# @financewizardcl on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DdbhYTMJ0Hj
- **Gondola URL:** https://gondola.cc/posts/70764697-financewizardcl-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/afc7609e44.jpg
- **Posted:** 2026-09-18T13:18:09.000+00:00
- **Account Owner:** Chandralekha Mittemari Ravikumar (@financewizardcl) — https://gondola.cc/financewizardcl

## Caption

If you have a home loan, this US decision could affect you in India.

On September 17th, the US Fed raised rates by 25 basis points to 3.75%–4%, its first hike since 2023. That could strengthen the dollar and put pressure on the rupee, making India’s dollar-priced crude imports costlier.

This may keep the RBI cautious, but it does not guarantee that your home-loan rate will stay unchanged.

If you have a floating-rate loan, review your statement and consider prepaying from surplus funds. As an example, prepaying ₹5 lakh on an 8.5% loan could save roughly ₹42,500 in first-year interest, depending on your loan details.

#homeloan #money #personalfinance #fed #rbi

## Stats

- **Views:** 79,461
- **Likes:** 3
- **Shares:** 0
- **Comments:** 3

## Tags

personalfinance, money, homeloan, fed, rbi

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