SBI PNB Home Loan: देश में होम लोन ग्राहकों के लिए बड़ी राहत की खबर है. भारतीय रिजर्व बैंक (RBI) द्वारा हाल ही में रेपो रेट (Repo Rate) में 25 बेसिस पॉइंट (bps) की कटौती के बाद देश के दो बड़े सरकारी बैंक – SBI और PNB ने होम लोन की ब्याज दरें घटाकर ग्राहकों को बड़ी राहत दी है. बैंकों के इस फैसले से होम लोन लेना अब पहले से सस्ता हो जाएगा. इससे आपकी EMI भी कम होगी और अपने सपनों का घर खरीदना और आसान बन जाएगा.
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NewsTranscript
00:00There is great relief for home loan customers in the country.
00:07Recently, after a cut of 25 basis points in the repo rate by the Indian Reserve Bank,
00:13two major government banks of the country, SBI and PNB, have given great relief to customers by reducing the interest rates of home loans.
00:21With this decision by the banks, it will be cheaper for you to take a home loan and your EMI will also be reduced and it will be easier for you to buy the house of your dreams.
00:31So let's tell you the details of this news in this video.
00:34The State Bank of India has cut 25 basis points in its home loan interest rate, which has made the new rates 8.25%.
00:43These new rates have been implemented since February 15, 2025.
00:46SBI has also cut external benchmark-based lending rates i.e. EBLR and repo-linked lending rates i.e. RLLR.
00:56The PNB has cut 0.25% interest rates on home loan and vehicle loan, including retail loan.
01:04And the new rates have been implemented since February 10.
01:07The EMI of the home loan will now be reduced if the interest rates of the State Bank of India and the PNB are reduced.
01:13And we will tell you how much benefit you will get from this.
01:17If you take a home loan of Rs 50 lakh for 20 years, then there can be changes in the EMI.
01:22SBI's old interest rate was 8.50% and the EMI was Rs 43,391.
01:29The total interest payment was Rs 54,13,889 and the total payment was Rs 1,04,13,889.
01:38If we talk about the new interest rates, then this interest rate has become 8.25%.
01:43Accordingly, the EMI will be of Rs 42,603.
01:47The total interest payment is Rs 52,24,788 and the total payment is Rs 1,02,24,788.
01:54In this way, you will save around Rs 788 in EMI every month.
01:59The PNB has also announced a reduction of up to 25 basis points in interest rates on home loans and other retail loans.
02:06Earlier, the home loan rates of the bank were 8.40%, which has now reduced to 8.15%.
02:13The EMI of the home loan duration of Rs 50 lakh for 20 years on the old interest rate was Rs 43,075 per month.
02:22The total interest was Rs 53,38,054.
02:26With interest, the total amount was Rs 1,03,38,054.
02:33So, in this way, your EMI has reduced on home loans.
02:36So, what is your opinion on this news?
02:38Give us your opinion in the comment box and keep watching Good Returns for such updates.
02:42Don't forget to like and subscribe to our channel.
02:52Thank you for watching it.