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JAIIB Paper 4: Retail Banking & Wealth ManagementModule B: Retail Products and RecoveryUnit 15: Retail Loan Eligibility & LTV Limits

Q1. A customer wishes to purchase a residential property valued at Rs. 70 Lakhs. According to RBI guidelines on Loan-To-Value (LTV) limits for individual home loans, what is the maximum home loan amount the bank can sanction?

Rs. 49.00 Lakhs (70% LTV)

Rs. 70 Lakhs (100% Finance)

Rs. 66.50 Lakhs (95% LTV)

Rs. 56.00 Lakhs (80% LTV)

Incorrect Answer

Formula: Max LTV (Loan <= 30L) = 90%

Under RBI rules, LTV limits for home loans are: (a) Up to Rs. 30L = 90%; (b) Rs. 30.01L to Rs. 75L = 80%; (c) Above Rs. 75L = 75%. For a property value of Rs. 70 Lakhs, the ceiling is 80%, yielding Rs. 56.00 Lakhs.

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