Bangalore: Borrowers are now more positively tilted towards the criteria like huge debts, especially in terms of home loans. A study by Credit Information Bureau India (CIBIL) has revealed that the housing finance sector has more contribution from the high value home loans.

This is the trend seen across both, metropolitan cities as well as the tier III cities. But as obvious, this high value home loan is more flourished in Mumbai, Delhi-NCR, Chennai, Bangalore and Hyderabad.

The percentile of loans over 50 lakh has increased to 12 percent in 2011, which was only 7 percent in 2007. During this same period of 2007-2011, loans with lower ticket size that is below 10 lakh has gone down and shrunk to 21 percent in 2011 which was 41 percent in 2007.

In 2011, the home loans with ticket size of 20-50 lakh has contributed 35 percent of the total home loans sanctioned, which is quite a significant stat for Indian borrowers who mostly prefer low risk loans. CIBIL states that this trend is a result of appreciation in property prices in the country as well as growing affordability of the home loan borrower.