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253-A
Advances
to
Government
servants
for
the
construction
of
houses
are
theDrawing and Disbursing Officer shall arrange for the direct payment of
thesanctioned amount to the agency concerned and obtain a valid receipt in
thename of the Government servant from that agency and hand over the
same tohim.
N o t e
3 .
- H o u s e
f o r
b u i l d i n g
a d v a n c e s
c o n s t r u c t i o n / p u r c h a s e
o f h o u s e s
i n
t e r r i t o r y
m a y
t h e F e d e r a l
A z a d
a l s o
K a s h m i r
b e
g r a n t e d
G o v e r n m e n t
d o m i c i l e d
t o
s e r v a n t s
i n
A z a d
K a s h m i r s u b j e c t
t o
u s u a l
c o n d i t i o n s .
N o t e
4 .
- G o v e r n m e n t
e n t i t l e d
t o
c o n s t r u c t i o n
f r o m
f r o m t h e
f r o m
a r e
a d v a n c e s f o r
h o u s e s
e i t h e r
G o v e r n m e n t
H o u s e
F i n a n c e
n o t
d r a w
o f
t h e
s e r v a n t s
o r
B u i l d i n g
C o r p o r a t i o n
b u t
b o t h .
i.
deleted.
ii.
All
buildingsuitable
houses for the personal residence of the officers concerned, andif more is advanced
than shall be actually expended for the purpose, thesurplus shall be refunded to
Government.
iii.
Advances for the construction of new houses may
be drawn in two equalinstallments. The first installment will be paid on the production
ofdocuments establishing proprietary rights in the land and the secondinstallment will
be
paid
only
when
the
house
reaches
plinth
level. Advances
granted
1 .
t h e
a u d i t
- T h e
a d v a n c e s
s h o u l d
c e r t i f i c a t e
f r o m
t h e
t h e
t h e
b e
f o r
d r a w a l
a c c o m p a n i e d
i n t h e
f o l l o w i n g
o f g a z e t t e d
d r a w i n g
t h e
w h e n p r e s e n t e d
C o n t r o l l i n g
c a s e
n o n -
b i l l s
o f f i c e r
b y
o f f i c e r s
g a z e t t e d
f o r m
O f f i c e r
i n
t o
r e s p e c t
i n
a n d
o f
G o v e r n m e n t
s e r v a n t s .
Certified that Mr. ---------------------------who has been granted a House-Building
Advance of Rs. -------------has *produced documents stating proprietaryrights in the
land on which the house is proposed to be built *| (satisfied me thatthe house has
reached the plinth level.Signature of Controlling/Drawing Officer*This portion may be
deleted if the bill is drawn for the second installment.
N o t e
s h a l l
2 .
b e
U t i l i s a t i o n
f u r n i s h e d
f o l l o w i n g m a n n e r :
c e r t i f i c a t e
i n
t h e
1.Where the house building advance is drawn in installments. -At the endof six
months of each installment.2.Where full advance is drawn in one installment. At the
end of one yearfrom the drawl of advance.
iv.
No advance shall exceed 24 months pay of a former superior service-Government
servant and 36 months pay of a former Class IV Governmentservant, to whom it is
made. Not more than one advance shall be made toa Government servant for the
same house or for another house at thesame station, or at any other station. A
second advance may, however, be granted to a Government servant forthe
construction of a house in Islamabad provided he has fully repaid theadvance
previously drawn from the Government with interest thereon.
N o t e
1 .
T h e
a d m i s s i b l e
l e s s
t h a n
c a s e
o f
f u l l
o n l y
4 7
a g e
I V
i n
o f
f i r s t
a n d
t h e
y e a r s
f o r m e r
C l a s s
s e r v a n t s
o n
c a s e o f
s e r v a n t s
f o r m e r
s e r v a n t s
3 8
a r e
s h o u l d
s o
m u c h
a s
r e c o v e r y
a t
t h a n
p a y
4 7
y e a r s
a n d
I V G o v e r n m e n t
a b o v e
b e
t h e
r a t e
t h e
a g e
o f
t h e
r e d u c e d
o f
i n
a n y
o f
n o t
t h e
m o r e
t h e G o v e r n m e n t
o n e
t o t a l a m o u n t
i n c l u d i n g
a r e
w o u l d e n a b l e
1 / 4 t h
s e r v a n t s
t h e .
