AIP Conference Proceedings [AIP Publishing INTERNATIONAL CONFERENCE ON EMERGING APPLICATIONS IN MATERIAL SCIENCE AND TECHNOLOGY: ICEAMST 2020 - Namakkal, India (30–31 January 2020)] INTERNATIONAL CONFERENCE ON EMERGING APPLICATIONS IN MATERIAL SCIENCE AND TECHNOLOGY: ICEAMST 2020 - Loan to value (LTV) ratio policy and its impact to property development

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