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of <h1>Banks Can Include Fees in LTV for Affordable Housing Loans Up to Rs. 10 Lakh Under New Policy.</h1> The circular addresses housing loan policies for scheduled commercial banks, excluding regional rural banks. It allows banks to include stamp duty, registration, and documentation charges in the Loan to Value (LTV) ratio for properties costing up to Rs. 10 lakh, aiding economically weaker sections and low-income groups. Additionally, it permits banks to disburse loans according to payment schedules set by government or statutory housing authorities, even if not linked to construction stages, provided these authorities have no history of project non-completion. This aims to facilitate affordable housing and accommodate varying payment structures in government-sponsored projects.
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