t h o s e
t h e a m o u n t
a d v a n c e
t h e
s e r v i c e
w h o
C l a s s
w h o
y e a r s
o r
t h e
o f
o f
t h e
a g e
t h e
3 8
s u p e r i o r
G o v e r n m e n t
t h e
i n
i n s t a l l m e n t
f o r m e r
t h o s e
a g e
s u p e r i o r s e r v i c e
c a s e o f
I n
b e
w h o a r e
t h e r e p a y m e n t
a d v a n c e .
a b o v e
o f
s e r v a n t s
t h e
w i l l
t h o s e
y e a r s
G o v e r n m e n t
d a t e
o f
t o
f o r m e r
G o v e r n m e n t
o f
a d v a n c e
i n t e r e s t ,
m o n t h
o f
a d v a n c e d
p o s s i b l e
b e f o r e
t h e r e t i r e m e n t
G o v e r n m e n t
a
s e r v a n t .
y e a r s
o f
o f
t h e
t h e
i n s t a n c e
b u i l d i n g
n u m b e r
o f
( i
d a t e
w h i c h
6 0 , ;
t o
h o u s e
i .
t o
h i s
e . ,
t h e
f o r
s e r v a n t
5 5
i s
e q u a l
m o n t h s
t h e G o v e r n m e n t
i s
o n
g e t
a d v a n c e
m o n t h s P a y
w h o
a d v a n c e
c o m m e n c e , s h o u l d
t h e
s e r v i c e
s e r v a n t
a g e o n
r e c o v e r y
t o
F o r
f o r m e r s u p e r i o r
G o v e r n m e n t
1 5
o f
w h i c h
h a s
s t i l l
s e r v e ) .
N o t e
2 .
r e v i s e d
T h e
a d v a n c e s
o n
t h e
t h e G o v e r n m e n t
c o n c e r n e d
s u b j e c t
m a y
b e
r e q u e s t
o f
s e r v a n t s
t o
t h e
f o l l o w i n g c o n d i t i o n s :
i.
The increase in pay otherwise than by accrual of time scaleincrements in not less
than 20%.
ii.
The net amount payable against the revised sanction be arrived atafter
the adjustment or any amount drawn against the originalsanction, whether that
amount, or any portion thereof, has beenrepaid or not.
iii.
The installments of recovery shall be refixed so as to recover thetotal amount minus
the amount already repaid within the maximumperiod originally prescribed.
iv.
The revision will be admissible only if the event entitling theGovernment servant for
the revision of the advance takesplace within a period of 12 months prescribed for
the completion ofhouse from the date of the drawal of the first installment of
advancefor construction, as distinct from the installment for developmentcharges.
v.
The revision will not be allowed, if the house has been completedand occupied by
any one.
vi.
If the mortgage deed already executed and registered stands forthe advance
originally sanctioned, the mortgagor may be requiredto execute a new separate deed
in form G. F. R. 34. The new deedshould also be registered under the
Registration Act.
v.
Advances will be recovered by the deduction of monthly installments, ofnot less than
20% of the pay of the Government servant concerned frombis pay bills. In the case
of those who at the time of the repayment of thefirst installment of the advance are
more than 47|38 years of age, the rateof recovery will be such higher rate than 20%
of pay as would enable therecovery of the principal together with interest possible
before theretirement of the officer. The authority sanctioning an advance may
permitrecover to be made in a smaller number of installments, if the officerreceiving
the advance so desires. The amount of interest calculated inaccordance with para.
251 will be recovered in one or more installments,
each such installment being not appreciably greater than the installmentsby which
the principal was recovered.The recovery of interest will commence from the month
following this inwhich the whole of the principal has been repaid.
N o t e
1 .
