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Note :i) Employees of Union Territories and North East FrontierAgency(NEFA) are also eligible as per the above criterion.ii) If both husband and wife are Central Government employeesand are eligible for HBA, the advance shall be admissible to only oneof them.iii) Central Government servants under suspension are alsoeligible for advance subject to the condition that collateral security inthe shape of mortgage bond from two permanent Central Governmentservants is obtained.Cost ceiling of the House:Cost of the house (excluding cost of land) should not exceed200 times of pay (basic pay + stagnation increment + non-practicingallowance) subject to a maximum of Rs 18 lakhs and a minimum ofRs 7.5 lakhs. Thus, where the cost ceiling according to basic pay isless than 7.5 lakh an employee can avail HBA forbuilding/purchasing a house as if costing Rs.7.5 lakhs. In case of selffinancing scheme, cost ceiling will be inclusive of land anddevelopment charges. Ceiling maybe relaxed upto 25% by theAdministrative Ministry/Department in appropriate cases.Amount of advance:Sl Purposeno.1 For construction of ahouse in an existingplot in urban areas2 For purchasing a plotand constructing ahouse thereon3 For purchasing a readybuilt house4 For enlargingaccommodation in anexisting house in urbanareaAmount of advance50 times pay( i.e. basic pay + SI +NPA ) of the employee or Rs 7.5 lakhsor the estimated cost, or repayingcapacity, whichever is least.- As above -- As above -50 times of pay + SI + NPA or Rs 1.8lakhs or the estimated cost or therepaying capacity whichever is theleast.Page 158 of 158