RBI Maintains Repo Rate: Affordability Concerns Persist Amid Strong Housing Demand

By – Ashish Kukreja, CEO and Founder of Homesfy.in and mymagnet.io

“The decision to hold the repo rate keeps borrowing costs unchanged at a time when many homebuyers, particularly in the affordable and mid-income segments, were hoping for some relief. A rate cut would have directly supported housing affordability, especially in markets where buyers are sensitive to even minor changes in EMIs.

Despite the pause, underlying demand remains strong. This is being driven by stable incomes, improving consumer sentiment, and continued traction in Tier 1 and emerging Tier 2 cities. The residential market is currently at a stage where even modest policy interventions can influence momentum. We hope housing affordability continues to remain a focus in the RBI’s upcoming reviews.”