Finance Deparment

Procedure / Admissibility and Check list for House Building Advance to Haryana Government Employees

Download application form for house building advance

Q:- Purpose for which House Building Advance can be granted ?
Ans: House Building Advance can be granted for the following purposes :-
1. Construction of House
2. Purchase of Plot/Constructed House from private source/Housing Board/Registered Society
3. Extension/Repair of House

Q:- What is the Maximum Admissibility for House Building Advance ?
Ans: Maximum Admissibility for House Building Advance for different categories is as under :-

i) For Construction of a House / Purchase of Built-up House from Govt. Agencies/Private Source or Registered Societies.

34 month’s basic pay plus dearness pay plus special pay plus NPA subject to a maximum of Rs.7.50 lakhs or the cost of the built up house allotted by the Govt. Agencies/private source or other registered societies, whichever is less, recoverable in 150 monthly equal instalments.

ii) For Repair of House

7 months basic pay plus dearness pay plus special pay plus NPA subject to a maximum of Rs.1.00 lakh recoverable in 96 monthly equal instalments.

iii) For Extension of a House

8 months basic pay plus special pay plus NPA subject to a maximum of Rs.1.80 lakh recoverable in 96 equal monthly instalments.
The maximum of House Building Advance for Consruction, repair and extension of house will be limited to Rs.10.00 lakh.

iv) For the purchase of plot

60% of the total admissibility of House Building Advance or Price of the Plot, whichever is less, Recoverable in 96 equal monthly instalments.
The balance of 40% can be availed for the construction of House on the plot purchased with loan obtained from the Govt.
All other conditions governing the grant of these advances will remain the same as laid down in the rules / instructions issued by the Finance Department from time to time.
No benefit of Revised Admissibility will be given to those who have already drawn even the first instalment or part of House Building Advance before 25th June, 2004.
The House Building Advance Rules for All India Services will be applicable to the members of All India Services.

Q:- Can Second House Building Advance be admissible to Govt. Employee ?
Ans: Yes, The second House Building Advance can be admissible to Govt. Employees (FD instruction No. 02/02/04-WM(3) dated 01/08/2005) for consturction of House / Built-up House allotted by Govt. agency or other registerd societies or through Private source on the following terms and conditions :
Yes, The second House Building Advance can be admissible to Govt. Employees (FD instruction No. 02/02/04-WM(3) dated 01/08/2005) for consturction of House / Built-up House allotted by Govt. agency or other registerd societies or through Private source on the following terms and conditions :
i. The Second House Building Advance will be granted only if the first House Building Advance was taken 10 year back by the applicant.
ii. No portion of previous loan and interest accrued thereon is outstanding against him and NDC to this effect has been issued by the competent authority.
iii. The sale proceeds of the House built/acquired through first House Building Loan taken from State Government will not be taken into consideration.
iv. The second loan will be granted equal to employees present admissibility ( 34 months basic pay + DP + NPA+SP, subject to a maximum of Rs. 7.50 lakh or cost of house which ever is less ) minus (-) amount of first HBL taken by him.

Q:- Can House Building Advance be raised from another Financial Institution in addition to House Building Advance already taken from Government ?
Ans: Yes, The govt. employee can raise another loan from other financial institution like, Housing Development Financial Corporation, Housing Societies, Apex Bank, other banks for the construction / completion of the house etc by mortgaing the same property again, which already stands morgaged with the govt., “Pari-Pasu Charge” is allowed.

Checklist for Advance for the Construction of House:-
1. Application on the prescribed Performa duly filled and signed by the applicant and duly recommended by the Competent Authority of the Department with following s :-

i ) Agreement Form (Annexure III)
ii) Recovery of outstanding loan form DCRG (Annexure VI)
iii ) In case of regular employee surety from one permanent Haryana Government employee on non-Judicial stamp paper worth Rs.15.or if confirmed copy of the confirmation letter.
iv) 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 any where in India with details of loan earlier taken if any.
v) Affidavit on judicial paper worth Rs.3/- ( Annexure-V regarding Joint ownership of the house/plot)
vi) In case of Joint ownership, a No Objection Certificate from the spouse for mortgaging her / his share of the property in the name of Governor of Haryana.
vii) a) Allotment letter and possession letter in case of HUDA Plot.
b) Clear title of plot duly verified by Tehsildar/Revenue Authority in case the plot is in Lal Dora.
c) Registry of plot in general cases.
d) Map duly passed by MC in case the plot is in Urban Area and by Tehsildar in case it is in Rural Area.
2. Details of any House Builiding Advance taken earlier clearly indicating :-
a) Basic pay at that time
b) Financial Year .
c) Purpose of Advance taken and the amount drawn with a copy of sanction letter
d) Mortgage of previous advance
3. Col. 1 to 13 of application form must be verified by DDO.

