Repo rate hike: Developers watch cautiously, home buyers to pay more
1 year, 10 months ago

Repo rate hike: Developers watch cautiously, home buyers to pay more

Hindustan Times  

The Reserve Bank of India’s sixth consecutive hike in repo rate on Wednesday has made the real estate industry cautious that it may hit the housing demand and at the same time has left home buyers worried about the rising home loan EMIs. Shishir Baijal, CMD, Knight Frank India, said since the rate hike cycle began in May 2022, RBI had increased its repo rate by 250 basis points and about 60% of the hike, so far, had transmitted into the lending rates while the borrowing costs had significantly increased across the product categories. The impact of home loan interest rate hike will be highly deterrent in the affordable housing segment as it will impact the price sensitive homebuyers and fatigue the supply of the developers. For home buyers like Praveen Bohra, 34, a synthetic rexine trader from Chembur, the interest rate hike has resulted in a steep rise in EMI.

Impact Home Buyers Hike Rate Rbi Buyers Emi Rate Hike Loan Interest Repo Repo Rate  watch  repo  increased  growth  rate  loan  interest  rbi  impact  developers  cautiously  hike  pay  buyers

History of this topic

RBI MPC: Homebuyers may have to wait till 2025 for EMI relief
2 weeks, 3 days ago

RBI MPC: Homebuyers may have to wait till 2025 for EMI relief

India Today  

The Reserve Bank of India has decided to keep the key repo rate unchanged at 6.5% during its latest monetary policy review, held on Friday. MPC is committed to restoring inflation-growth balance in the interest of the economy.” IMPACT ON HOME LOANS The unchanged repo rate means that banks are unlikely to make any changes to their lending rates. Dr …

RBI keeps interest rate unchanged; home loan borrowers may have to wait till 2025 for EMI relief
2 weeks, 3 days ago

RBI keeps interest rate unchanged; home loan borrowers may have to wait till 2025 for EMI relief

Hindustan Times  

The Reserve Bank of India's decision to keep its benchmark interest rate unchanged at 6.5% for the 11th consecutive time citing continued inflationary pressures means stable EMIs for homebuyers amidst rising housing prices. RBI Monetary Policy: The Reserve Bank of India's decision to keep its benchmark interest rate unchanged at 6.5% for the 11th consecutive time citing continued inflationary pressures …

Stable interest rates to bring predictability for homebuyers and developers: Real Estate Industry
2 weeks, 4 days ago

Stable interest rates to bring predictability for homebuyers and developers: Real Estate Industry

New Indian Express  

NEW DELHI: The real estate industry players and other stakeholders have largely welcomed the Reserve Bank of India's decision to maintain the repo rate at 6.5 per cent, adding that the stability in the policy rate will promote market confidence by giving developers and homeowners. On Friday, RBIs MPC decided to keep the repo rate unchanged at 6.5 per cent …

RBI keeps repo rate steady: Will there be any impact on your home loan EMIs
4 months, 2 weeks ago

RBI keeps repo rate steady: Will there be any impact on your home loan EMIs

Hindustan Times  

The Reserve Bank of India kept repo rate steady at 6.5 percent for the ninth time in a row in its Monetary Policy Committee review. This year, HDFC Bank increased home loan rates for new borrowers by 40 basis points despite repo rates being steady. For HDFC Bank, the lowest interest rate on a ₹50-lakh home loan was 8.35 per …

RBI keeps repo rate unchanged at 6.5%: What MPC policy means for home buyers
6 months, 2 weeks ago

RBI keeps repo rate unchanged at 6.5%: What MPC policy means for home buyers

Live Mint  

RBI keeps repo rate unchanged at 6.5%: The Reserve Bank of India's decision to retain the repo rate at 6.5% for the eighth consecutive time ensures economic stability amid global uncertainty and domestic inflation concerns. {{^adFree}} {{/adFree}} "This stability supports the real estate market, making housing more affordable and boosting consumer confidence. With GDP growth projected at 7% in FY25 …

RBI Monetary Policy 2024: Stability in interest rates to benefit homebuyers; boost housing sales
8 months, 2 weeks ago

RBI Monetary Policy 2024: Stability in interest rates to benefit homebuyers; boost housing sales

