The SyndNivas Housing Loan Scheme provides loans for purposes such as construction, acquisition, or renovation of houses or flats, with eligibility including resident Indians, NRIs, pensioners, and HUFs, and loan amounts determined based on salary multiples or average annual income. Borrowers must provide security through mortgaging the property and pay a margin amount, with interest rates linked to the bank's base rate and a fixed rate option of 12%, and loans are repaid through EMIs over a maximum 25 year period.