| Purpose | Construction/purchase of house or flat |
| Under-Construction Property | Purchase from Housing Boards, Development Authorities, Cooperative Societies, approved private builders/projects |
| Additions | Allowed |
| Repairs/Renovation/Alteration | Allowed |
| Furnishing | Can be included within prescribed limits |
| Cost Escalation | Available for existing borrowers with under-construction flats |
| Land/Plot | Purchase of land/plot for house building |
| Eligible Borrowers | Individuals or co-borrowers with assured regular income |
| Examples of Eligible Borrowers | Salaried employees, professionals, self-employed persons, businessmen, farmers, etc. |
| Staff Members | Eligible under public scheme |
| Land/Plot Loan | Maximum ₹100 lakh |
| Repair/Renovation Loan | Maximum ₹100 lakh |
| Furnishing | Up to 25% of Home Loan or ₹100 lakh, whichever is lower, within prescribed LTV |
| Margin up to ₹30 lakh | 20% / 10%* |
| Margin >₹30 lakh to ₹75 lakh | 20% |
| Margin >₹75 lakh | 25% |
| Land/Plot Margin | 25% |
| Security | Equitable/registered mortgage |
| Repayment – Repairs/Renovation | Maximum 15 years including moratorium |
| Repayment – Other purposes | Maximum 30 years including moratorium |
| Construction Moratorium | Completion of construction or 18 months, whichever is earlier |
| Repair/Renovation Moratorium | Completion or 6 months, whichever is earlier |
| Ready House/Flat or Land/Plot | Possession or 3 months from advance, whichever is earlier |
