Whenever the Reserve Bank of India (RBI) lowers the repo rate, it brings relief to borrowers whose home loans are tied to this rate. After the central bank cut the repo rate by 25 bps today (Friday, December 5, 2025), these borrowers can look forward to a cut in their home loan interest rates soon. Borrowers with loans linked to External Benchmark Lending Rate (EBLR) will see the quickest relief, while those with loans tied to the Marginal Cost of Funds based Lending Rate (MCLR) and Repo Linked Lending Rate (RLLR) will get it a bit later.