The Reserve Bank of India is making it easier for banks to lend for premium homes, where borrowing is above Rs 75 lakhs. The loans in this segment are set to get cheaper. Under the new regulatory regime, premium home loans will attract a risk-weightage of 35 percent as against 50 per cent earlier. However, the current loan to value requirement will remain unchanged, meaning the borrower will have to bring 25 per cent of the value of the loan for high value-houses and 20 per cent for houses below Rs 80 lakh.