RBI Repo Rate News: Home Loan Stability in August 2026<\/title><br \/>\n<meta name=\"description\" content=\"The RBI has held the repo rate steady at 5.25% in August 2026. Find out what this means for your home loan EMIs and the real estate market in the festive season.\"><br \/>\n<meta name=\"keywords\" content=\"RBI repo rate, August 2026 policy, home loan EMI, real estate market trends, Hyderabad housing market, RBI news\">\n<link rel=\"canonical\" href=\"https:\/\/bigproperty.in\/blog\/rbi-repo-rate-august-2026\">\n<\/head><\/p>\n<p>In a move bringing immediate relief to existing and prospective homebuyers, the Reserve Bank of India (RBI) unanimously held the benchmark repo rate steady at <strong>5.25%<\/strong> on August 5, 2026. Marking the fourth consecutive policy pause, the Monetary Policy Committee (MPC) opted to retain its neutral stance ahead of the festive season, balancing steady economic growth against evolving global inflation risks.<\/p>\n<p>For the real estate sector, the decision guarantees short-term policy stability. Borrowers repaying floating-rate home loans linked to external benchmarks will not face an automatic EMI hike, providing much-needed predictability for household budgets.<\/p>\n<div class=\"tk-table-scroll\">\n<table class=\"tk-quick-facts\">\n<thead>\n<tr>\n<th>Detail<\/th>\n<th>Info<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>New Repo Rate<\/td>\n<td>5.25% (Unchanged)<\/td>\n<\/tr>\n<tr>\n<td>Policy Stance<\/td>\n<td>Neutral<\/td>\n<\/tr>\n<tr>\n<td>Standing Deposit Facility (SDF)<\/td>\n<td>5.00%<\/td>\n<\/tr>\n<tr>\n<td>MSF and Bank Rate<\/td>\n<td>5.50%<\/td>\n<\/tr>\n<tr>\n<td>FY2026-27 GDP Growth Forecast<\/td>\n<td>6.7% (Revised up from 6.6%)<\/td>\n<\/tr>\n<tr>\n<td>FY2026-27 CPI Inflation Forecast<\/td>\n<td>5.0% (Revised down from 5.1%)<\/td>\n<\/tr>\n<tr>\n<td>FY2026-27 Core Inflation Forecast<\/td>\n<td>4.3% (Revised down from 4.7%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Fourth_Consecutive_Pause_Keeps_Benchmark_Lending_Rates_Steady\"><\/span>Fourth Consecutive Pause Keeps Benchmark Lending Rates Steady<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The six-member Monetary Policy Committee voted unanimously to maintain the status quo on key rates this week. Under the announced operating framework, the Standing Deposit Facility (SDF) rate stays at 5%, while the Marginal Standing Facility (MSF) and the Bank Rate remain at 5.5%.<\/p>\n<p>According to RBI Governor Sanjay Malhotra, the decision followed a detailed assessment of evolving macroeconomic and financial conditions. The central bank noted that while global economic uncertainty persists, domestic growth remains resilient, allowing the MPC to maintain a neutral stance without needing to tighten monetary policy further.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stable_EMIs_for_Floating-Rate_Home_Loan_Borrowers\"><\/span>Stable EMIs for Floating-Rate Home Loan Borrowers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The immediate takeaway for the housing market is the removal of interest-rate anxiety. Existing borrowers holding floating-rate home loans tied to external benchmarks will not see an immediate, policy-driven increase in their monthly installments. While fixed-rate borrowers remain unaffected during their lock-in periods, those on floating plans can now budget for the rest of the year with greater certainty.<\/p>\n<p>Prospective buyers looking to invest during the upcoming festive season also benefit from this predictability. However, financial experts advise borrowers to review their specific loan documents, as actual EMIs ultimately depend on individual reset dates, lender spreads, and internal transmission practices.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Impact_on_Hyderabads_Festive_Season_Housing_Market\"><\/span>Impact on Hyderabad\u2019s Festive Season Housing Market<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While the RBI\u2019s mandate is national, the steady borrowing costs carry direct implications for regional real estate hubs like Hyderabad. Consistent interest rates are expected to encourage fence-sitting buyers to finalize their purchases ahead of the festive period, removing the fear of sudden loan cost escalations.<\/p>\n<p>Developers in the region also gain greater clarity for planning project launches and managing construction financing. Homebuyers exploring these new festive launches are encouraged to verify properties through the list of <a href=\"https:\/\/bigproperty.in\/blog\/telangana-rera-approved-projects\" target=\"_blank\" rel=\"noopener noreferrer\">Telangana RERA Approved Projects<\/a> to ensure compliance and secure their investments safely.