In a bid to facilitate housing sector growth, the Reserve Bank of India (RBI) on Friday curved out a seperate sub-sector christened as Commercial Real Estate - Residential Housing (CRE-RH), which will attract a lower risk weight of 75 percent and lower standard asset provisioning of 0.75 percent as against 100 percent and 1 percent respectively for the CRE segment only.
This means, builders can avail cheaper and bigger quantum of loans from banks. The central bank has mandated specific risk weight for each and every sector. Banks approach to sanction loans varies based on risk weight. Higher the risk weight tougher are the lending conditions.
"CRE-RH would consist of loans to builders/developers for residential housing projects (except for captive consumption) under CRE segment," RBI said in a notification.
"Such projects should ordinarily not include non-residential commercial real estate. However, integrated housing projects comprising of some commercial space (e.g. shopping complex, school, etc.) can also be classified under CRE-RH, provided that the commercial area in the residential housing project does not exceed 10% of the total Floor Space Index (FSI) of the project."
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