After the RBI rule, the bank can sell your gold to cover the loan, but if it sells for less, you still owe the balance—the cost is your heirloom, plus more debt. For me, the real cost was the *jingïatip* of my grandmother’s *sïngïar*; they sold it in a lot, and no money can bring back that memory. The papers said 90% LTV helps the borrower, but my loss says it only helps the bank recover faster.
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