For going ahead with the proposal, the regulator is considering discussion with the Reserve Bank of India. As quoted in the Economic Times Report, RV Verma, Chairman and Managing Directoir of NHB iterated "We will discuss the matter of increasing LTV (loan-to-value) ratio for loans that carry mortgage guarantee cover from companies registered with the RBI".
If the RBI grants a go ahead to the proposal of NHB, home loan borrowers will be able to secure 90% of the property value as home loan i.e. for a property worth Rs. 50,00,000, the lenders in the would now disburse a maximum of Rs. 45,00,000 as against the previous grant of Rs. 40,00,000.