<\/p>\n<blockquote class=\"tk-pullquote\">\n<p>“After a detailed assessment of the evolving macroeconomic and financial developments, as well as the outlook, the MPC decided unanimously to keep the policy repo rate unchanged at 5.25 percent.”<\/p>\n<\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Stronger_GDP_Outlook_Meets_Cooling_Inflation_Targets\"><\/span>Stronger GDP Outlook Meets Cooling Inflation Targets<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Alongside the rate pause, the RBI delivered optimistic macroeconomic revisions. The central bank raised its real GDP growth projection for FY2026-27 to 6.7%, up from the previous estimate of 6.6%. This reflects strong underlying economic momentum which historically supports real estate investments.<\/p>\n<p>Simultaneously, the RBI lowered its Consumer Price Index (CPI) inflation forecast to 5% from 5.1%, and reduced its full-year core inflation projection to 4.3% from 4.7%. These downward revisions suggest that inflationary pressures are easing, though the MPC continues to monitor domestic and global developments closely.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Watching_Global_Developments_Before_Future_Rate_Cuts\"><\/span>Watching Global Developments Before Future Rate Cuts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Despite the improved inflation outlook, Governor Malhotra emphasized that the MPC remains firmly focused on aligning inflation with its primary target. Analysts indicate that while a rate hike is currently off the table, the central bank will likely wait for more definitive evidence of sustained lower inflation, stable crude oil prices, and clearer geopolitical conditions before initiating any rate cuts.<\/p>\n<div class=\"tk-warning-box\">\n<h3>Reality Check<\/h3>\n<p>A rate pause means stability, not an automatic reduction in your monthly payments. Furthermore, stable rates do not equate to improved housing affordability. Recent industry data shows residential property prices are rising by about 7% annually. With affordable housing accounting for just 6% of new launches, price-sensitive buyers will still face tight market conditions despite the unchanged repo rate.<\/p>\n<\/div>\n<div class=\"tk-tip-box\">\n<h3>Analysis<\/h3>\n<p>Real estate executives view this decision as mildly supportive for the housing sector. The removal of immediate policy-driven borrowing risks provides critical planning certainty for both developers and buyers. Industry leaders expect this stability to sustain residential momentum in the second half of 2026, particularly driving sales in the mid-income and premium segments. However, with overall sales across top cities down 6% year-on-year in Q2 2026, the broader market requires more than just interest rate stability to trigger a massive demand surge.<\/p>\n<\/div>\n<div class=\"tk-faq-block\">\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>What is the RBI repo rate after the August 2026 policy meeting?<\/h3>\n<p>The repo rate remains 5.25% after the Monetary Policy Committee unanimously voted to keep it unchanged on August 5, 2026.<\/p>\n<h3>Will my home loan EMI change immediately?<\/h3>\n<p>Not because of this RBI decision alone. Floating-rate borrowers should generally see no immediate policy-driven change. However, your actual EMI depends on your specific loan benchmark, the next scheduled reset date, and your lender\u2019s commercial pricing.<\/p>\n<h3>Does the decision make home loans cheaper?<\/h3>\n<p>No immediate reduction follows from a rate pause. Borrowing costs will remain stable, though individual lenders may still revise their spreads or offer commercial festive discounts independently.<\/p>\n<h3>Will the rate pause increase housing demand?<\/h3>\n<p>It may support demand by improving the predictability of borrowing costs and encouraging delayed buyers to proceed, especially around the festive season. However, rising property prices continue to weigh heavily on overall affordability, limiting the benefit for budget-conscious buyers.<\/p>\n<h3>What are the other RBI policy rates?<\/h3>\n<p>The Standing Deposit Facility (SDF) rate is maintained at 5%, while both the Marginal Standing Facility (MSF) rate and the Bank Rate remain at 5.5%.<\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"mainEntity\": [\n {\n \"@type\": \"Question\",\n \"name\": \"What is the RBI repo rate after the August 2026 policy meeting?