It has been decided to fix the Loan to Value (LTV) ratios and risk weights for individual Housing Loans as under:
Category of loan
|
LTV ratio (%)
|
Risk Weight (%)
|
Upto ₹ 30 lakh
|
≤ 80
|
35
|
> 80 and ≤ 90
|
50
|
|
Above ₹ 30 lakh and upto ₹ 75 lakh
|
≤ 75
|
35
|
> 75 and ≤ 80
|
50
|
|
Above ₹ 75 lakh
|
≤ 75
|
75
|
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