Hindustan Times  

As expected, the Reserve Bank of India on April 5 once again kept the repo rate unchanged at 6.5 per cent. RBI MPC: Reserve Bank of India's decision to keep repo rates unchanged offers a sense of continuity and predictability to the real estate sector. It is also expected to significantly boost overall market sentiment, pushing residential sales in the …

RBI repo rate decision: What will be impact on home loan EMIs
8 months, 2 weeks ago

RBI repo rate decision: What will be impact on home loan EMIs

Hindustan Times  

The Reserve Bank of India kept the repo rate steady at 6.5 percent for the seventh time in a row. This means that your home loan interest burden and equated monthly installments will remain unchanged for now. RBI repo rate decision: This means that your home loan interest burden and equated monthly installments will remain unchanged for now. Looking ahead, …

Real estate sector welcomes RBI’s decision to keep repo rates unchanged at 6.5%
10 months, 2 weeks ago

Real estate sector welcomes RBI’s decision to keep repo rates unchanged at 6.5%

Hindustan Times  

The real estate sector has welcomed the Reserve Bank of India’s decision to keep the repo rates unchanged at 6.5%, saying given that housing prices have risen across most cities in the last one year, this breather by the apex bank gives a distinct advantage to homebuyers as it allows them to continue enjoying low interest rates and improves their …

RBI MPC Decisions: Here's What India's Middle Class Needs To Know
1 year, 2 months ago

RBI MPC Decisions: Here's What India's Middle Class Needs To Know

News 18  

The Reserve Bank of India on Friday decided to keep the policy rate unchanged for the fourth time in a row as it maintains a tight vigil on inflation. Announcing the bi-monthly monetary policy, RBI Governor Shaktikanta Das said the Monetary Policy Committee unanimously decided to keep the repo rate unchanged at 6.5 per cent. According to him, the growth …

RBI Keeps Repo Rate Unchanged: What It Means For Your Home Loan?
1 year, 2 months ago

RBI Keeps Repo Rate Unchanged: What It Means For Your Home Loan?

News 18  

RBI MPC Meeting October 2023: Reserve Bank of India on Friday kept the report rate unchanged as was expected from many quarters of the industry. Announcing the decision, RBI Governor Shaktikanta Das said that the monetary policy committee decided to keep the repo rate unchanged at 6.5 per cent unanimously. Overall, we believe that this momentum is projected to persist …

How RBI policy outcome will impact home loan borrowers explained
1 year, 4 months ago

How RBI policy outcome will impact home loan borrowers explained

Live Mint  

The Reserve Bank of India has released a key proposal with the goal of improving both the flexibility and transparency of rates of interest on variable-rate loans. The framework will require Regulated Entities to clearly communicate with borrowers for resetting the tenor and/or EMI; provide options for switching to fixed-rate loans or foreclosure of loans; disclose various charges incidental to …

RBI Holds Interest Rate Hike Again; Home Buyers Set To Get Relief
1 year, 6 months ago

RBI Holds Interest Rate Hike Again; Home Buyers Set To Get Relief

News 18  

RBI MPC June 2023: The Reserve Bank of India on Thursday again hit the pause button and decided to keep the key benchmark policy rate at 6.5%. The RBI MPC was expected by many to keep its benchmark repo rates unchanged in the backdrop of the prevalent scenario marked by continuing volatility in global commodity prices, financial markets and supply …

RBI repo rate pause brings relief to home buyers, real estate sector
1 year, 8 months ago

RBI repo rate pause brings relief to home buyers, real estate sector

Hindustan Times  

Mumbai: After six consecutive hikes, the Reserve Bank of India’s decision on Thursday to keep the repo rate of 6.50 per cent unchanged came as a huge relief to the real estate industry as well as home buyers paying back home loans. I am trying to sell my flat, but with the rising interest rates, buyers seem to be delaying …

How RBI repo rate hikes impact your home loan EMIs? Here’s all you need to know
1 year, 8 months ago

How RBI repo rate hikes impact your home loan EMIs? Here’s all you need to know

Live Mint  

Recently, there has been a massive impact in the home loan Easy Monthly Instalments due to interest rate changes in India. Proportion of interest servicing and principal repayment depends on various factors such as tenure of loan, rate of interest, part payments and number of EMI’s already paid. What it means is that the initially planned EMI of ₹ 62,551 …

‘RBI’s decision to hike repo rate will affect trade and industry’
1 year, 10 months ago

