{"id":646,"date":"2015-10-09T00:00:00","date_gmt":"2015-10-08T18:30:00","guid":{"rendered":""},"modified":"2015-12-31T16:15:48","modified_gmt":"2015-12-31T10:45:48","slug":"now-you-can-borrow-housing-loan-up-to-90-of-property-value-if-loan-amount-is-up-to-rs-30-lacks","status":"publish","type":"post","link":"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\/","title":{"rendered":"Now you can borrow housing loan up to 90% of property value if loan amount is up to Rs.30 Lacks"},"content":{"rendered":"\n\n\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\n\n\n\n\n\n
Category of loan<\/strong><\/td>\nLTV ratio (%)<\/strong><\/td>\nRisk Weight (%)<\/strong><\/td>\n<\/tr>\n
Upto Rs.30 lakh<\/td>\n< 80<\/td>\n35<\/td>\n<\/tr>\n
> 80 and > 90<\/td>\n50<\/td>\n<\/tr>\n
Above Rs. 30 lakh and upto Rs. 75 lakh<\/td>\n< 75<\/td>\n35<\/td>\n<\/tr>\n
> 75 and  < 80<\/td>\n50<\/td>\n<\/tr>\n
Above Rs.75 lakh<\/td>\n> 75<\/td>\n75<\/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],"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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