Changing the Cash Reserve Ratio (CRR) can impact home loans indirectly. When the CRR is increased, it can lead to higher interest rates on home loan and reduced availability of credit. This happens because banks have to hold more of their deposits in reserves, limiting their lending capacity. Additionally, changes in the CRR are part of broader monetary policy efforts by central banks to control inflation and stabilize the economy, which can affect the overall demand for housing and home loans. Borrowers and lenders should be aware of these potential impacts on the cost and availability of home loans.