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"The repo rate remains 5.25% after the Monetary Policy Committee unanimously voted to keep it unchanged on August 5, 2026.\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"Will my home loan EMI change immediately?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"Not because of this RBI decision alone. 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However, rising property prices continue to weigh heavily on overall affordability, limiting the benefit for budget-conscious buyers.\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"What are the other RBI policy rates?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"The Standing Deposit Facility (SDF) rate is maintained at 5%, while both the Marginal Standing Facility (MSF) rate and the Bank Rate remain at 5.5%.\"\n }\n }\n ]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"NewsArticle\",\n \"headline\": \"RBI Holds Repo Rate at 5.25%: What Homebuyers Should Know\",\n \"datePublished\": \"2026-08-05T08:00:00+05:30\",\n \"author\": {\n \"@type\": \"Organization\",\n \"name\": \"BigProperty\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"BigProperty\"\n }\n}\n<\/script><\/p>\n<div class=\"tk-cta-block\">\n<h3>Stay Ahead on Hyderabad Real Estate<\/h3>\n<p>Get daily property news, price trends and verified listings.<\/p>\n<p>Follow us on <a href=\"https:\/\/wa.me\/919000056756\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp<\/a> or download the <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=bigproperty.in&pcampaignid=web_share\" target=\"_blank\" rel=\"noopener noreferrer\">BigProperty App<\/a> for instant alerts.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>RBI maintains the repo rate at 5.25% in August 2026. Discover how this 4th consecutive pause impacts home loan EMIs, housing demand, and property buyers.<\/p>\n","protected":false},"author":1,"featured_media":20538,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-20539","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latest-news-update"},"yoast_head":"\n<title>RBI Holds Repo Rate at 5.25%: What Homebuyers Should Know<\/title>\n<meta name=\"description\" content=\"RBI maintains the repo rate at 5.25% in August 2026. 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Table of Contents<\/p>\nToggle<\/span>

Fourth Consecutive Pause Keeps Benchmark Lending Rates Steady<\/a><\/li>
Stable EMIs for Floating-Rate Home Loan Borrowers<\/a><\/li>
Impact on Hyderabad\u2019s Festive Season Housing Market<\/a><\/li>
Stronger GDP Outlook Meets Cooling Inflation Targets<\/a><\/li>
Watching Global Developments Before Future Rate Cuts<\/a><\/li>
Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n

\nRBI Repo Rate News: Home Loan Stability in August 2026<\/title><br \/>\n<meta name=\"description\" content=\"The RBI has held the repo rate steady at 5.25% in August 2026. Find out what this means for your home loan EMIs and the real estate market in the festive season.\"><br \/>\n<meta name=\"keywords\" content=\"RBI repo rate, August 2026 policy, home loan EMI, real estate market trends, Hyderabad housing market, RBI news\">\n<link rel=\"canonical\" href=\"https:\/\/bigproperty.in\/blog\/rbi-repo-rate-august-2026\">\n<\/head><\/p>\n<p>In a move bringing immediate relief to existing and prospective homebuyers, the Reserve Bank of India (RBI) unanimously held the benchmark repo rate steady at <strong>5.25%<\/strong> on August 5, 2026. Marking the fourth consecutive policy pause, the Monetary Policy Committee (MPC) opted to retain its neutral stance ahead of the festive season, balancing steady economic growth against evolving global inflation risks.<\/p>\n<p>For the real estate sector, the decision guarantees short-term policy stability. Borrowers repaying floating-rate home loans linked to external benchmarks will not face an automatic EMI hike, providing much-needed predictability for household budgets.<\/p>\n<div class=\"tk-table-scroll\">\n<table class=\"tk-quick-facts\">\n<thead>\n<tr>\n<th>Detail<\/th>\n<th>Info<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>New Repo Rate<\/td>\n<td>5.25% (Unchanged)<\/td>\n<\/tr>\n<tr>\n<td>Policy Stance<\/td>\n<td>Neutral<\/td>\n<\/tr>\n<tr>\n<td>Standing Deposit Facility (SDF)<\/td>\n<td>5.00%<\/td>\n<\/tr>\n<tr>\n<td>MSF and Bank Rate<\/td>\n<td>5.50%<\/td>\n<\/tr>\n<tr>\n<td>FY2026-27 GDP Growth Forecast<\/td>\n<td>6.7% (Revised up from 6.6%)<\/td>\n<\/tr>\n<tr>\n<td>FY2026-27 CPI Inflation Forecast<\/td>\n<td>5.0% (Revised down from 5.1%)<\/td>\n<\/tr>\n<tr>\n<td>FY2026-27 Core Inflation Forecast<\/td>\n<td>4.3% (Revised down from 4.7%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Fourth_Consecutive_Pause_Keeps_Benchmark_Lending_Rates_Steady\"><\/span>Fourth Consecutive Pause Keeps Benchmark Lending Rates Steady<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The six-member Monetary Policy Committee voted unanimously to maintain the status quo on key rates this week. Under the announced operating framework, the Standing Deposit Facility (SDF) rate stays at 5%, while the Marginal Standing Facility (MSF) and the Bank Rate remain at 5.5%.