\n| \n RBI\/2015-16\/200
DBR.BP.BC.No. 44\/08.12.015\/2015-16<\/p>\n October 8, 2015<\/p>\n All Scheduled Commercial Banks<\/p>\n Dear Sir,<\/p>\n Individual Housing Loans: Rationalisation of Risk-Weights and LTV Ratios<\/p>\n Please refer to paragraph 4 of the circular DBOD.BP.BC.No.104\/08.12.015\/2012-13 dated June 21, 2013<\/a> on \u2018Housing Sector: New Sub-sector CRE (Residential Housing) within CRE & Rationalisation of Provisioning, Risk-weight and LTV Ratios\u2019, wherein the LTV ratios and risk weights for individual housing loans were prescribed. On a review, it has been decided to fix the Loan to Value (LTV) ratios and risk weights for individual housing loans as under:<\/p>\n \n\n\nCategory of loan<\/strong><\/td>\nLTV ratio (%)<\/strong><\/td>\nRisk Weight (%)<\/strong><\/td>\n<\/tr>\n\n| Upto Rs.30 lakh<\/td>\n | < 80<\/td>\n | 35<\/td>\n<\/tr>\n | \n| > 80 and > 90<\/td>\n | 50<\/td>\n<\/tr>\n | \n| Above Rs. 30 lakh and upto Rs. 75 lakh<\/td>\n | < 75<\/td>\n | 35<\/td>\n<\/tr>\n | \n| > 75 and < 80<\/td>\n | 50<\/td>\n<\/tr>\n | \n| Above Rs.75 lakh<\/td>\n | > 75<\/td>\n | 75<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n All other instructions contained in the circular mentioned above will remain unchanged.<\/p>\n Yours faithfully,<\/p>\n (Sudarshan Sen)
Principal Chief General Manager<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n <\/p>\n","protected":false},"excerpt":{"rendered":" RBI\/2015-16\/200DBR.BP.BC.No. 44\/08.12.015\/2015-16 October 8, 2015 All Scheduled Commercial Banks Dear Sir, Individual Housing Loans: Rationalisation of Risk-Weights and LTV Ratios Please refer to paragraph 4 of the circular DBOD.BP.BC.No.104\/08.12.015\/2012-13 dated June 21, 2013 on \u2018Housing Sector: New Sub-sector CRE (Residential Housing) within CRE & Rationalisation of Provisioning, Risk-weight and LTV Ratios\u2019, wherein the LTV ratios and risk … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[10],"tags":[322],"class_list":["post-646","post","type-post","status-publish","format-standard","hentry","category-banking","tag-housing-loan"],"yoast_head":"\nNow you can borrow housing loan up to 90% of property value if loan amount is up to Rs.30 Lacks - All About Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/taxclick.org\/type\/banking\/now-you-can-borrow-housing-loan-up-to-90-of-property-value-if-loan-amount-is-up-to-rs-30-lacks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Now you can borrow housing loan up to 90% of property value if loan amount is up to Rs.30 Lacks - All About Finance\" \/>\n<meta property=\"og:description\" content=\"RBI\/2015-16\/200DBR.BP.BC.No. 44\/08.12.015\/2015-16 October 8, 2015 All Scheduled Commercial Banks Dear Sir, Individual Housing Loans: Rationalisation of Risk-Weights and LTV Ratios Please refer to paragraph 4 of the circular DBOD.BP.BC.No.104\/08.12.015\/2012-13 dated June 21, 2013 on \u2018Housing Sector: New Sub-sector CRE (Residential Housing) within CRE & Rationalisation of Provisioning, Risk-weight and LTV Ratios\u2019, wherein the LTV ratios and risk ... 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