Online House Building Advance (HBA) Calculator
Use the Stashfin House Building Advance (HBA) calculator for Central & State Govt employees. Calculate your maximum loan limit (₹25 Lakhs) and unique repayment schedule at the 7.44% interest rate for FY 2025-26.
Calculate your EMI
Flexible loan amount & tenure Instant EMI estimate, no guesswork Apply directly from the calculator Take a step further. Calculate your available credit line.
This is an estimate. Actual EMI may vary based on lender terms. What is House Building Advance & Why Use This Calculator?
The House Building Advance (HBA) is a specialized credit facility provided to Central and State Government employees under the 7th Pay Commission recommendations. It is designed to help employees build or purchase their own homes at interest rates significantly lower than market home loans.
Why use this calculator?
Max Limit Check: Instantly find the lowest of 34 months of basic pay, the cost of the house, or the ₹25 Lakh cap.
Unique Repayment Logic: HBA uses a "Principal First, Interest Later" model—repaying the principal in 180 months and interest in 60 months.
Budget 2025-26 Accuracy: Updated with the current 7.44% p.a. simple interest rate.
Interest Savings: Compare HBA's simple interest model against a bank's compounding interest to see how much you save over 20 years.
House Building Advance Calculator
A Monthly Budget EMI Calculator is a handy tool that helps you figure out the monthly installment (EMI – Equated Monthly Instalment) you'd need to pay when taking a home loan. It's an efficient way to plan your repayments and keep your finances in check.
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Frequently Asked Questions
Find answers to common questions about our personal loan services and application process.
For constructing or purchasing a new house/flat, the maximum amount is the lowest of 34 months of basic pay or ₹25 Lakhs. For expanding an existing house, the limit is ₹10 Lakhs.
