A. Project cost
As per Housing Loan Guidelines 2025-26
Total project cost₹46,18,755
B. Realizable value & LTV
Lower of cost and realizable value₹41,18,450
Max loan at 90% (if ≤ ₹20L)₹37,06,605
Max loan at 80% (₹20–75L)₹32,94,760
Max loan at 75% (above ₹75L)₹30,88,838
Maximum loan as per LTV
₹32,94,760
Applicable LTV 80% · Borrower margin ₹8,23,690
LTV is always calculated on the lower of project cost and realizable value. No deviation is permitted in LTV or margin norms.