House purchase and building advances rules and form for Karnataka state government employees

House Building Advance for Government Employees

House Purchase Advance Govt Employees

House Repair Advance Government Staff

HBA Loan for Central Government Employees

Government Employee Housing Loan Scheme

House Construction Loan for Govt Servants

Home Loan Benefits for Government Employees

HBA Rules for Central Government Employees

7th Pay Commission House Building Advance

Title: Central Govt House Repair Advance Rules

HBA Eligibility Central Govt Employees

File Language: English or Kannada

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Which Department: Education

State: Karnataka

Published Date: December 2025

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File size: 8456 KB

Number of pages: 12

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Interest Rate on HBA Central Government

Maximum HBA Amount for Govt Employees

House Building Advance (HBA) is a financial facility provided to Central and State Government employees to help them purchase land, construct a house, buy a ready-built house, or carry out major repairs. It is usually offered at a low or nominal interest rate and repaid through monthly salary deductions. The amount sanctioned depends on basic pay, service length, and government rules in force. Employees must meet eligibility conditions and submit required documents for approval. HBA helps government employees achieve home ownership with affordable repayment terms and long repayment periods.

Under the latest government rules, the maximum House Building Advance amount is generally linked to the employee’s basic pay, length of service, and repayment capacity. The advance is repaid through convenient monthly instalments deducted directly from salary, usually over a long repayment period. Both serving employees and certain categories of permanent staff are eligible, subject to prescribed conditions.

To apply for HBA, government employees must submit an application form along with essential documents such as salary details, service certificate, property documents, and construction estimates. Many departments now allow online submission of HBA applications for faster processing.

House Building Advance for government employees not only reduces financial burden but also encourages home ownership. Due to low interest rates, flexible repayment options, and clear guidelines, HBA remains a preferred housing loan option among Central and State Government employees across India.