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f) Advance shall be granted in respect of only one house/flat inthe entire service.g) Employee should not have taken any loan from any othergovernment source/semi government bodies /Housingbodies/local bodies/development authorities etc. However,where the employee has taken any such loan he shouldundertake to repay such loans with interest in one lump.h) Advance for ready built house will be only for outrightpurchase.i) In case of construction of residence on a shop cum residentialplot in a residential colonyi) Cost of land + cost of superstructure for both residenceand shop(s) should not exceed the prescribed cost ceiling.ii) Entire property including shop(s) should be mortgaged.iii) Entire building including shop(s) should be insuredagainst fire, lightening, floods etc.j) In case of HBA for enlargement of the housei) Funds will be arranged from the officer’s own resourcesand this does not in any way affect his repaying capacity( adeclaration of the employee to that effect is needed).ii) Two years should have elapsed after completion of thehouse( as per completion certificate).iii) Certified copy of approved plan is to be furnished.iv) The foundation is capable of taking additional load.v) HBA + loan raised from other institutions shall berestricted to the prescribed cost ceiling.k) In case of Central Government employees on deputation, thecase is to be processed by the parent department.l) Sanctioning authority should be satisfied that employee islikely to be in service till the house is built and mortgaged.m) The advance should be utilised only for the purpose it issanctioned. Misutilisation of advance shall entail disciplinaryaction. Any unutilised amount should be refundedimmediately.Creation of second chargeGovernment servants may create a second charge on theproperty subject to the following conditions:i) Prior permission of the Head of the Department should beobtained.Page 160 of 160