- - T h e
a d v a n c e
t o
m o n t h l y s h o u l d
r u p e e s
a m o u n t
b e
i n
f i x e d
t h e
l a s t i n s t a l l m e n t
r e m a i n i n g
i n
c a s e
i n
l e a v e
c a s h
G o v e r n m e n t
a n y
s u c h
t h e
i n c l u d i n g
r u p e e ,
2 .
s h o u l d
a n y
s h o u l d
b e
d u r i n g t h e
w i t h o u t
o f
t h e
r e c o v e r e d . N o t e
i n s t a l l m e n t s
w h o l e
w h e n
b a l a n c e ,
f r a c t i o n o f
t h e
r e c o v e r e d
b e
e x c e p t
o f
- T h e
r e c o v e r e d
p e r i o d s
p a y .
I f
s e r v a n t f a i l s
i n s t a l l m e n t s
b e
t h e
t o
i n
o f
p a y
c a s h ,
t h e
a r r e a r s
f a l l i n g
d u e
l e a v e
f i r s t
i n
p e r i o d
t h e
l u m p
s u m
t h e
o f p a y
w h i c h
t h a t
b e
f r o m
m a y
o r
b e c o m e
G o v e r n m e n t s e r v a n t
o f
o f
p a y s h o u l d
p a y m e n t
a l l o w a n c e s
e n d
d u r i n g
w i t h o u t
r e c o v e r e d
t o
o f i n s t a l l m e n t s
d u e
a t
t h e
l e a v e
.
vi.
In order to secure Government from loss consequent on a Governmentservant dying
or quitting the service before complete repayment of theadvance with interest
accrued thereon in accordance with para 251, thehouse so built together with the
land it stands upon must be mortgaged toGovernment, by whom the mortgage will
be released on liquidation of thefull amount due.
N o t e - T h e
m o r t g a g e
p r e p a r e d
t h e
F .
i n
r e
R .
f o r m
b o n d
G .
w i l l
F .
c o n v e y a n c e
R .
i n
b e
2 3 a n d
f o r m
G .
2 4 .
vii.
The officer must satisfy the sanctioning authority regarding his title to theland upon
which the house is or is proposed to be built.
N o t e
n o t
1 .
r u l e
t h e
g r a n t
P r e c l u d e
a d v a n c e
p o s s e s - ,
i n
- T h i s
t o a
p e r s o n
f u l l
t o
u p o n
b u i l d ,
o f
d o c s
p r o p r i e t a r y
t h e l a n d
i n t e n d s
w h o
d o e s
t h a t
l e a s e
p o r t i o n
o f
i s
s u f f i c i e n t
t h e
w h i c h
p r o v i d e d
o f
t o
t e r m
h e
t h e
i s
a p p l i c a n t
w h i c h t h e
n o t
r i g h t s
s a n c t i o n i n g a u t h o r i t y
s a t i s f i e d
a n
h a s
u n e x p i r e d
a n d
j u s t i f y t h e
v a l u e
g r a n t
o f
t h e
n o
d a n g e r
o f
a d v a n c e ,
o f
a n d
t h e l e a s e
G o v e r n m e n t
d i s p o s e
o f
t o
m o r t g a g e .
t o
t i t l e
o r
u n a b l e
t o
i t
c a r e
p r e v e n t
a n y
l e s s e e ( t h e
t h e
b e c o m e
t h e
t h e
s h o u l d
l e a s e
s u b d e m i s e
b e
d o e s
b y
t h e
m o r t g a g o r ) .
b o n d
b e p r e p a r e d
i n
i n
f o r m
i s
l a p s i n g
f o r e c l o s e
s e e t h a t
m o r t g a g e
t h e r e
I n e x a m i n i n g
m o r t g a g o r ' s
n o t
b e i n g
i t , s h o u l d
n e c e s s a r y
t a k e n
t h a t
T h e
s u c h
c a s e s
G .
R .
F .
w i l l
2 5 .
In cases in which ground rent, municipal taxes and similar- dues arepayable to local
authorities on account of land taken on lease, the sanctioningauthority may, - at its
discretion ask the Government servant taking the advanceto produce for inspection
receipts for these payments within fifteen days of theirfalling due. If the sanctioning
authority finds that such dues have not been paidby the borrower steps may be
taken to recover the said dues including interestthereon, if any, from the pay of the
Government servant concerned for paymentto the parties concerned.
