Credit Policy Insights
Guides on LTV, FOIR, and loan eligibility for lending professionals.
4 min readEligibility
What is LTV in home loan
Loan-to-Value (LTV) ratio is the percentage of the property value that a bank can finance. Learn how it affects your home loan eligibility.
Read more5 min readEligibility
What is FOIR in loan eligibility
FOIR (Fixed Obligation to Income Ratio) measures your existing EMI burden against income. Banks use it to decide how much loan you can service.
Read more4 min readLoan Policy Guide
Understanding credit policies
Credit policies define LTV, FOIR, income, and CIBIL rules. Here’s how to read them and use an AI copilot to get instant answers.
Read moreMore credit policy guides coming soon.