With inflation easing and the RBI expected to cut repo rates in upcoming policy reviews, homebuyers across India are asking:
👉 Should I refinance my home loan now or wait?
If you’re paying a high EMI on your existing home loan, refinancing at a lower rate can save you thousands—maybe even lakhs—over the loan’s lifetime.
But timing is everything.
Here’s how to assess whether refinancing is right for you in 2025, and how Vizzve Finance can guide you through it.
Why Home Loan Rates May Fall in 2025
Global inflation cooling → central banks loosening policy
RBI paused rate hikes in 2024 and may cut repo rate soon
Lower repo = banks pass on rate cuts → home loans get cheaper
If you took your home loan between 2020–2023 at 8%+, a future drop to 6.5–7% could unlock major savings.
Should You Refinance Now?
Here’s a quick decision matrix:
| Your Current Rate | Remaining Tenure | Consider Refinance? |
|---|---|---|
| Above 8% | 10+ years | ✅ Yes – major savings |
| 7–8% | 15+ years | 🟡 Wait or negotiate |
| Below 7% | 5–10 years | ❌ Not worth switching |
Also check:
Processing fees from new lenders
Foreclosure penalty on current loan
New documentation or eligibility hurdles
How Vizzve Finance Helps You Refinance Right
Vizzve isn’t just about instant loans—it’s about smart financial decisions.
Here’s how Vizzve supports your refinancing journey: EMI Comparison Tools
Easily compare your existing EMI vs. refinanced EMI
Calculate break-even point for cost recovery
Personalized Offers
Based on your income, property, and credit score
Get better terms if you're a low-risk borrower
Paperwork Help
Assistance with switching lenders
Support with document checklist & application
100% Digital Process
Apply, upload, and track everything on the Vizzve app
Real-time notifications, transparent approval process
FAQs
Q1: Does Vizzve offer home loan refinancing directly?
We work with partner banks/NBFCs and help you find the best match for your profile, at the best rates.
Q2: How long does refinancing usually take?
With Vizzve’s digital platform, pre-approval and matching can take just 2–3 working days.
Q3: Will refinancing hurt my credit score?
Done correctly and with timely repayments, it can actually improve your score in the long run.
Final Thought: Timing + Tools = Smart Refinancing
Refinancing isn’t just about a lower rate—it’s about net savings, convenience, and long-term benefits.
With Vizzve Finance, you get:
✅ Intelligent guidance
✅ Low-friction applications
✅ The right refinance offer at the right time
📲 Don’t wait for the next rate cut to pass you by.
Explore refinancing on the Vizzve app today.
Published on : 4th July
Published by : SMITA
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