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Home Loans

Why is a floating rate better than a fixed rate loan in today's times?

The RBI has hiked interest rates each month of the last 13 months. It has finally signalled that it will soon pause this, and interest rates may even start coming down very soon. Interest rates are already very high. In case you take a fixed rate loan, you will caught at this high interest rate for the rest of the loan tenure. On the other hand if you take a floating rate loan, the interest rate of the loan will move with the market rate of interest.

So once interest rates start coming down, your loan rate will also come down. That is why it makes sense to take a floating rate loan in today's times of high interest.


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