<\/p>\n<p>According to RBI Governor Sanjay Malhotra, the decision followed a detailed assessment of evolving macroeconomic and financial conditions. The central bank noted that while global economic uncertainty persists, domestic growth remains resilient, allowing the MPC to maintain a neutral stance without needing to tighten monetary policy further.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stable_EMIs_for_Floating-Rate_Home_Loan_Borrowers\"><\/span>Stable EMIs for Floating-Rate Home Loan Borrowers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The immediate takeaway for the housing market is the removal of interest-rate anxiety. Existing borrowers holding floating-rate home loans tied to external benchmarks will not see an immediate, policy-driven increase in their monthly installments. While fixed-rate borrowers remain unaffected during their lock-in periods, those on floating plans can now budget for the rest of the year with greater certainty.<\/p>\n<p>Prospective buyers looking to invest during the upcoming festive season also benefit from this predictability. However, financial experts advise borrowers to review their specific loan documents, as actual EMIs ultimately depend on individual reset dates, lender spreads, and internal transmission practices.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Impact_on_Hyderabads_Festive_Season_Housing_Market\"><\/span>Impact on Hyderabad\u2019s Festive Season Housing Market<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While the RBI\u2019s mandate is national, the steady borrowing costs carry direct implications for regional real estate hubs like Hyderabad. Consistent interest rates are expected to encourage fence-sitting buyers to finalize their purchases ahead of the festive period, removing the fear of sudden loan cost escalations.<\/p>\n<p>Developers in the region also gain greater clarity for planning project launches and managing construction financing. Homebuyers exploring these new festive launches are encouraged to verify properties through the list of <a href=\"https:\/\/bigproperty.in\/blog\/telangana-rera-approved-projects\" target=\"_blank\" rel=\"noopener noreferrer\">Telangana RERA Approved Projects<\/a> to ensure compliance and secure their investments safely.<\/p>\n<blockquote class=\"tk-pullquote\">\n<p>“After a detailed assessment of the evolving macroeconomic and financial developments, as well as the outlook, the MPC decided unanimously to keep the policy repo rate unchanged at 5.25 percent.”<\/p>\n<\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Stronger_GDP_Outlook_Meets_Cooling_Inflation_Targets\"><\/span>Stronger GDP Outlook Meets Cooling Inflation Targets<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Alongside the rate pause, the RBI delivered optimistic macroeconomic revisions. The central bank raised its real GDP growth projection for FY2026-27 to 6.7%, up from the previous estimate of 6.6%. This reflects strong underlying economic momentum which historically supports real estate investments.<\/p>\n<p>Simultaneously, the RBI lowered its Consumer Price Index (CPI) inflation forecast to 5% from 5.1%, and reduced its full-year core inflation projection to 4.3% from 4.7%. These downward revisions suggest that inflationary pressures are easing, though the MPC continues to monitor domestic and global developments closely.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Watching_Global_Developments_Before_Future_Rate_Cuts\"><\/span>Watching Global Developments Before Future Rate Cuts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Despite the improved inflation outlook, Governor Malhotra emphasized that the MPC remains firmly focused on aligning inflation with its primary target. Analysts indicate that while a rate hike is currently off the table, the central bank will likely wait for more definitive evidence of sustained lower inflation, stable crude oil prices, and clearer geopolitical conditions before initiating any rate cuts.