Grant of House Building Advance to Haryana Government employees

• Documents required for PNB departmental loan

.......................................................
HBA loan can apply for
(a) For Construction of House
(b) For Extension of house
(c) For Repair of House
(d) For the Purchase of Plot
HBA letter
HBA eligibility

No. 2/2/2004-WM(3)
From
The Financial Commissioner & Principal Secy. to Govt.,
Haryana, Finance Department.
To
All Heads of Departments in Haryana,
The Registrar, Punjab and Haryana High Court &
All District & Session Judges in Haryana State.
All Commissioners of Divisions,
Deputy Commissioners & S.D.Os. (Civil) in Haryana.
Dated, Chandigarh, the 22nd November 2010
Subject: Grant of House Building Advance to Haryana Government employees.
Sir,
I am directed to refer to Finance Departments circular letter No. 2/2/2004-WM(3),
dated 21st April 2008 on the subject noted above and to say that due to the revision of pay scales
of State Govt. employees, the question of enhancing the present eligibility limit of pay and
admissibility for the purpose of grant of House Building Advance to the State Govt. employees
has been considered and it has been decided to increase the present eligibility limit for the grant
of House Building Advance(s) to Government employees from ` 12.50 lacs to ` 15.00 lacs.
2. The revised rates and norms of admissibility advances to Government employees for
the purpose of construction of house/purchase of built-up house allotted by the Govt. agencies
or any other registered societies or through the private source, an extension of the house, repair of the house
and for the purchase of plot shall be as under with immediate effect.
(a) For Construction of House
40 months revised pay in any pay band (including Revised pay and grade pay)
subject to a maximum of ` 15.00 lacs for construction of house/purchase of the built-up house
allotted by the Govt. agencies or any other registered societies or through the private source
whichever is less which is recoverable alongwith the interest in 150 equal monthly installments.

(b) For Extension of house
(i) 12 months‘ pay in any pay band (Revised pay and grade pay) subject
to a ceiling of ` 3.50 lacs which is recoverable alongwith the interest in
96 equal monthly installments.
(ii) Advance for the extension of the house, who has not obtained any House
Building Advance from Govt. earlier may be allowed after the expiry of
three years to the date of purchase of the house or taking possession
thereof, whichever is later. In the case of employees, who had taken a
House Building Advance earlier from the Government may be allowed
after five years of the start of the drawls of the earlier advance.

(c) For Repair of House
(i) 10 months‘ pay in any, pay band (Revised pay and grade Pay) subject
to a ceiling of ` 3.00 lacs which is recoverable alongwith the interest in
96 equal monthly installments.
(ii) Advance, for the repair of the house, who, have not obtained any House
Building Advance from Govt. earlier, may be allowed after the expiry of
five years to the date of purchase of house or possession thereof,
whichever is later. In the case of employees, who had taken a House
Building Advance earlier from the Govt. may be allowed after seven
years of the start of the drawls of the earlier advance. The maximum of
House Building Advance including the extension of House and repair of
the house will be limited to 21.00 lacs.

(d) For the Purchase of Plot
60% of the total admissibility of House Building Advance.
3. All other terms and condition for the House Building Advance, as laid down by the
Finance Department from time to time, shall be applicable mutatis and mutandis.
4. No benefit will be given to those employees who have been already earmarked/
drawn even the first installment/part payment of House Building Advance.
5. The House Building Advance Rules for All India Services will be applicable to the
members of All India Services.
6. It has been observed that the advance cases are not being examined properly in
accordance with the instructions issued by the Finance Department from time to time. You are,
therefore, requested to direct the concerned officers/officials working under your control, to
scrutinize the application in accordance with the instructions. They should ensure that the
application complete in all respects are sent to the Finance Department with your specific
recommendations. Incomplete cases received in the Finance Department will not be entertained at
all. In case of misutilisation of funds by the applicant, the responsibility would devolve on the
D.D.O. As such they may be directed to examine the case properly and satisfy themselves
about the genuineness of the demand of the applicant for the grant of the advances.
7. The above instructions may please be brought to the notice of all officers/officials
working under your control.
Sd/-
(Dharam Pal)
Under Secretary Finance (B)
for Financial Commissioner & Principal Secy. to Govt.,
Haryana, Finance Department.
No. 2/2/04-WM(3) Dated, Chandigarh, the 22nd November 2010
A copy is forwarded to Accountant General (Audit & A&E), Haryana Chandigarh with
20 spare copies for information and necessary action.
