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11 - Income Eligibility Norms - SE Customer ( Low LTV )

Credit Norms: Based on Low LTV
Illustration: Mr. Vishal is a leading business man of the city. He proposed to buy a residential
property worth Rs.150 lakhs for a tenure of 240 months for self-occupation. He wants a loan
of only Rs.50 lakhs.
Eligibility Norms % Mr. Vishal’s Req. Calculation Validation
Max. Loan-HL As per Cr.Policy 300 lakhs Loan Requested 50,00,000 As per norms
Max. Loan-LAP As per Cr.Policy 100 lakhs
150,00,000 (
LTV - HL As per Tech. Report 50% LTV ( 50,00,000 33%
LTV - LAP As per Tech. Report 40%

OCR for HL As per Cr.Policy 50% Prop.Value- Loan (150,00,000 - 50,00,000) 67%
OCR for LAP As per Cr.Policy 60%
EMI per lakh for 240 mnths @ ROI of 9% p.a. Loan of Rs.50 lakhs ( 900 x 50,00,000 ( 45,000
1,00,000
* Only for Ready to Occupy Resd. Prop.
* Positive Net Worth as per latest financials filed in last ITR

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