‘RBI’s decision to hike repo rate will affect trade and industry’

The Hindu  

Reserve Bank of India’s decision to increase the Repo rate by 0.25 % from 6.25 % to 6.50% would affect trade and industry, especially micro, small and medium enterprises and industrial investments, said Tamil Nadu Chamber of Commerce and Industry. In a press release, its president N. Jegatheesan said that the trade and industrial sector was shocked that the repo …

Realtors see rise in home loan rates; demand for affordable, lower-to-mid-income housing may be hit
1 year, 10 months ago

Realtors see rise in home loan rates; demand for affordable, lower-to-mid-income housing may be hit

The Hindu  

The RBI's decision to raise the repo rate by 25 basis points will result in an increase in interest rates on home loans and may impact demand for affordable and lower mid-income housing segments, according to property developers and consultants. The impact of the increase on home loan interest rates would be a deterrent in the affordable housing segment, he …

RBI hikes repo rate. How will this impact your loan EMIs?
1 year, 10 months ago

RBI hikes repo rate. How will this impact your loan EMIs?

Hindustan Times  

In its first Monetary Policy statement of 2023, the Reserve Bank of India on Wednesday hiked the policy repo rate by 25 basis points to 6.5%. This was the sixth straight hike to the repo rate, which, in December last year, was raised by 35 basis points to 6.25%. The decision to raise the repo rate was approved by a …

RBI Monetary Policy: Repo Rate Hike Likely To Dampen Homebuyers' Sentiment
1 year, 10 months ago

RBI Monetary Policy: Repo Rate Hike Likely To Dampen Homebuyers' Sentiment

ABP News  

As the Reserve Bank of India on Wednesday announced an increase of repo rate by 25 basis points to 6.5 per cent, the interest rate on home loans is expected to increase. "With repo rates now at 6.5 per cent, there could be some repercussions on housing uptake as home loan interest rates will head further north. When the central …

RBI MPC: Home Loan EMIs Set To Increase By 2-4% Post RBI Rate Hike, Say Experts
1 year, 10 months ago

RBI MPC: Home Loan EMIs Set To Increase By 2-4% Post RBI Rate Hike, Say Experts

News 18  

The interest rate on home loans is expected to increase as the Reserve Bank of India on Wednesday announced an increase of repo rate by 25 basis points to 6.5 %. Ratan Chaudhary, Head, Home Loans, Paisabazaar, said, “Existing home loan borrowers can either opt for the EMI increase or tenure increase option, with the consent of the lender, as …

How RBI’s 25 bps repo rate hike could impact your loan EMIs
1 year, 10 months ago

How RBI’s 25 bps repo rate hike could impact your loan EMIs

Live Mint  

As widely speculated, the Reserve Bank of India has hiked the repo rate for the sixth time in a row, by 25 bps to 6.50% with immediate effect. After the RBI's latest repo rate hike on February 8, banks are expected to raise interest rate in retail loans. So, it's of utmost importance for a common man to know how …

Rate rate hike impact yet to be felt in real economy: 10 pointers from RBI mins
2 years ago

Rate rate hike impact yet to be felt in real economy: 10 pointers from RBI mins

Live Mint  

RBI's minutes of the meeting have been released on Wednesday for December 2022 monetary policy. Need for monetary policy tightening: As per MPC member Dr. Shashanka Bhide, with overall domestic growth showing signs of resilience, the adverse global macroeconomic conditions require that the domestic inflation rate is at moderate levels, within the tolerance band of the inflation target on a …

RBI repo rate hike: Tips for home loan borrowers to deal with higher EMIs
2 years ago

RBI repo rate hike: Tips for home loan borrowers to deal with higher EMIs

Firstpost  

If you took a home loan at 6.75 per cent interest a few months ago, then the same loan will be available at an interest rate of 9 per cent In order to contain inflation, the Reserve Bank of India has been hiking the repo rate since May. The latest rise in repo rate will cause higher Equated Monthly Installments …

RBI raises repo rate by 35bps to 6.25%, highest since March 2019
2 years ago

RBI raises repo rate by 35bps to 6.25%, highest since March 2019

Hindustan Times  

Loans and mortgages will get more expensive with the Reserve Bank of India’s Monetary Policy Committee announcing a fifth consecutive interest rate hike on Wednesday, of 0.35 percentage points, taking the policy rate to 6.25%, the highest since March 2019. RBI has taken up the policy rate by 2.25 percentage points since May, and the tone and tenor of its …

