to adjust their repayments. Paying a higher EMI can lower the total interest paid over the loan's life. Extending the loan tenure, by contrast, can reduce pressure on monthly cash flow. The article frames the decision as a trade-off between long-term interest savings and short-term affordability. It does not prescribe a single answer, since the right choice depends on each borrower's finances.

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