Your analysis is spot on: lower repo rates from RBI (like the June cut) make home loans cheaper, shortening tenure without refunds but reducing overall costs on floating-rate EMIs. Speculated Dec 2025 cut could drop rates further by 25bps, boosting affordability for buyers.

Timing? Yes, now's favorable for constructive borrowing—rates are at a low point in the cycle. But as you noted, cheaper loans spur spending and demand, potentially tightening funds and hiking rates later via supply-demand dynamics. Also hits savers with lower deposit yields.

Weigh personal finances, not just macro trends—no financial advice here. Monitor RBI announcements for updates.