Sd/-
(Dharam Pal)
Under Secretary Finance (B)
for Financial Commissioner & Principal Secy. to Govt.,
Haryana, Finance Department.
GRANT OF HOUSE BUILDING ADVANCE
3
Copies are forwarded to:-
1. The Financial Commissioner & Principal Secretary to Govt. Haryana
Revenue and Disaster Management Department.
2. All the Financial Commissioner & Principal Secretaries/Administrative for
information and necessary action.
Sd/-
(Dharam Pal)
Under Secretary Finance (B)
for Financial Commissioner & Principal Secy. to Govt.,
Haryana, Finance Department.



CHECK LIST OF HOUSE BUILDING ADVANCE
Checklist for New Construction:-
1. Application Form and Agreement Form (Annexure III) in prescribed Performa duly
signed and recommended by the Sanctioning Authority/ Head of Department.
2. Detail of loan taken earlier, if drawn, intimate basic pay and financial year.
3 The previous amount is drawn with the copy of sanction letter
(a) Purpose of the previous advance.
(b) Mortgage of the previous advance.
4. Allotment letter, possession letter and map duly passed by HUDA in case of HUDA
Plot.
(a) Clear title of plot duly verified by Tehsildar/Revenue Authority in case of plots
situated within Lal Dora in the rural area.
(b) Registry of the plot in general cases.
(c) Map duly passed by MC if the plot is in Urban Area.
5. Surety of one confirmed employee in the case of the regular employee on the judicial
paper worth Rs. 15 duly attested by DDO.
6 Col. 1 to 13 must be verified by DDO.
7. Affidavit on judicial paper worth Rs. 3/- that applicant has no other house in his/her
name or in the name of his/her family members anywhere in India.
8. Annexure VI regarding recovery of the outstanding loan from DCRG may be obtained.
9. In case of joint ownership, Annexure V regarding No Objection Certificate from wife/
husband for mortgaging the property in the name of Governor of Haryana may be
obtained.
Checklist for Under Construction:-
1. In case of less than 40% of the loan, utilization certificate of purchase of material for
construction, duly verified by DDO, be submitted.
2. First Installment of 40% of the loan, utilization certificate up to plinth level, duly verified by
DDO, be submitted.
3. For 2nd installment of 30% of the loan, utilization certificate of roof laid, duly verified by
DDO, be submitted.
4. After 3rd installment of loan utilization certificate of completed House, duly verified by
DDO, be submitted.
Checklist for Repair/Extension cases:-
1. Clear title of owner ship.
2. Detail of the previous loan taken by officer/official be clearly mentioned in column No. 10
(in application Form)
3. Agreement Bond Annexure IV/V/VI.
GRANT OF HOUSE BUILDING ADVANCE
10
4. In case of regular employee one surety from a confirmed employee in prescribed
proforma, on stamp paper worth Rs. 15/-
5. The recommendation under the signature of the Sanctioning Authority.
6. Undertaking regarding no objection to mortgage the property against the loan from
husband/wife in case of joint ownership.
7. Map duly verified/countersigned by Revenue Authority, in case if the house is in Lal
Dora, in the rural area.
8 Completion certificate in case if the house falls in the urban area by the Competent
Authority.
9. All columns must be verified by the DDO
10. Repair/extension loan is granted after ten years after the release of the first installment
of House Building Advance.
11. The loan is granted for repair/extension after 5 years of possession in case applicant has
not obtained any loan for construction of the house from the Government.
Checklist for Purchase of plot:-
1. Application Form and Agreement Form (Annexure III) in prescribed proforma duly
signed and recommended by the Sanctioning Authority/ Head of Department.
2. Details of loan taken earlier, if drawn, intimate basic pay and financial year.
3. Previous amount drawn with sanction letter No. ___________ dated________.
(a) Purpose of the Previous advance.
(b) Mortgage of the previous advance.
4. Surety of one confirmed employee in case of regular employees on the Judicial
paper worth Rs. 15 duly attested by DDO.
5. Col. 1 to 13 must be verified by DDO.
6. Affidavit on stamp paper worth Rs. 3/- that applicant has no other house in his/her
name or in the name of his/her family members anywhere in India.
7. Annexure VI regarding recovery of outstanding loan/interest from DCRG.
8. Annexure V from the applicant on the Stamp Paper worth R.3/-
9. Agreement for purchase of plot.
10. Departmental permission for purchase of plot under Employees Conduct Rules,
1966.
