There is no link between holding a ration card and availing housing loans. If the institution grants, one can avail any number of housing loans with different interest.
If the family members are separated, irrespective of the ration card, depending on income, separation, one can seek Govt. help after convincing the Tehsildar or volunteer. It appears that even those who are having independent spacious houses, those who never applied for such housing loans received sanctions on the basis of Ration cards. AP State Govt., has also ordered that a Ration card has to be provided if applied within 15 days.