By Admin 
If you are also dreaming of buying a house then 2025 can be a good time for you. Buying houses in most big cities of the country has now become easier to buy houses due to cuts in RBI’s interest rates and rising income. According to Night Frank India’s H1 2025 report, Ahmedabad, Pune and Kolkata have emerged as the most affordable housing markets in the first 6 months of this year.
Relief on EMI due to RBI deduction
The Reserve Bank has cut the repo rate by 100 basis points (1%) since February 2025. This has reduced the EMI of home loan and the financial burden on those who buy the house has reduced. The direct effect of this was that Affordability has now become much better, especially in 8 major cities.
Which city is the cheapest?
According to the report of Knight Frank, Ahmedabad has become the cheapest city, where a common family has to spend only 18 percent of its income to repay EMI. In Pune, this figure is 22 percent and Kolkata is 23 percent. On the other hand, Mumbai is still the most expensive city, but in the first half of 2025, its affordability index has come down from 50 per cent to 48 per cent, which has come down to this extent for the first time.
Buying a house a little expensive in NCR
While the economy increased in the rest of the cities, buying a house in Delhi-NCR became a little expensive. Here Affordability Ratio has increased from 27 percent to 28 percent. The reason for this is that real estate prices in NCR have increased very fast, which was heavy on the relief of interest rate.
Why does this report matters?
Night Frank’s affordability index tells how much an average family will have to give in EMI to buy a house in a city. It directly states whether it is easy to buy a house there or not. According to Shishir Baijal, chairman of Knight Frank India, “As the income of people is increasing and the economy is getting stronger, they are getting more ready to buy long-term investments such as long-term investments. RBI’s 6.5 % GDP growth expected and interest rates will maintain housing demand in 2025.”
Would it be easy to buy a house ahead?
RBI’s neutral stance and recent CRR cuts have increased liquidity in banking systems. This will make it easier to take loans, interest rates will remain below and will become economical and become economical. This time to buy a house is probably considered to be the right time after epidemic.
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