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Housing Building Advance Rate of Interest & Eligibility

Housing building advance (HBA) is applicable for all central govt employees whether permanent or temporary. Temporary employees to be eligible need to have rendered ten years of service. The HBA can be availed only once during the tenure of the service.

New provisions have come into force wef 27 Nov 2008 and following guidelines are enumerated below for HBA:-

  • The maximum limit for grant of HBA shall be 34 months'  of pay in the pay band subject to a maximum of  Rs. 7.50 lakh or cost of the house or the repaying capacity whichever is the least, for new construction/purchase of new house/flat.
  • The maximum limit for grant of HBA for enlargement of existing house shall be 34 months' pay in the pay band subject to a maximum of Rs. 1.80 lakh or cost of the enlargement or repaying capacity, whichever is the least.
  • The cost ceiling limit shall be 134 times the pay in the pay band subject to a minimum of Rs.7.50 lakh and a maximum of Rs.30 lakh relaxable up to a maximum of 25% of the revised maximum cost ceiling of Rs.30 lakh.

Rate of Interest for HBA

Rates varies as per the loan taken by the individual and rate of interest rises with higher rate of interest.

S. No.

Amount of Advance sanctioned to a Government Servant

Rate of Interest on HBA (Per Annum).


Upto Rs. 50,000/-



Upto Rs. 1,50,000



Upto Rs. 5,00,000/-



Upto Rs. 7,50,000/-


You can check Purpose for Which HBA can be granted here.

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