Good news for homebuyers!
LIC Housing Finance has reduced interest rates on new home loans to
7.15%, effective
22 december 2025. Here’s what you need to know.
1. CIBIL Score Matters More Than Ever
· home loan rates are now closely linked to your
CIBIL credit score.· Borrowers with
high credit scores can enjoy
lower interest rates, saving significant money over the loan tenure.
2. Reason for the Rate Cut
· Triggered by the
RBI’s recent repo rate cut, making borrowing cheaper.· lic Housing Finance aims to
boost home loan affordability for eligible borrowers.
3. Who Benefits the Most?
·
First-time homebuyers with a strong credit history· Borrowers looking for
long-term home loans· Those who maintain
good repayment behavior4. How to Ensure a Lower Rate
· Maintain a
high CIBIL score (750+ recommended)· Pay off
existing loans on time· Avoid frequent
credit inquiries or defaults
5. Impact on Borrowers
· Lower
EMIs and interest burden· Increased
loan affordability for middle-income families· Encourages
responsible credit behavior✅ Final Takeaway
If you’re planning a home loan, now is the
perfect time to apply. With lic Housing Finance lowering rates to
7.15% and CIBIL scores determining the best rates,
financial planning and good credit history can save you lakhs over your loan tenure.
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