Home Loan, Car Loan EMIs to Increase as RBI Hikes Repo Rate by 35 bps; What Should Borrowers Do
2 years ago

Home Loan, Car Loan EMIs to Increase as RBI Hikes Repo Rate by 35 bps; What Should Borrowers Do

News 18  

RBI MPC Meeting December 2022: The Reserve Bank of India has increased the repo rate by 35 basis points to 6.25 per cent in its December Monetary Policy Committee meeting. Atul Monga, CEO and co-founder of BASIC Home Loan, said: “An increase in interest rates will be felt especially by the new borrowers, existing borrowers will not usually be affected …

EMIs to rise as RBI hikes interest rate again albeit at a slower pace
2 years ago

EMIs to rise as RBI hikes interest rate again albeit at a slower pace

India TV News  

On Wednesday, the RBI took a major decision to hike the key repo rate by 35 basis points. The economic "growth in India remains resilient, and inflation is expected to moderate," Das said. The RBI retained its 6.7 percent inflation forecast for the current fiscal year ending March but lowered economic growth expectation to 6.8 percent from the 7 percent …

RBI MPC: 50 Bps Rate Hike Will Make Home Loans Dearer Soon, Says Anarock
2 years, 2 months ago

RBI MPC: 50 Bps Rate Hike Will Make Home Loans Dearer Soon, Says Anarock

ABP News  

The Reserve Bank of India’s Monetary Policy Committee on Friday raised the repo rate by 50 basis points for the fourth time in a row. As commercial banks link their retail loans to repo rate, the hike in rates will increase interest rates, making home loans costlier. Anarock in a statement on Friday said that with this repo rate hike, …

Narendra Modi and Indian economy: What do the hard facts on repo rate, credit policy, inflation, EMIs say
2 years, 4 months ago

Narendra Modi and Indian economy: What do the hard facts on repo rate, credit policy, inflation, EMIs say

Firstpost  

The Repo rate, the rate at which RBI lends money to commercial banks, was hiked by 0.5 per cent or 50 basis points to 5.4 per cent on 5 August 2022. While the RBI expects the CPI to fall to 5 per cent only by the June 2023 quarter, there is good reason to believe India could see inflation tapering …

The buyer may wait a little longer
2 years, 4 months ago

The buyer may wait a little longer

The Hindu  

The RBI has increased repo rate by 50 bps, the third consecutive rate hike in the last two months, thus signaling an end to the all-time low-interest rates regime. On the other hand, while real estate market faces an imminent trickle-down effect of the repo rate, it is equally important that the economy continues to grow in a stable and …

Home Loan Interest to Increase: Higher EMI or Prepayment, How to Minimise Rising Cost
2 years, 4 months ago

Home Loan Interest to Increase: Higher EMI or Prepayment, How to Minimise Rising Cost

News 18  

The Reserve Bank of India has recently increased the repo rate by 50 basis points to tame rising inflation in the country. Loan Interest Rates to Increase; Borrowers to Feel the Pinch “Home loans and other retail loans linked to repo rates would witness the quickest transmission of policy rate hikes. The exact date of transmission of the increased policy …

DC Edit | Repo rate hike unavoidable
2 years, 4 months ago

DC Edit | Repo rate hike unavoidable

Deccan Chronicle  

The Reserve Bank of India announcement today to hike lending rates by 50 basis points, the highest single hike since 2019, is in line with actions of central banks across the world, to tame the rising hungry beast of inflation. Since May this year, the RBI has undertaken a series of moves on the money supply side to handle inflation, …

Realtors expect short-term impact on housing sales, buying sentiments following hike in repo rate
2 years, 4 months ago

Realtors expect short-term impact on housing sales, buying sentiments following hike in repo rate

Firstpost  

The impact of RBI’s decision to raise the benchmark lending rate by 50 basis points to 5.40 per cent is expected to be for a short term, according to real estate developers and consultants New Delhi: Housing sales are likely to be hit, especially in affordable and mid-income categories, following the RBI’s decision to hike repo rate, according to real …

Home Loan EMIs to Increase as RBI Hikes Repo Rate; Know How Much you Have to Shell Out
2 years, 4 months ago