<\/p>\n<div class=\"tk-warning-box\">\n<h3>Reality Check<\/h3>\n<p>A rate pause means stability, not an automatic reduction in your monthly payments. Furthermore, stable rates do not equate to improved housing affordability. Recent industry data shows residential property prices are rising by about 7% annually. With affordable housing accounting for just 6% of new launches, price-sensitive buyers will still face tight market conditions despite the unchanged repo rate.<\/p>\n<\/div>\n<div class=\"tk-tip-box\">\n<h3>Analysis<\/h3>\n<p>Real estate executives view this decision as mildly supportive for the housing sector. The removal of immediate policy-driven borrowing risks provides critical planning certainty for both developers and buyers. Industry leaders expect this stability to sustain residential momentum in the second half of 2026, particularly driving sales in the mid-income and premium segments. However, with overall sales across top cities down 6% year-on-year in Q2 2026, the broader market requires more than just interest rate stability to trigger a massive demand surge.<\/p>\n<\/div>\n<div class=\"tk-faq-block\">\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>What is the RBI repo rate after the August 2026 policy meeting?<\/h3>\n<p>The repo rate remains 5.25% after the Monetary Policy Committee unanimously voted to keep it unchanged on August 5, 2026.<\/p>\n<h3>Will my home loan EMI change immediately?<\/h3>\n<p>Not because of this RBI decision alone. Floating-rate borrowers should generally see no immediate policy-driven change. However, your actual EMI depends on your specific loan benchmark, the next scheduled reset date, and your lender\u2019s commercial pricing.<\/p>\n<h3>Does the decision make home loans cheaper?<\/h3>\n<p>No immediate reduction follows from a rate pause. Borrowing costs will remain stable, though individual lenders may still revise their spreads or offer commercial festive discounts independently.<\/p>\n<h3>Will the rate pause increase housing demand?<\/h3>\n<p>It may support demand by improving the predictability of borrowing costs and encouraging delayed buyers to proceed, especially around the festive season. However, rising property prices continue to weigh heavily on overall affordability, limiting the benefit for budget-conscious buyers.<\/p>\n<h3>What are the other RBI policy rates?<\/h3>\n<p>The Standing Deposit Facility (SDF) rate is maintained at 5%, while both the Marginal Standing Facility (MSF) rate and the Bank Rate remain at 5.5%.<\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"mainEntity\": [\n {\n \"@type\": \"Question\",\n \"name\": \"What is the RBI repo rate after the August 2026 policy meeting?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"The repo rate remains 5.25% after the Monetary Policy Committee unanimously voted to keep it unchanged on August 5, 2026.\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"Will my home loan EMI change immediately?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"Not because of this RBI decision alone. 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However, rising property prices continue to weigh heavily on overall affordability, limiting the benefit for budget-conscious buyers.\"\n }\n },\n {\n \"@type\": \"Question\",\n \"name\": \"What are the other RBI policy rates?\",\n \"acceptedAnswer\": {\n \"@type\": \"Answer\",\n \"text\": \"The Standing Deposit Facility (SDF) rate is maintained at 5%, while both the Marginal Standing Facility (MSF) rate and the Bank Rate remain at 5.5%.\"\n }\n }\n ]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"NewsArticle\",\n \"headline\": \"RBI Holds Repo Rate at 5.25%: What Homebuyers Should Know\",\n \"datePublished\": \"2026-08-05T08:00:00+05:30\",\n \"author\": {\n \"@type\": \"Organization\",\n \"name\": \"BigProperty\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"BigProperty\"\n }\n}\n<\/script><\/p>\n<div class=\"tk-cta-block\">\n<h3>Stay Ahead on Hyderabad Real Estate<\/h3>\n<p>Get daily property news, price trends and verified listings.<\/p>\n<p>Follow us on <a href=\"https:\/\/wa.me\/919000056756\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp<\/a> or download the <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=bigproperty.in&pcampaignid=web_share\" target=\"_blank\" rel=\"noopener noreferrer\">BigProperty App<\/a> for instant alerts.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>RBI maintains the repo rate at 5.25% in August 2026. 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