Purpose	To purchase house / flat or construction of house / flat. Loans shall also be sanctioned for upgradation in the existing house including major repairs. In the case of existing flats, loans shall be sanctioned for increase in living space only. For purchase of house / flat, the house / flat should have been constructed within a period of 15/10 years respectively.
Eligible persons	Any individual in employment with Government / Quasi Government Organizations, Banks and other establishments of repute / private / public sector undertakings with adequate means to repay the principal and interest of the loan shall be eligible to apply for the loan.
Quantum	Rs. 75,00,000
Margin Requirement	PURPOSE FINANCING Purchase of Plot Up to 65% of property value/ loan amount whichever is less. Construction of House Up to 90% of construction cost Extension / Repairs / Renovation Up to 90% of construction cost Purchase of Flat Up to 80% of flat value Balance Transfer Up to 100% of outstanding loan (subject to bank norms) Government Employees availed(House Building Advance) from govt. Additional housing loan over and above HBA, subject to eligibility
Rate of Interest	S.NO CIBIL SCORE Upto 30 Lakhs Above 30 Lakhs 1. 675 – 700 9.25% 9.50% 2. 700 – 750 9.00% 9.25% 3. Above 750 8.50% 8.75%
Loan-to-Value (LTV)	LOAN AMOUNT MAXIMUM LTV Up to ₹30 lakh 90% Above ₹30 lakh to ₹75 lakh 80% Above ₹75 lakh 75%
Repayment period	15 years EMI.