Home Loan EMIs to Increase as RBI Hikes Repo Rate; Know How Much you Have to Shell Out

News 18  

The Reserve Bank of India has increased the repo rate by 50 basis points to 5.4 per cent on August 5. India’s central bank has also remained focused on withdrawal of accommodative stance to maintain inflation within the target while supporting growth.”RBI’s decision to raise the repo rate is in response to the headwinds being faced by Indian economy including …

RBI set to hike policy repo rate tomorrow; your home loan EMIs may go up
2 years, 4 months ago

RBI set to hike policy repo rate tomorrow; your home loan EMIs may go up

Hindustan Times  

The Reserve Bank of India is likely to increase the policy repo rate by 25 to 50 basis points on Friday, the third hike since April - the beginning of the current financial year. "We expect RBI MPC to hike benchmark repo rate by 50 bps as CPI continues to rule above RBIs threshold band," said Lakshmi Iyer, chief investment …

SBI hikes home loan interest rate; EMIs set to go up
2 years, 6 months ago

SBI hikes home loan interest rate; EMIs set to go up

India TV News  

SBI Home Loan Interest Rate: State Bank of India, the country's largest lender, has hiked the lending rates following the Reserve Bank of India's repo rate hike last week. The central bank had hiked the repo rate by 0.50 per cent to 4.90 per cent. The public sector bank has revised by up to 0.20 per cent the marginal cost …

Home Loan EMIs Going Up: These Banks Have Raised Lending Interest Rates; Check Details
2 years, 6 months ago

Home Loan EMIs Going Up: These Banks Have Raised Lending Interest Rates; Check Details

News 18  

As the RBI’s Monetary Policy Committee last week raised key repo rates, banks have started raising their interest rate offerings for loans and deposits. ICICI Bank last week also increased its external benchmark lending rate by 50 bps to 8.60 per cent. Punjab National Bank’s repo-linked lending rate has also been hiked and will now be 7.40 per cent, effective …

RBI policy: How will further hike in repo rate impact your loan EMIs?
2 years, 6 months ago

RBI policy: How will further hike in repo rate impact your loan EMIs?

Live Mint  

You should evaluate the personal loan interest rates offered by several NBFCs and banks before applying for a personal loan with a certain bank. When you compare interest rates of various banks, you may find that another bank is giving personal loans and home loans at a much lower rate. The Reserve Bank of India increased the repo rate by …

Impact of rate hike on real estate market and home buyer sentiments
2 years, 6 months ago

Impact of rate hike on real estate market and home buyer sentiments

Live Mint  

Many lending institutions have recently hiked their lending rates after an off-cycle rate increase by the Reserve Bank of India in May. HDFC has announced that it has raised its benchmark lending rate by 5 basis points, a move that will increase EMI for new and existing borrowers. We are on a landscape of rising interest rate and increasing property …

Will RBI rate hike be a dampener for real estate?
2 years, 7 months ago

Will RBI rate hike be a dampener for real estate?

Live Mint  

For the first time in almost two years, the Reserve Bank of India has hiked the repo rate by 40 basis points to tackle inflation. “The recent regulations by the Reserve Bank of India on increasing the repo rate by 40 bps, bringing them to 4.40%, may affect the real estate sector to an extent,” said Rohit Malik, Founder, Clicbrics. …

RBI repo rate hike effect: These banks raised rates on lending, deposits
2 years, 7 months ago

RBI repo rate hike effect: These banks raised rates on lending, deposits

Live Mint  

Right after the Reserve Bank of India raised India's repo rate by 40 basis points, the banking sector mimicked the same by increasing interest rates in lending and deposit schemes. Here's a list of banks that have raised their interest rates on either lending benchmarks or fixed deposits or savings after RBI's repo rate hike. It said on its website, …

ICICI, BoB, BoI, Central Bank revise lending rates after RBI's repo rate increase
2 years, 7 months ago

ICICI, BoB, BoI, Central Bank revise lending rates after RBI's repo rate increase

The Hindu  

Private sector lender ICICI Bank revised its external benchmark lending rate to 8.1%, and state-owned Bank of Baroda raised the rate to 6.9% with immediate effect after the RBI raised the key repo rate. In an out-of-turn Monetary Committee Meeting, the Reserve Bank on Wednesday announced to hike the benchmark repo rate -- the short term lending rate it charges …

