Loan-to-value ratio

Lending against Gold Jewellery

RBI/2013-14/453 DBOD.BP.BC.No.86 /21.01.023 /2013-14 January 20, 2014 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Lending against Gold Jewellery Please refer to our circular DBOD.No.BC.138/21.01.023/94 dated November 22, 1994 on ˜Advances against Gold Ornaments and Jewellery for the purpose of Medical Expenses and Meeting Unforeseen Liabilities™, wherein banks were advised that while granting advances against… Read More

Tags: Board of directorsGoldIndiaJewelleryLoanLoan-to-value ratioMumbaiRajesh Verma

Master Circular Housing Finance

RBI/2013-14/67 DBOD. No.DIR.BC.17/08.12.001/2013-14 July 1, 2013 Ashadha 10, 1935, (Saka) All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam, Master Circular Housing Finance Please refer to the Master Circular DBOD No. Dir. BC.7/08.12.001/2012-13 dated July 2, 2012 consolidating the instructions / guidelines issued to banks till June 30, 2012 relating to Housing Finance. The Master Circular has been suitably updated… Read More

Tags: BankCommercial bankLoanLoan-to-value ratioMaster CircularNational Housing BankReal EstateReserve Bank of India

Housing Sector: New sub-sector CRE (Residential Housing) within CRE and Rationalisation of provisioning, risk-weight and LTV ratios

RBI/2012-13/538 DBOD.BP.BC.No. 104/08.12.015/2012-13 June 21, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Housing Sector: New sub-sector CRE (Residential Housing) within CRE & Rationalisation of provisioning, risk-weight and LTV ratios Please refer to paragraph 82 of the Monetary Policy Statement 2013-14 (extract enclosed) on ˜Commercial Real Estate - Residential Housing: Prudential Norms™, announced on… Read More

Tags: BankCommercial propertyCommercial Real EstateCREExtract (film)Loan-to-value ratioLTVMonetary policy

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