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[부동산] 주주택대출 리스크 가중치 합리화 : RBI
[INDIA REAL ESTATE NEWS] Good morning everyone I am Rumi Dhar from Kama Group.
Here I have important INDIA real estate news to share with you which is as mention under.

In an attempt to spur housing demand, the Reserve Bank of India (RBI) on October 9 decided
to rationalise risk weightage on housing loans, making them attractive for both borrowers
and lenders.

With this revision, the capital provision requirement for banks will reduce and they will be
encouraged to push retail loans, benefiting all housing segments, including the mid and
luxury segments.

The move is expected to improve demand in Tier I cities and select Tier II cities where the
average price of a housing unit is over a crore.

"Recognising the criticality of the real estate sector in the economic recovery, given its role
in employment generation and the inter-linkages with other industries, it has been decided
to rationalise the risk weights by linking them only with loan-to-value (LTV) ratio for all new
housing loans sanctioned up to March 31, 2022," RBI Governor Shaktikanta Das said.

Such loans shall attract a risk weight of 35 percent where the LTV is less than or equal to
80 percent, and a risk weight of 50 percent where the LTV is more than 80 percent but less
than or equal to 90 percent, he said.

RBI, as expected, has kept both the repo rate and reverse repo rates unchanged at 4 percent
and 3.35 percent, respectively, while maintaining an accommodative stance. So far, the
RBI has slashed rates by 115 basis points this year to support the economy and real estate
sector in particular, amid the COVID-19 pandemic.

Of late, the real estate sector has seen some green shoots of demand revival with the
Maharashtra government deciding to reduce stamp duty charges and developers offering
discounts and freebies ahead of the festive season.




Read more at: hhttps://www.moneycontrol.com/news/business/real-estate/risk-weightage-on-housing-loans-rationalised-rbi-move-to-boost-demand-for-real-estate-5943501.html

KAMA GROUP
New Delhi
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