N o t e
2 .
- T h e
a p p l i c a n t ' s
t h e
p r o p e r t y
b y
t h e
b e f o r e
p a i d ,
a n y
o f
t h e
a n d
t h a t
c a s e s
a s
w h e r e
i s
t h e
t h a t
t h e
h e h a s
l a n d
R e v e n u e
L a w
s h o u l d
u n d i s p u t e d
o n
i f
a d v i c e
O f f i c e r s
s h o u l d
I t
i s
t h e v a l i d i t y
a u t h o r i t i e s o r
l e g a l
o f G o v e r n m e n t
t h e r e
t h e
t e c h n i c a l
n e c e s s a r y ,
i s a c t u a l l y
t o
t i t l e ,
R e g i s t r a t i o n
c o n s u l t e d .
a u t h o r i t y
a d v a n c e
i n
t o
b e e x a m i n e d
s a n c t i o n i n g
d o u b t
a n d
s h o u l d
t i t l e
w h i c h
b e
b e
s e e n
t i t l e
t o
i t
i s
p r o p o s e d
w i l l
b e
t o b u i l d
n o
a n d
l e g a l
a n d
w i l l h a v e
r i g h t
t h e
i n t h e
3 .
- T h i s
p r e c l u d e
f o r
t h e
f r o m
h o w e v e r ,
f o r m
m a d e
N o t e
4 .
o f
l a n d t a k e n
t h a t
t o
t h e
2 6 .
o f a
s e r v a n t
o f
o f
s h o u l d
t h e
O f f i c e r
t h e
w h i c h
t h e
o r s e p a r a t e l y ,
t h a t
t h e
i n
t h e
a s k i n g
p a y m e n t ,
p r i n c i p a l
i n
a n d
G o v e r n m e n t
w h e n
f o r
i n
n o n -
s e r v a n t
c e r t i f i c a t e
e f f e c t
w i l l
O f f i c e
a
c o n c e r n e d a
d r a w n ,
n o t e
t h e
g a z e t t e d
t h e a u t h o r i t y
b i l l
i n
A d v a n c e s
t h i s
H e a d
C o n t r o l l i n g
t o
a p p l i c a n t
a g r e e m e n t
u n d e r
o f
c a s e s
s u b j e c t
c a s e
c a s e
T h e g r a n t
s u c h
g a z e t t e d G o v e r n m e n t
t h e
i n
i n i n s t a l l m e n t s .
- T h e
t h e
b u i l d i n g
R .
s a n c t i o n e d
b e
o f
i n
a n
G . F .
a l s o
o f a d v a n c e s
K a r a c h i .
t h e c o n d i t i o n
e x e c u t e s
n o t
G o v e r n m e n t
a d v a n c e
i s ,
d o e s
p l o t s
N a z i m a b a d ,
a n
m e n t i o n e d
b o n d .
p u r p o s e
l e a s e
t o
f o r e c l o s i n g
g r a n t
o n
t h e
G o v e r n m e n t
o f
r u l e .
t h e
h o u s e s
o n
t h a t
c o n d i t i o n s
m o r t g a g e
N o t e
t o
m o r t g a g e d
G o v e r n m e n t ;
o n
t h e r e
o b s t a c l e
p r o p e r t y b e i n g
t h e
t h a t
f o r
s e n d
A u d i t o r
e i t h e r
a d v a n c e
t o
m o r t g a g e
i n
i s
t h e
b o n d
i n
f o r m
G -
F . R .
e x e c u t e d
b y
s e r v a n t
t h a t
t h e
i t
h a s
5 .
b e e n
b e e n
a d v a n c e
d u l y
a n d
r e g i s t e r e d .