Check list for Housing Board/Society:-
Housing Board:-
1. Allotment letter of Board/DDA and any other Government Agency.
2 One surety of confirmed employee is required for the regular employee.
3 Surety of two confirmed employees on stamp paper worth Rs. 15/- is required from
regular employees in lieu of the mortgage.
4. Annexure III, IV, V, VI should be attached.
GRANT OF HOUSE BUILDING ADVANCE
11
Society:-
1. Proof of membership of the society.
2. Full comprehensive insurance of the flat /house against damage by fire flood and
lightening extending the policy Governor of Haryana.
3. Surety of one permanent employee in case of the regular employee.
4. The loanee will furnish surety of two permanent Govt. employees in lieu of the mortgage.
5. The loanee will get the flat/house mortgaged to Govt. and the charge of the Govt.,
would be the first claim on the property in the event of default in repayment of Govt.
loan and the loanee must obtain the prior consent of the Cooperative Housing Society
for this purpose.
GRANT OF HOUSE BUILDING ADVANCE
12
APPLICATION FOR HOUSE BUILDING ADVACE
(Rule 10, 16, 10.17, 10.18, 10.19 of the P.F.R. Vol. I)
1. Name of the Applicant (in block letters) ____________________________
2. Designation (Gazetted/Non Gazetted)
3. Father's/Husband's Name
4. Name of Department/Branch _________________________________________
5. Emolument on which the loan is admissible
6. (i) Basic Pay ________________________
(ii) Special Pay _______________________
(iii) Total ____________________________
7. Head of Account
8. Amount of advance applied for _______________________________
Recoverable in ______________ instalments of Rs. __________________
9. Purpose of advance now: applied for
10. Whether any advance has been drawn previously for house
building/repairs/Extension of house under any rules/scheme if so:
(i) Date of drawal of the advance
(ii) Purpose for which the advance was drawn. _______________________
(iii) Amount of advance drawn _______________________
(iv) Pay on which such advance was calculated:
Basic Pay ___________ S.P. __________ Total _____________
(v) Rules/scheme under which the advance was drawn. ________________
11. Whether the house built with an advance has
been sold if so, indicate sale proceeds;
____________________
12. Whether the house/plot purchased/constructed with the
advance has been mortgaged to Govt. as prescribed
under the rules;
____________________
13. (a) Date of birth of the applicant
(b) Date of entry into Government service.
(c) Date of superannuation
____________________
____________________
____________________
14. Whether husband/wife is a Government servant,
if so, whether he/she has obtained any house
building advance from Government.
____________________
15. Whether permanent or temporary Government
servant, if temporary adequate surety of permanent
Government servant to be furnished in addition to
mortgaging the house to Govt. in the prescribed form on
non-judicial paper worth Rs. 15/-.
____________________
16. PURCHASE OF PLOT
(i) (Whether advance is required for the purchase
of plot, if so, the details of the source of the plot
purchased, the approx. cost and a documentary
proof with regard to the clear title of the seller of the
plot may be attached (see rule 10.16 (vii) of P.F.R.
Vol. l)
____________________
GRANT OF HOUSE BUILDING ADVANCE
13
(it) Whether the sanction of Govt. for the purchase of
plot, if negotiated from a source other than regular or
reputed dealer has been obtained as required under
Govt. Employee's Conduct Rules, 1966 if so, a copy
of the sanction be attached.
(iii) A certificate to the effect that the advance is required
for the construction of house at place for personal
residence may be attached
____________________
____________________
17. CONSTRUCTION OF HOUSE :
(a) whether advance is required for the construction of
house on plot already purchased with own resources
or from Government money if so, an attested copy of
the conveyance deed executed may be attached.
(b) A certificate to the effect that the sum will be utilized
for construction of house only and if there are any
surplus funds after the house has been completed,
that will be refunded at once may be attached. [Rule
10.16(ix)].
(c) Documentary proof that the plans etc. have been
approved by the HUDA/MC/Tehsildar concerned.
____________________
____________________
18. REPAIR OF HOUSE :
In case the advance is required for repair, a certificate to
the following effect be added :-
(i) The repairs are required to make house rehabitable
(ii) These are not in the nature of ordinary repairs.
(iii) These involve an outlay larger in comparison with
the value of the house and that no such advance for
the repair has previously been drawn in respect of
the same house and that ten years have elapsed
since the drawal of the advance in case of any
advance from the Government (Rule 10.19 of
P.F.R. Vol. I).
