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HOUSE-BUILDING ADVANCES

253-A
Advances

to

Government

servants

for

the

construction

of

houses

are

regulated by the following rules:


1) Advances may be made under the sanction of Ministries of theGovernment of
Pakistan, Heads of Departments, and Heads of Circles in thePakistan Post
Office and Telegraphs and Telephone Department, to Government-servants,
who desire to build houses, for occupation by themselves, at any placein
Pakistan. No advance is ordinarily permissible to a Government servant who
islikely to retire before complete recovery can be effected.Note 1.
-deleted.Note 2. -Advances will be granted for the construction of new
houses. Advances will

also be granted for purchasing a newly

constructed house or for completely reconstructing a house already owned by


the Government servant concerned, or for extending/renovating a house
already owned by the Government servant concerned.Government decision.
-House Building Advance for the purchase of flats in multi-storeyed buildings
may be granted to Government servants to theextent and subject to the usual
conditions prescribed for the admissibility of house building advance. This
shall be subject to the following further provisions: -a) Before receiving the
amount of the advance, or payment of the amount tothe construction
agency direct (vide para 2 below), the Government servant concerned shall
be required to execute an Agreement in the prescribed form attached; and
after the purchase of the flat is complete to execute and register the Mortgage
deed in the prescribed form as security for repayment of the amount
advanced with interest;b) Satisfactory evidence shall have to be produced
within 3 months of thedrawal of the advance to show that the amount has
been spent on thepurchase of flat. This can be done by showing the valid
legal receipt issued by the Construction Agency concerned in token of the
purchase deed.
2) Where a Government servant desires that the payment of the advancesanctioned under the above orders be made direct to the construction agency,
hemay indicate it in his application for the grant of advance. In such a case,

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

such advances must be bona fide required for the purpose of

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

for reconstruction, purchase, extension or renovation ofhouses may, however, be


drawn in one installment, provided all otherconditions governing the execution and
registration of mortgage deed,etc., are duly fulfilled and the Government interest is
fully secured. The repayment shall commence from the month immediately after the
grant ofthe second installment or six months after the drawal of the firstinstallment
whichever is earlier. The repayment shall be completed in 10years in the case of a
former superior service Government servant and in20 years in the case of a former
class IV Government servant, providedthat the age of the Government servant
concerned at the time ofrepayment of first installment is below 47 years in the former
case andbelow 38 years in the latter case. In the case of those who would at thetime
of such repayment be attaining the age of 47 years or 38 years, asthe case may be,
the number of installments by which recovery iseffected, shall be so-regulated as to
enable the recovery of the totalamount advanced, including interest, possible before
the date on whichthe officer would be reaching the age of 60 years.
N o t e
o f

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 .

Advances on account of development charges will be allowed when thesocieties


demand these charges from the Government servant concerned. At thetime of the
drawl of such advances the Government servant must sign anagreement in Form G.
F. R. 27. He should be required, as soon as it is possiblefor the societies to allot the
land to him, to produce original documents showingthat the land has actually been
allotted to him. When he has been allotted landand wishes to draw further advances
for the construction of a house, advancewill be allowed up to a maximum of 50% of

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)

A certificate is produced from the Head of the Department to the effectthat

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