If you're looking to lower your home loan interest rate, there are a few strategies you can consider. One option is to transfer your loan to a lender offering a lower interest rate. By doing this, you could potentially lower your monthly EMI payments. However, make sure to carefully evaluate the charges involved in the transfer process.

Another way to lower your interest rate is by improving your credit score. Many banks base their interest rates on borrowers' credit scores, so having a higher score can lead to lower rates. To improve your score, make sure to pay your existing EMIs on time, avoid taking on new loans, and keep your credit card utilization below 30%.

Lastly, you can also try renegotiating the terms of your loan with your current lender. While they may not be willing to lower your interest rate, it doesn't hurt to ask and see if they can offer more favorable terms.

Remember, each person's financial situation is unique, so it's important to carefully evaluate your options and consider consulting with a financial advisor before making any decisions regarding your home loan.

In a monumental decision, the U.S. Court of Appeals has ruled that the Securities and Exchange Commission's (SEC) denial of Grayscale Investments' bitcoin trust conversion into an ETF was "arbitrary and capricious." This ruling has sparked optimism in the crypto community and raised hopes for the approval of a spot market bitcoin ETF.

The court criticized the SEC for failing to explain why it approved the listing of bitcoin futures ETPs but not Grayscale's proposed bitcoin ETP. This inconsistency in treating similar products was deemed unlawful by the court.

Following the ruling, the price of bitcoin surged by around 7.5%, reaching $27,911.67. The positive sentiment also lifted the broader crypto market and crypto-related equities.

The ruling paves the way for other bitcoin ETF applications, including those submitted by BlackRock, Fidelity, WisdomTree, VanEck, and Invesco, to have better chances of approval. A U.S. bitcoin ETF would offer investors a way to gain exposure to bitcoin without directly holding the cryptocurrency.

The SEC is currently reviewing the court's decision and determining its next steps. However, industry experts believe that the ruling signifies that the approval of a bitcoin ETF in the U.S. is inevitable and only a matter of time.

In light of this ruling, the crypto community awaits further developments to see whether the SEC will comply with the court's decision and provide clearer guidelines for the approval of bitcoin ETFs.