- T h i s
p r e c l u d e
h a s
G o v e r n m e n t
t a k i n g t h e
N o t e
n o t
2 3 / 2 5
r u l e
t h e
d o e s
g r a n t
o f
a d v a n c e s
f o r t h e
p u r p o s e
o f
b u i l d i n g
h o u s e s
o n
o f
l a n d
a c q u i r e d
p l o t s
i n K a r a c h i
t h e
t h r o u g h
c o - o p e r a t i v e
h o u s i n g
s o c i e t i e s
r e g i s t e r e d u n d e r
o p e r a t i v e
t h e
B o m b a y
S o c i e t i e s
e v e n t h o u g h
i n
A c t ,
s u c h
o f
o n
h o u s e
g r a n t
t h e
o f
s u b j e c t
t h e
9 9
o r
5 0
p l o t
t h e a d v a n c e
t o
t h e
l a n d
c o n c e r n e d
c o n d i t i o n s
f r o m
t h e
w i l l
a l i e n a t i n g t h e
y e a r s
o f
w i l l
c o n d i t i o n
o n s u c h
a s
t o
a l l o t t e d .
G o v e r n m e n t s e r v a n t
a c q u i r e
f r o m
e n t i t l e d
t h e c o m p l e t i o n
o n
t h e
s e r v a n t
c o n c e r n e d b e c o m e s
o n l y
1 9 2 5
c a s e s
G o v e r n m e n t
l e a s e
C o -
s h a l l
t h e
T h e
b e
t h a t
n o t
s o c i e t i e s
t e r m s
a n d
p r e v e n t
h i m
l a n d .
the total house building advancesanctioned in his case. At the time of drawal of this
installment he must be called
upon to execute an agreement in Form G. F. R. 31. This installment is intendedto
enable him to start building the house and to complete at least the plinth. Assoon as
practicable and in any case, not later than three months from the date ofthe drawal
of this installment, he must produce a certificate from the ExecutiveEngineer
appointed by the Government for the purpose to the effect that theplinth has been
finished. Thereafter, he should be asked to execute a mortgagedeed in Form G. F. R.
25. Further installment will be allowed on the fulfillment ofthe above conditions.Note
6. -Advances may also be given where considered necessary for thepurchase of
land or for leasing land on which to construct a house, if the otherconditions laid
down in this paragraph are satisfied and the total amount of theadvance for the
purchase or leasing of the land and the construction of the housedoes not exceed 24
months pay of the officer concerned.The Government servant should sign an
agreement in form G. F. R. 28 atthe time of taking an advance for the purchase of
land and the amount should notexceed what is required for the purpose. A mortgage
deed in Form G. F. R. 29should be executed before any further advance is drawn for
the purpose ofconstructing the house. The mortgage deed must be registered within
4 monthsof its execution.The Government servants, who acquire land on lease,
should sign anagreement in form G. F. R. 27 at the time of taking an advance for the
leasing ofthe land and the amount should not exceed what is required for the
purpose. Amortgage deed in form G. F. R. 25 should be executed before any
furtheradvance is drawn for the purpose of constructing the house.The mortgage
deed must be registered within 4 months of its execution.In order to save
Government from loss, the applicant's title to the propertyshould be carefully
examined by the sanctioning authority and the instructionslaid down in Appendix 20
should be followed.
viii.
deleted.
ix.
Applications for advances must be made through the applicant'sdepartmental
superior, who will record his opinion as to the necessity for the assistance solicited.
The applicant must certify that the sum is to be expended in building only, and
pledge himself that, should there be any surplus funds" after the house is completed,
they will be at once refunded to Government.
x. The last-pay certificate granted to Government servants under advances must
specify the original amount of such advance, the amount repaid and the balance
together with interest accrued in accordance with para 251remaining due
xi. Advances may be granted to Government servants subject to the following
conditions:
a) The temporary Government servant has completed at least 10 years
continuous service. However, the temporary Government servants in National Pay
Scales No. 1 & 2 will be eligible to draw the advance irrespective of the length of
their temporary service.