Q :- What is the procedure for Drawl of Advance for construction of House.
Ans: Advance for the construction of House is granted in three installments as under : –
1. First Installment equal to 40% of admissibility for starting the construction. After the first installment utilization certificate that the construction has been completed up to plinth level should be submitted duly verified by HOD/DDO with a report from HOD that applicant has submitted the mortgage deed of the house and kept in office record.
2. Second Installment equal to 30% is admissible after the house has been brought to plinth level. Utilization certificate stating that the roof have been laid should be submitted duly signed by HOD/DDO.
3 Third Installment equal to 30% is admissible after the house has been completed up to roof level. Utilization certificate to the effect that the house has been completed should be submitted.

Q:- What is the Procedure for Recovery of Advance for construction of House.
Ans: 1. The recovery of Advance granted for the construction of house shall start from the 13th issue of employee’s pay from the drawl of the first installment, and from the 4th issue of the pay in case of Advance for the purchase of plot / built up house and repair / extension of house .

Checklist for Purchase of Plot:-

1. Application on the prescribed Proforma duly filled and signed by the applicant and dulty recommended by the Competent Authority of the Department with following s :-
i ) Agreement Form (Annexure III)
ii) Recovery of outstanding loan form DCRG (Annexure VI)
iii ) In case of regular employee surety from one permanent Haryana Government employee on non-Judicial stamp paper worth Rs.15.or if confirmed copy of the confirmation letter.
iv) Affidavit on judicial paper worth Rs.3/- that applicant has no other plot/ house in his/her name or in the name of his/her family members any where in India with details of loan earlier taken if any.
v) Affidavit on judicial paper worth Rs.3/- ( Regarding Joint ownership of the house/plot)
vi) In case of Joint Ownership, a No Objection Certificate from spouse for mortgaging her / his share of the property in the name of Governor of Haryana.
vii) a) Allotment letter in case of HUDA Plot.
or
Agreement deed with party from whom the plot will be purchased.
b) Departmental permission for purchase of plot under Employees’ Conduct Rules.

2. Details of any House Builiding Advance taken earlier clearly indicating :-
a) Basic pay at that time
b) Financial Year .
c) Purpose of Advance and the amount drawn with a copy of sanction letter
3. Col. 1 to 13 of application form must be verified by DDO.

Checklist for Purchase of Built up House from Private source / Housing Board / Registered Society:-

1. Application on the prescribed Performa duly filled and signed by the applicant and duly recommended by the Competent Authority of the Department with following s :-
i ) Agreement Form (Annexure III)
ii) Recovery of outstanding loan form DCRG ( Annexure VI
iii ) In case of regular employee surety from one permanent Haryana Government employee on non-Judicial stamp paper worth Rs.15.or if confirmed copy of the confirmation letter.
iv) Affidavit on judicial paper worth Rs.3/- that applicant has no other plot/ house in his/her name or in the name of his/her family members any where in India with details of loan earlier taken if any.
v) Affidavit on judicial paper worth Rs.3/- ( Annexure-V regarding Joint Ownership of the house/plot)
vi) In case of Joint ownership, a No Objection Certificate from spouse for mortgaging her / his share of the property in the name of Governor of Haryana.

2. Details of any House Builiding Advance taken earlier clearly indicating :-
a) Basic pay at that time
b) Financial Year .
c) Purpose of Advance and the amount drawn with a copy of sanction letter
3. Col. 1 to 13 of application form must be verified by DDO.
4. 1. From Private Source :
a) Agreement deed with the owner of House from whom the built up house is to be purchased.
b) Departmental permission for purchase of house under Employees Conduct Rules.
c) Valuation of the House from appropriate revenue authority or MC etc.
2. From Housing Board :

a) Allotment letter of the housing board or from any other government agency.
b) Surety of two confirmed government employees on Stamp paper worth Rs. 15/- in lieu of mortgage of house.
3. From Registered Housing Society :
a) Proof of Membership of Society with complete details of Society / Land and cost of the unit.
b) Surety of two confirmed government employees on Stamp paper worth Rs. 15/- in lieu of mortgage of house.
c) 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 prior consent of the concerned Housing Society to this effect.
d) Full comprehensive insurance of the flat/house against damage by fire, flood and lightening.

