Build Your Own Home on the Land of the Government Housing Loan - What You Need to Know ? I think many of us who own their own being stingy about to build their dream home. For government staff housing loans offered the opportunity should be used preferably . The process of building your dream home on their own land m liquidize government housing loans is not the same as buying a completed house . There are several processes that need to be made which requires approval from the relevant authorities. Among the few things you should know and should be completed before your loan application is submitted : 1 . Land Ownership : Make sure you are the rightful owner of the land / registered on the land to be built home. If you wish to buy a home together ( combined loan ) with your partner , make sure you me enter the first name of your spouse ( husband - wife ) as co-owners of the land. The process of change in ownership or enter the name of your partner can be done at the Land Office . The time taken is dependent on the state land office or the respective districts . Every land offices have acts and regulations vary from state to state because each act is tied to the state land code , respectively . The rate depends on the rate of land value , the higher the land value is then the higher the cost of stamping (stamp duty ) payable . 2 . Land Status: Status of land should also be noted . What is the status of your land ? Are agricultural land? Paddy land ? Rubber Estate ? Or orchard land ? All the status of the land to be converted into building land status first. Managing change in land status may be applied at the land office and state / province respectively . Here too there is a cost involved and the time taken to change the status of the land is quite old usually 6 months to 1 year . 3 . Architect Plans : Next plan often called the architect or home plans . If you have skills in designing the house so you can design your own dream home .but what matters in the end the home plan should be stamped and signed by a qualified architect . Architectural plans must be accompanied by some other plan more like Sewerage Plan and Structure Plan ( Plan Irons) . The cost of the architectural plans are usually calculated based on square foot area of the house , the greater your home more expensive then the cost of architectural fees . Once your plan stamped and signed by the architect then turn the plan submitted to the county council for approval and a permit to build a home . As usual .... approval process at the district council shall have the costs . Usually the time frame for approval takes 2 to 6 months , depending on the Local Authority ( LA ) areas respectively . 4 . Contract : the contract agreement should be attached along with the application form on your mortgage . The lawyer who will manage the building contract agreement between your home and the contractor of your choice. The cost of the contract fee will be discussed with the contractor , who will bear the costs of the suit . Normally the client will incur legal costs because the contractor will only provide quotations for building houses. But there are also some cases the contractor agrees to bear the legal costs . 5 . Valuation Process : The final process is the process of valuation which has passed the plan to be submitted to the Department of Valuation and Property Services which house plan you will be judged . Total loans at a later date may not exceed the total value issued by the Department of Assessment . Evaluation process usually takes only 1 week . Once the above process is complete then you can now send your mortgage application form ..... Thank you .... hope this brief bit of info you can give is stingy about to build your dream home on their own land use for housing loan facility .