(a) Repayment is in 180 installments of which 120 months is for repayment of Principal and balance 60 months is for repayment of interest.
(b) You can get this loan till the last year of your service as the same is deducted from your terminal benefits. The advantage is that you can determine the EMI that you'd like to pay as per your cash crunch situation.
(c) The interest can be reduced down to 8% if you insure the house against natural calamities (2.5% less) and if you follow small family norms (sterilization), you get an additional rebate of 0.5%.
(d) This loan gets sanctioned within 30 days and so you dont have to wait for long.