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Home Loan – HPSCB Apna Ghar Rin Yojna

 

PARTICULARS DETAILS
House Loan HPSCB HOME LOAN makes your dream home come true!!
Beneficiaries Regular/Contract Employee(having 1 Year Service) / Non-Employee
Purpose Construction/Purchase/Extension/Repair/Renovation/Furnishing of House/Flat / Purchase of Plot
Eligibility
  1. Employee – (Basic Pay + Grade Pay + IR)* 100
  2. Non-Employee – (Certified Monthly Income)* 100

Plot Purchase

  1. Employee – (Basic Pay + Grade Pay + IR)* 40
  2. Non-Employee – (Certified Monthly Income)* 40
Margin Employee 10%, Others 20%
Security
  • Employee – Salary Account and Guarantee of Spouse
    OR
    DDO Undertaking and One Guarantor

Non Employee

  • One Regular Govt. Employee Guarantor
    OR
    One or more guarantor(s) having adequate net worth

Creation of Charge & Insurance of house is compulsory for all.

Quantum
  1. Employees:
    Urban/Rural : Rs. 30 Lakh (Maximum)
  2. Non-Employees:
    Urban : Rs. 30 Lakh (Maximum)
    NAC/NP/SADA: Rs. 25 Lakh (Maximum)
    Gram Panchayat: Rs. 20 Lakh (Maximum)
  3. Purchase of Plot: Rs. 15 Lakh (Maximum) for All.
  4. Repair/Renovation/Extension: Rs. 1 Lakh (Maximum) for All.
Repayment 20 Years (Maximum)