House Building Advance Rules (HBA) — 2017
Government of India
Ministry of Housing & Urban Affairs
Nirman Bhawan, New Delhi,
Subject: House Building Advance Rules (HBA) — 2017.
The following House Building Advance Rules is in supersession of existing rules on the subject:
Grant of House Building Advance for Central Government employees is regulated in terms of rules and regulations laid down from time to time by the Ministry of Housing & Urban Affairs (erstwhile Ministry of Urban Development). These rules are as under:
House Building Advance (HBA) is admissible to an employee for only one of the following purposes:-
i. Constructing a new house on the plot owned by the employee or spouse, either jointly or individually.
ii. Purchasing a plot and constructing a house thereon.
iii. Purchasing a plot under co-operative Schemes and constructing a house/ flat thereon or acquiring a house through membership of Cooperative Group Housing Societies.
iv. Purchase/construction of house under the self-financing schemes of Delhi Bangalore, UP, Lucknow etc.
v. Outright purchase of a new ready-built house/ flat from Housing Boards, Development Authorities and other statutory or semi-Government bodies and from registered builders i.e., registered private builders, architects, house building societies, etc., but not from private individuals.
vi. Expansion of living accommodation of an existing house owned by the employee or jointly with spouse. The total cost of the existing structure (excluding cost of land) and the proposed additions should not exceed the prescribed cost ceiling under these rules.
vii. Repayment of loan or advance taken from a Government or HUDCO or private sources even if the construction has commenced, subject to certain conditions.
viii. Existing employees who have already taken home Loans from Banks and other financial institutions are allowed to migrate to this scheme subject to fulfillment of extant conditions.
ix. Constructing only residential portion of the building on a plot earmarked for a shop-Cum-residential plot, in a residential colony, subject to prescribed cost ceiling.
i. All permanent government employees
ii. All other employees with at least 5 years of continuous service, provided they do not hold permanent appointment under a State Government and the sanctioning authority is satisfied about their likely retention in service till the house is built and mortgaged.
iii. Members of All India Services deputed for service under the Central Government/Company/Association/Body of individuals whether incorporated or not,which is wholly or substantially owned or controlled by the Central Government or an International Organization, and autonomous body not controlled by Government or private Body.
iv. Employees of Union Territories and North East Frontier Agency.
v. Staff/Artistes of the All India Radio who fulfil the condition prescribed at (ii) above and have been appointed in long term contracts extending to the age as per extant rules.
vi. Central Government Employees governed by the payment of wages act,1936.
vii. Central government employees on deputation to another Department or on Foreign Service. Such cases to be processed by the Head of the office of the parent Department.
viii. Extant rules for eligibility conditions of Ex-servicemen and of central government employees under suspension remains unchanged.
Note: In cases where both the spouses are central government employees and are both eligible for grant of House Building Advance, the advance will be admissible to both of them jointly/separately