Impact of RBI's repo rate hike on borrowers, investors and the economy
2 years, 7 months ago

Impact of RBI's repo rate hike on borrowers, investors and the economy

Business Standard  

In an unscheduled press briefing yesterday, RBI Governor Shaktikanta Das has said that the Monetary Policy Committee’s off-cycle meet had unanimously voted to hike rates.The rationale behind this decision was the upside risks posed by global factors to India’s inflation trajectory. Meanwhile, the marginal standing facility rate and the Bank Rate stand adjusted to 4.65 per cent.However, the Monetary Policy …

RBI raises policy rate at surprise MPC meet
2 years, 7 months ago

RBI raises policy rate at surprise MPC meet

Hindustan Times  

The Monetary Policy Committee of Reserve Bank of India announced an unscheduled hike of 40 and 50 basis points – one basis point is one hundredth of a percentage point – in policy rate and the Cash Reserve Ratio respectively in a move to contain raging inflation. To be sure, RBI governor Shaktikanta Das reiterated that monetary policy stance continues …

Explained: How changes in repo rates affect stock markets
2 years, 7 months ago

Explained: How changes in repo rates affect stock markets

Hindustan Times  

The Reserve Bank of India on Wednesday increased the key policy rate by 50 basis points to set it at 4.9 per cent. This is the second consecutive increase in the repo rate after May's off-cycle meeting of the Monetary Policy Committee yielded a 40 bps hike to bump it from 4 to 4.4 per cent. Repo rate is the …

EMIs to rise as RBI hikes repo rate by 40 basis points
2 years, 7 months ago

EMIs to rise as RBI hikes repo rate by 40 basis points

The Hindu  

Home-, auto- and other loan EMIs are likely to increase after the Reserve Bank of India hiked its key interest rate by 40 bps in a surprise move on May 4 in an effort to tame inflation that has remained stubbornly above target in recent months. The increase in repo rate — the rate at which RBI lends to commercial …

Home Loan, Auto Loan EMIs to Become Dearer As RBI Hikes Repo Rates In Surprise Move
2 years, 7 months ago

Home Loan, Auto Loan EMIs to Become Dearer As RBI Hikes Repo Rates In Surprise Move

News 18  

Reserve Bank of India governor Shaktikanta Das Wednesday said it held an off cycle-meeting amid high inflation and voted to increase the repo rate by 40 basis points, citing persistent inflationary pressures in the economy. Atul Monga, Co-Founder & CEO, BASIC Home Loan, said: “The hike in repo rate is a calculated measure that RBI has taken to combat inflation …

RBI hikes interest rate by 40 basis points to 4.40%, CRR to 4.50% in unscheduled policy review
2 years, 7 months ago

RBI hikes interest rate by 40 basis points to 4.40%, CRR to 4.50% in unscheduled policy review

India TV News  

Highlights This is the first-rate hike by the RBI since August 2018 The next meeting of the MPC is scheduled during June 6-8 Das said that MPC voted unanimously to maintain an accommodative stance The Reserve Bank of India on Wednesday announced to hike the repo rate by 40 basis points and cash reserve ratio by 50 basis points in …

Home Loan to Remain Cheaper: RBI Relaxes Loan-to-Value Rules till March-end Next Year
2 years, 8 months ago

Home Loan to Remain Cheaper: RBI Relaxes Loan-to-Value Rules till March-end Next Year

News 18  

In a move to make home loans cheaper, the Reserve Bank of India on Friday announced that it will rationalise the risk weights and link them to loan-to-value ratios for new home loans till March 31, 2023. Being a tangible asset and safe haven investment, people continue to invest in real estate.” “As home loans are likely to remain cheaper, …

Home Loan Interest Rates to Remain at All-Time Low. Is Now a Good Time To Buy House?
3 years, 6 months ago

Home Loan Interest Rates to Remain at All-Time Low. Is Now a Good Time To Buy House?

News 18  

The low-interest regime of home loans will continue as Reserve Bank of India Monetary Policy Committee has kept the key benchmark rates unchanged on June 4.?The low home loan interest rate has been a crucial demand by real estate, and the RBI has helped the sector by maintaining the status quo,? ?Firstly, stable and low home loan rates would boost …

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