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Money check-up: where do you stand, and what comes first?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Type your numbers once. Get a plain verdict and the order to tackle things, with the amounts.

A rules-based guide, not personal advice. Rates and limits change; check them before you act.

Common questions

What does the money check-up do?

It takes your pay, costs, debts and savings and gives a verdict and an ordered list of what to do first.

Is it advice?

No. It is a rules-based guide. Check rates and limits before you act.