The instruments that are generally suggested fall under three broad categories: capital-based tools such as, countercyclical capital buffers, sectoral capital requirements and dynamic provisions; liquidity-based tools such as, countercyclical liquidity requirements and asset-side tools such as, caps on loan-to-value (LTV) and debt-to-income (DTI) ratios.4 Housing finance in India Let me now turn to housing in India.
That “the last syllable of recorded time” be not the word “tragedy”. So let us together ensure that horizons from this day will no longer be associated with tragedy, but instead with a bright, green, sustainable future. Let the future of finance be that of financing the future! Thank you. 2