____________________
____________________
____________________
19. EXTENSION OF HOUSE :
Whether the house proposed to be extended was
constructed with the financial assistance from the State
Government if so, the details of the loan obtained may be
specified as under:-
(i) Total loan obtained
(ii) Pay at the time the loan was obtained
Basic Pay Rs. _______________ SP ________
(iii) If the loan was obtained under any other scheme the
total amount of loan may be indicated
(iv) Documentary proof that plan for extension has been
approved by the local body or the Estate
Officer/Tehsildar.
(v) If any advance was drawn for repairs of the house
earlier full details thereof may be indicated.
____________________
Total Rs. ____________
____________________
____________________
____________________
20. BUILT UP HOUSE:
In case the advance is required for the purpose of built up
house the following certificate may be attached
____________________
GRANT OF HOUSE BUILDING ADVANCE
14
(i) Documentary proof to show that the bargain for the
purchase of house has been finalized.
(ii) The place and the full particulars of the house for
which the advance is required
(iii) Location of the dwelling unit in an approved colony.
(iv) Valuation from B&R/MC/Teh.
(v) Clear title of House duly verified by HUDA/MC/Teh.
____________________
____________________
____________________
____________________
____________________
21. A certificate to the effect that the advance is required for
the bonafide personal residence.
____________________
22. A certificate to the effect that the applicant has an
undisputed title to the house/plot in the case of purchase
of a built up house a certificate may be furnished that the
house is free from all encumbrances.
____________________
23. Whether any funds earmarked for you either by the
Department Or the FD was surrendered during the last
financial year and so, full particulars thereof together with
reasons for surrendering the amount may be given.
____________________
24. An affidavit on non-judicial paper worth Rs. 3/- that the
applicant has no other house/plot in India.
____________________
It is certified that the information given above is complete and true to the best of my
knowledge and nothing has been concealed therein.
Dated :
(Signature of the Applicant)
Designation : _________________________
Branch : _____________________________
It is certified that the above information supplied by the applicant is correct
according to the official record maintained in this office. It is also certified that the advance of
Rs. _______ applied for is admissible and all formalities required to be complied with have been
completed.
Place :
Signature of Sanctioning Authority
Dated :
GRANT OF HOUSE BUILDING ADVANCE
15
SURETY BOND
This deed is made on the _________ day of the _______, Two thousand _________
Between Sh. _________________ and caste ___________ and resident of H. No. __________
working as ______________ in the office of _____________________ (hereinafter referred to
as the surety) of the one part and the Governor of Haryana (hereinafter referred to as the
Government) of the other part.
Whereas the loan of Rs. ______ (Rupees ______________) has been granted to
Sh. ______________ resident of _______________ working as _____________ in Office of
_____________ (hereinafter referred to as the borrower) of the terms and conditions in the
agreement dated __________ and subject to the borrower furnishing a permanent Government
Servant as surety to guarantee the due performance and observation by him of the conditions of
the agreement dated ___________ and/or of the mortgage deed, dated _______________.
And whereas Shri _______________ has fulfillment of the conditions of the advance
of loan agreed to stand as surety for the Borrower on the terms and conditions hereinafter
appearing.
Now this deed witnesses and the parties hereto agree as follows:-
(1) In pursuance of the said agreement and in consideration of the sum of Rs. ____
advance by the Government to the Borrower as the loan, the surety hereby
agrees that the borrower shall duly, faithfully, and punctually perform all the
conditions set out in the agreement dated _____________ and to be
performed and observed by him and that in the event of the failure of the
borrower to perform any of the said conditions and of the borrower dying or
ceasing to be in service for any cause that what so ever before the amount
due to the Government from the borrower is fully paid off, the surety shall
immediately pay the entire amount due to the Government on account of the
principal and interest under the said agreement and/or the mortgage deed.
(2) For the consideration aforesaid and in further pursuance of the agreement it
is hereby agreed that the liability of the surety shall not be affected by the
Government granting time or any other indulgence to the borrower.
(3) The Government shall be entitled to deduct from the pay, Travelling
Allowance or any other sum which may be or become payable by the
Government to the surety the amount due to it from the surety under this
deed. Witness where of the parties have signed, this deed on the dates
respectively mentioned against their Signature in the 52 years of the Republic
of India.
Signature of the surety.
Witness :
Signed by for and on behalf of the
(1) Governor of Haryana.
(2)
GRANT OF HOUSE BUILDING ADVANCE
16
ANNEXURE-III
Agreement Deed
An agreement to be executed by Government servant at the time of or before
drawing advance for the purchase of land and/or construction of house for adjustment of the
balance of advance outstanding at the time of retirement against the death-cum-retirement
gratuity.