b)
his services are not likely to be terminated within the period prescribed for the
repayment of the advance;
c) Security of two permanent Government servants is furnished, who can be
released when the house has been built and mortgaged to Government.The sureties
should be such as would not retire before the house is built and mortgaged;
d) In cases where the official has already acquired the land for construction of the
house, he should mortgage it to the Government together with the house to be built
thereon, before the advance is sanctioned;
e) In cases where the advance is required for the purchase of land, the first
installment of advance will be limited to 25% of the total amount of the advance or
the actual cost of the la: land, whichever is less.
f) The official concerned produces a certificate from the appropriate House Building
Society; Improvement Trust; C. D. A. etc; that the land has been allotted to him and
the price should be indicated as also the instalment that is immediately payable after
allotment.
g) In cases where the applicant is not a member of any co-operative house-building
society registered under Co-operative Societies Act, 1912, the land for the house
should be acquired and mortgaged to Government before the first installment of the
advance is paid to him.
253-B
. Subject to such terms and conditions as may be prescribed from time totime,
loan may be advanced to a Government servant subject to the rulemaking control of
the President and paid from Civil Estimates for thepurchase of a house for his
residence built by the Central Government orProvincial Government or a local
authority, including a Rehabilitationauthority, or an Improvement Trust. Except as
otherwise provided, thegeneral principles of paragraphs 253-A, shall apply to the
grant andrecovery of the loan.
N o t e
1 .
d r a w n
- T h e
l o a n
a f t e r
t h e
a g r e e m e n t
N o t e
2 .
d r a w n
i n
h a s
f o r m
- T h e
i n
e x e c u t e d
G .
l o a n
f u l l
F .
O f f i c e r
t o
a d v a n c e d
h o u s e
m o n t h s
a t
d o n e
t h e
l o a n
T h i s
t h e
D e p a r t m e n t
i n
v a l i d
d i r e c t
w h i c h
b u i l t
4 .
t h e D r a w i n g
p a i d
t h e
c a s e
t h e
t h e
t o
o f
a m o u n t
H e a d
t h e
o f l o a n
t h e g r a n t e e
o f
t h e
o f
t h e
a u t h o r i t y
t h e h o u s e .
- W h e n
a u t h o r i t y
l e g a l
w i t h
t h e
b y
o f
l o a n
b e
A u d i t
a m o u n t
o f f i c e r ,
p a i d
c a n
H e a d .
- S a v e
b e
t h e
t h r e e
t h e
r e c o r d
g a z e t t e d
N o t e
t o
t h e
o f
w i t h i n
d r a w a l .
D e p a r t m e n t a l
s h a l l
p u r c h a s e
c o n c e r n e d
3 .
b e
s h o w t h a t
i t s
b e f o r e
N o t e
s h a l l
A u d i t
t h e
r e c e i p t f o r
b u t
t h e
b y s h o w i n g
O f f i c e r
b e
o n c e
b e e n s p e n t
o f
3 7 .
b e f o r e
f o r
h a s
R .
m a y
s a t i s f a c t o r y e v i d e n c e
p r o d u c e d
b e
G o v e r n m e n t
s e r v a n t c o n c e r n e d
a n
s h a l l
f o r
a s k i n g
f o r
p a y m e n t
O f f i c e r
i n
t h e
o f
t h e
l o a n
c a s e
o f
n o n - g a z e t t e d
t h e C o n t r o l l i n g
o f
O f f i c e r
m o r t g a g e
G .
F .
o f
R .
t h e
c a s e
O f f i c e r ,
o f
b e
3 8
t h e
e x e c u t e d
a f t e r
h o u s e ,
t h e
c e r t i f y
h e
h a s
s e c u r e d
p r e s c r i b e d
o f
t o
a n d
t h e
e x e c u t i o n
d e e d
p u r c h a s e
t h a t
i n
g a z e t t e d
s h a l l , p e n d i n g
i n f o r m
o f f i c e r
t h e
l o a n .
a l s o
A u d i t
p o s s i b l e .
a g r e e m e n t
f o r m
r e g i s t r a t i o n
s h a l l
a n
T h e
o f
b e
f r o m
i n
t h e g r a n t e e
e x e c u t i o n
t h e m o r t g a g e
i n t i m a t e d
O f f i c e r
t h e
a n d
d e e d
t o
a s s o o n
t h e
a s