The Reserve Bank of India (RBI) has informed banks that additional housing loans for stalled real estate projects, revived under the government s Special Window for Affordable and Mid-Income Housing (SWAMIH) scheme, can be considered standard loans. This move aims to support the completion of stalled projects. However, the borrower must not own more than two residential properties in a stalled project, and failure to meet payment terms will revert the account to non-performing status.