BANK SIDBI Grade A (General) Phase I Mock Test 2024 Banking and Financial Institutions Banking sector reforms in India NPA management
Consider the following statements about the Loan-to-Value (LTV) ratio for individual housing loans:
1. LTV ratio is used to determine the maximum loan amount based on the property's value.
2. A higher LTV ratio indicates reduced risk for the lender.
3. RBI guidelines ensure that LTV ratios are aligned with risk-weighted provisioning norms.
Which of the statements given above is/are correct?
1
1 only
2
1 and 2 only
3
2 and 3 only
4
1 and 3 only
5
All of the above