Checklist for Repair / Extension of House :-
1. Application on the prescribed Proforma duly filled and signed by the applicant and recommended by the Competent Authority of the Department with following s :-
i ) Agreement Form (Annexure III)
ii) Recovery of outstanding loan form DCRG (Annexure VI )
iii ) In case of regular employee surety from one permanent Haryana Government employee on non-Judicial stamp paper worth Rs.15.or if confirmed copy of the confirmation letter.
iv) 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 any where in India
v) Affidavit on judicial paper worth Rs.3/- regarding Joint ownership of the house ( Annexure-V )
vi) In case of Joint ownership, a No Objection Certificate from spouse for mortgaging her / his share of the property in the name of Governor of Haryana.
vii) a) Allotment letter and possession letter in case of Housing Board house.
b) Clear ownership of the house duly verified by Tehsildar/Revenue Authority.
c) in case of Extension of House Map duly verified /passed by MC or Revenue Authority,/ Tehsildar in case it is in Rural Area.
d) Completion certificate in case of house falls in Urban area by the Competent Authority.
2. Details of any House Builiding Advance taken earlier clearly indicating :-
a) Basic pay at that time
b) Financial Year .
c) Purpose of Advance and the amount drawn with a copy of sanction letter
3. Col. 1 to 13 of application form must be verified by DDO.
4. Loan is granted for repair/extension after 5 years of possession in case applicant has not obtained loan form Govt. for construction of house.
5. Loan is granted for repair/extension after 10 years in case applicant has already obtained loan form Govt. for construction of house.

Procedure for Marriage Loan

Download application form for marriage advance

Q:- Purpose for which Marriage loan can be granted ?
Ans: Marriage Loan can be granted for Celebration of Marriage of Son/Daughter/Sister/Legally adopted children to regular Govt. Employees of class-II, III and IV.

Q:- What is the eligibility criteria for Marriage Loan?
The Marriage Advance will be admissible to employees for such daughters / sisters who have attained the age of 18 years and sons after attaining the age of 21 years.
The Number of advances to a Government servant during the whole service will be restricted to two only. The Second advance will be granted subject to the condition that the balance of first advance and the advance sanctioned for the second child’s marriage does not exceed the maximum admissible amount of advance under each category separately.
For sister’s marriage the employee shall have to produce an affidavit on non Judicial paper of Rs.3/- to the effect that he is the eldest Govt. employee in the family and the sister for whose marriage loan is being obtained is wholly and solely dependant upon him , and financial condition of the parents is such that they cannot perform marriage by themselves.
No marriage loan will be sanctioned by Finance Department if the application is received after the solemnization of marriage.
Application complete in all respects must reach FD through HOD at least two months earlier to the exact date of marriage.

Sr.No. Purpose Admissibility Conditions/limit
1. Loan for the marriage of daughter/sister  w.e.f. 06/05/2005

Rs.1,00,000/- or 15 month’s basic pay (including D.P/Spl.Pay and NPA) whichever is less, recoverable in 100 monthly installments.
2. Loan for the marriage of son w.e.f. 06/05/2005 Rs.60,000/- or 10 months basic pay (including D.P/Spl.Pay and NPA) whichever is less, recoverable in 100 monthly installments.

Checklist For Marriage Advance:-

1. Application Form duly filled and signed by the applicant and also verified and signed by the competent authority of the concerned department along with Agreement Form and Annexure-IV .
2. Date of Birth certificate of Son / daughter issued by one of the following authorities:-
a) Birth Certificate from Registrar, Birth and Death, Health Department.
b) Attested copy of certificate issued by University / Board or School Leaving certificate (in case of certificate from private school, the certificate should be countersigned by BEO/SDEO/DEO concerned)
c) Age certificate issued by the Civil Surgeon on the basis of physical appearance
3. In case of regular employee surety from one confirmed Haryana Government employee on non-Judicial stamp paper worth Rs.15. or Copy of Confirmation order of the applicant if permanent.

