How to get a bank loan to build a house in villages? Learn which rules the Yogi government has simplified.

House Ownership Law: The Yogi government's Gharouni law will provide legal documents for houses built in villages. This will make bank loans, property transfers, and other property-related transactions easier than before.

House Ownership Law: Building a house and obtaining a bank loan for it is about to become much easier for residents of Uttar Pradesh villages. After the UP Rural Population Bill 2025, also known as the Gharouni law, was passed in the assembly, a major legal hurdle regarding rural property was removed. Until now, houses built on village land lacked proper documentation, causing difficulties in obtaining bank loans, property transfers, and buying and selling property.

Now, under this new state law, the Gharouni will be given the status of an official document. This means that houses built in villages will now be part of the legal record. Learn how obtaining loans will become easier for villagers in UP. Get complete information about this law.

How to get a bank loan to build a house in a village?

After the implementation of the Gharouni law, the Gharouni document will be considered valid proof of ownership for houses built in villages. Based on this document, villagers will now be able to avail of home loans and other financial services from banks. The survey conducted using drone technology under the Swamitva scheme has been given legal recognition, resulting in the creation of accurate records of land and houses.

Banks will now accept these records. Previously, obtaining loans was difficult in rural areas due to a lack of proper documentation. Now, the Gharouni will include the owner's name, address, plot details, area, and map. This data will serve as the basis for banks, and the loan process will be faster.

These things will be easier than before

The new law also clarifies the rules for amendments related to the Gharouni. Changing names in cases of inheritance, succession, or sale will now be easier. Previously, there was no clear system for this process, leading to disputes and delays. The Gharouni now also includes provisions for correcting names, rectifying errors, and updating mobile numbers and addresses. A household register will be created for every household in each village, and a separate population map will be prepared. The responsibilities of survey and record officers have been defined for this purpose. A record officer will be nominated by the District Magistrate in each district. This will ensure the security of records and reduce legal disputes in the future.