An agreement made on ______________ day of ______________Two thousand
____________________ between _______________ of ______________ (hereinafter called
the borrower which expression shall include his legal representative and assigns) of the one
part and the Governor of Haryana (hereinafter called 'The Governor' which expression shall
include his successors and assigns) on the other part.
Whereas the Borrower has agreed to purchase/has purchased for the purpose of
erecting a house thereon the piece of land situated in ______________ in the registration
district of ____________ sub-district _________ thana ___________ containing
____________more or less and bounded on the north by _____________ south by
___________ east by ____________and on the west by _______________ Rs. __________
(hereinafter referred to the said land) for the sum of Rs. __________. And whereas the
borrowers has under the provision of the Haryana Government letter No. 2118-WM(I)-67/20006,
dated the 5th September, 1967 applied to the Governor for a loan of Rs. ________.
And whereas it is permissible under the provision of the aforementioned letter
hereinafter referred to as the said order which expression shall include any amendment thereof
for the time being in force that the last installment of loans together with the interest accrued
thereon will be recovered from the D.C.R.G. payable at the time of retirement; provided the
Government servant concerned executes an agreement to the effect and cancels any
the nomination made by him under rule-4 (6) (b) of the New pension rules contained in Appendix-2
of the Punjab Civil Services Rules, Volume-Il, so as to leave Government free to appropriate the
sum found payable to him after retirement in the adjustment of balance of the advance.
Now it is hereby agreed between the parties hereto that in consideration of the said
orders the borrowers, having canceled the nomination made by him under rule-4(6)(b) of the
aforesaid New Pension Rules, hereby authorized the Governor to extinguish the last installment
of the loan together with the interest accrued thereon from the D.C.R.G. payable to the borrower.
In witness, thereof the borrower has hereunto set his hand the day and year first
before witness.
Signed by the said borrower
In the presence of
1. Witness :
2. Signature of DDO
GRANT OF HOUSE BUILDING ADVANCE
17
AFFIDAVIT
Rs. 3/-
I, _______________________ S/o, W/o, D/o _______________________ working
as _________________________ in the _________________________ office of
___________________________ do hereby solemnly declare and affirm that I have not
drawn/drawn any house building advance (under any scheme sponsored by the Government)
for the construction of house/repair of house/extension of house and purchase of plot so far as
per details given below:-
Sr. No. Amount drawn Date of drawal Purpose
1.
2.
3.
4.
5.
I also solemnly declare that I am the sole owner of the plot/house _____________.
It is further certified that the Plot/House in question is free from all encumbrances. I also
declare that I have no other house either in my name or in the name of my family to live in India
and I want to construct a house/repair of house/to extend my house for my own bonafide
residential use on the above plot. Certified that the balance if any, left after the use of the
advance for the purpose it is taken will at once be refunded to Government. Certified that I
have more than five years service period of retirement. I am not likely to retire within five years
from the date of the application.
Place :
DEPONENT
Date :
Verification :
The above information is true to the best of my knowledge and belief and nothing
has been concealed therein.
DEPONENT
GRANT OF HOUSE BUILDING ADVANCE
18
ANNEXURE-V
AFFIDAVIT
Rs. 3/-
I, _______________________ S/o W/o D/o _______________________ employed
as _________________________ under the Government of Haryana do hereby solemnly
declare and affirm that my wife/husband ____________________ is not a Government
employee, and has not applied for or obtained as advance under these rules during the period
of my past service.
I also declare that the plot/house _____________________________ is not/is jointly
owned by me with my wife/husband.
The above information is true and nothing has been concealed therein.
DEPONENT
Place :
Dated :
Verification :
The facts given above affidavit are true to the best of my knowledge and belief and
nothing has been concealed therein.
DEPONENT
GRANT OF HOUSE BUILDING ADVANCE
19
Annexure-VI
I, ____________________________________ authorise the Accountant General,
Haryana to recover from the death-cum-retirement gratuity, which would become due to me on
the date of my superannuation retirement, the balance of outstanding house building advance
with interest, in terms of the penultimate paragraph of the agreement dated _____________ .
Dated: Signature ________________________
Designation of the Government servant
Certified that I hereby cancel the nomination made by me in respect of the deathcum-
retirement gratuity payable to me at the time of retirement.
Dated: Signature ________________________
Designation of the Government servant
***************


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