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Housing Loans Review of Instructions

FEMA - DBR.BP.BC.No.74/08.12.015/2014-15 - Dated:- 5-3-2015 - RBI/2014-15/491 DBR.BP.BC.No.74/08.12.015/2014-15 March 5, 2015 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, A. Inclusion of stamp duty and other charges in LTV ratio Please refer to our circular DBOD.No.BP.BC.78/08.12.001/2011-12 dated February 3, 2012 on Housing Loans by Commercial Banks - Loan to Value (LTV) Ratio whereby banks were advised that they should not include stamp duty, registration and other documentation c .....

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amp duty, registration and other documentation charges to the cost of the house/dwelling unit for the purpose of calculating LTV ratio. B. Construction linked disbursal of housing loan 3. Please refer to our circular DBOD.BP.BC.No.51/08.12.015/2013-14 dated September 3, 2013 on Housing Sector: Innovative Housing Loan Products - Upfront disbursal of housing loans , in terms of which banks were advised that disbursal of housing loans sanctioned to individuals should be closely linked to the stages .....

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