Banks plan EMI deferment for home loan restructuring

Landers, including SBI, are working on restructuring options for home loans where the overall tenure of the loan does not extend by more than two years, even after relaxing the repayment schedule.

the options include allowing EMI deferment for a few months in cases where the borrower has suffered a total loss of income or allowing step up EMIs, with a lower payout for a couple of years to make up for a reduction in salary or loss of income due to the pandemic.

According to the sources, the KV Kamath committee will not look into retail and home loan restructuring and banks will draw up their own proposal which they will submit to their boards by early next month after getting an idea of the number of borrowers facing stress.

Bankers are keen to restructure loans in order to avoid having to classify defaulters as nonperforming assets. Also, banks say this is not the right time to enforce security and attach assets. Though RBI has let banks extend loan tenure by 2 years, bankers say that they cannot provide a 2-year moratorium.

Anyone with a 15 year alone who has availed moratorium for 6 months will already see their overall loan tenure extend by 14 months. This means that most banks can defer EMI by a few months. the exact relaxation would depend on the interest rate that the borrower will be paying. While home loan rates have come down to below 7%, banks say that it will be difficult to provide their best rates to restructure their loans as lenders have to make an additional provision of 10% on restructured loans. This will increase costs by up to 30 basis points.

According to the terms of reference of RBI’s appointment the Kamath committee is expected to submit its report by mid-September. Bankers expect the committee to give various parameters for restructuring including the maximum depth equity ratio to be allowed, the permissible leverage for each sector like hospitality, aviation, real estate, or construction.

the committee would also decide under what circumstances can conversion of debt to equity would be allowed. In addition, every individual corporate loan, where Bank exposure is over rupees 1500 crore would be reviewed by the committee to consider restructuring.

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