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) Constructing a new house on a plot already owned singly orjointly with spouse.c) Getting a plot under cooperative schemes and building a housewhere title will vest in the official after the house is built.d) Enlarging living accommodation in a house owned by self orjointly with spouse.e) Constructing the residential portion alone in a shop cumresidential plot in a residential colony.f) Purchase of a ready built house/flat fromi) Government, Semi Government, local bodies, housing boards,development authorities.ii) Self financing Housing schemesiii) Cooperative Housing schemes.iv) Private parties such as registered builders, architects, housebuilding societies etc. , but not from private individuals.g) Conversion of hire purchase of house/flat into outrightpurchase, from State Housing Board or similar governmentcontrolled bodies.h) Repayment of a loan taken for purchase/construction of ahouse/flat if employee had applied for HBA before taking theloan (even if construction has been started already). Loan mayhave been taken from government source, or a non-governmentsource including private institutions, friends and near relatives,PSUs, autonomous bodies and other registered societies fundedby the government. Before obtaining loan from a nongovernmentsource, the employee must apply for HBA and gofor the private loan only when HBA is denied due to paucity offunds.Eligibility :a) All permanent employees.b) Other employees having rendered at least 10 years continuousservice( including military service in case of re-employed exservicemen).c) Members of All India Services( IAS,IPS & IFS) deputed toCentral Government, Public Sector Undertakings under thecontrol of the Central Government, international organizations,autonomous bodies or a private body (These cases should beprocessed by the Head of the parent Department).d) Central government employees on deputation to anotherdepartment or on foreign service (These cases should beprocessed by the Head of the parent department).e) Staff covered under Payment of Wages Act.Page 157 of 157