While banks have got support for more real estate growth in the past, the outlay of debt is going higher by the day. The strictly regulated guidelines launched by the RBIhave made lending to the real estate even more costly and awkward.At present, the prices for realty growth are increased by at least 7%. The labor cost isincreased by 10-15% and the prices of cement and steel are increasing by 7%. Toadd to this, property prices have headed north. If we look at Mumbai, the currentDebt Coverage Ratio change would add to the developers' costs by about 15% thatincludes the fungible premium payable, if the builder choose to take the additional35% FSI option.