Procedure of loan for the Purchase of Conveyance

Download application form for Car/Motor Cycle/Scooter/Moped advance

Q:- Purpose for which Conveyance loan can be granted ?
Ans: Conveyance loan can be granted for purchase of Car / Motor Cycle/ Scooter / Moped/Bi-Cycle.
Q:- What is the eligibility criteria for Conveyance Loan?

Sr.No. Category Admissibility Conditions Limit of Advance and Instalments of recovery
1. Purchase of Motor Car Govt. employees drawing Basic pay of Rs.12000/- including D.P / Spl. pay/NPA p.m or above Rs.2,50,000/- or the actual price of vehicle whichever is less, recoverable in not more than 100 equal monthly instalments.
2. Purchase of Motor Cycle/Scooter Government employees drawing Basic pay of Rs.6000/- including D.P / Spl. pay/NPA p.m or above Rs.40,000/- for motor cycle, Rs.30,000/- for scooter or the actual price of the vehicle whichever is less recoverable in not more than 100 equal monthly instalments.
3. Purchase of Moped No Pay Limit Rs.20,000/- or actual price whichever is less recoverable in not more than 100 equal monthly instalments.
4. Purchase of Bicycle No Pay limit Rs.1800/- or the actual price of the bicycle whichever is less recoverable in not more than 20 equal monthly instalments.

The number of conveyance advances during the whole service will be restricted to two only.

Checklist Of Motor Conveyance Loan

1. Application form duly filled and signed by the applicant and also signed by the competent authority of the concerned department along with Agreement deed (Form PFR-21)/ Annexure-IV (DCRG) and invoice of vehicle from Authorized Dealer or agreement for the purchase for second hand vehicle.
2. The type of vehicle should be clearly mentioned on the application form.
3. The Proof of confirmed Haryana Government employee if confirmed.
4. In case of regular employee surety from one confirmed, Haryana Government employee on non-Judicial stamp paper worth Rs.15 is required.
5. The vehicle should be purchased within a period of one month from the drawl of advance.

For Second Motor Conveyance Loan

a. Sale proceeds of previous vehicle purchased with Govt. loan
b. N.D.C. of first advance in case of Motor Conveyance.
c. For the purchase of second hand vehicle, permission of Head of Department is essential.
d Second advance application will be considered after three years from the grant of first advance.

6. A Mortgage Bond in PFR-22 with photocopies of vendor’s receipts / comprehensive insurance / registration certificate after hypothecating the vehicle in favour of Governor of Haryana, will be submitted by the applicant to the sanctioning authority.

Checklist Of Cycle Loan

1. Application form duly filled and signed by the applicant and also signed by the competent authority of the concerned department along with Agreement deed (Form PFR-21) and Invoice of cycle.
2 . The Proof of confirmed Haryana Government employee if confirmed.
3 . In case of regular employee, surety from one confirmed Haryana Government employee.
4 . The number of cycle advances during the whole service will be restricted to two only.
5 Second advance application will be considered after three years from the grant of first advance.
6 . The Cycle should be purchased within a period of one month from the drawl of an advance.
7. A photocopy of vendor’s receipt will be submitted by the applicant to the sanctioning authority.

Procedure for Purchase of Computer

Download application form for computer advance

Q:- Purpose for which Computer loan can be granted ?
Ans: Computer loan can be granted for purchase of Computer.

Q:- What is the eligibility criteria ?

Admissibility Condition Limit of advance and instalments of recovery.
Govt. employees drawing Basic pay of Rs.9000/- p.m. including D.P./Special Pay/ NPA) Rs.40,000/- or the actual price of the computer, whichever is less, recoverable in not more than 100 equal monthly instalments.

The number of computer advances during the whole service will be restricted to two only.

Checklist Of Computer Advance
1. Application form duly filled and signed by the applicant and also signed by the competent authority of the concerned department along with Agreement deed (Form PFR-21)/ Annexure-IV (DCRG) and Invoice of computer from Authorized Dealer.
2. The Proof of confirmed Haryana Government employee if confirmed.
3. In case of regular employee, surety from one confirmed Haryana Government employee on non-Judicial stamp paper worth Rs.15 is required.
4. The computer should be purchased within a period of two month after the drawl of an advance.
5. The photocopies of vendor’s receipt / comprehensive insurance in favour of Governor of Haryana will be submitted by the applicant to the sanctioning authority.

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