Explore the DDA Housing Scheme, an initiative by the Delhi Development Authority. Learn about the goals and features of the DDA Scheme, providing affordable housing options in Delhi.
Delhi Development Authority Housing Scheme Overview
The escalating prices of flats due to inflation have created challenges for citizens who find it increasingly difficult to afford homes. In response to this situation, the Delhi Development Authority (DDA) has introduced the DDA Housing Scheme. This initiative involves offering flats at affordable prices to cater to various sections of society. The allocation of these flats is determined through a draw-based system. All segments of society, including the general category, backward class, widows, SC, ST, etc., are encompassed by this housing scheme. This article provides a comprehensive overview of the DDA Housing Scheme.
DDA Housing Scheme Highlights
| Scheme Name | DDA Housing Scheme |
| Year | 2023 |
| Launched By | Delhi Development Authority |
| State | Delhi |
| Beneficiaries | People of State |
| Registration Process | Online/Offline |
| Objective | Providing homes at affordable rates |
| Official Website | www.dda.org.in/ |
Objective of DDA Housing Scheme
The primary goal of the DDA Housing Scheme is to provide housing solutions to individuals facing financial constraints. This government initiative offers houses at more affordable rates, aiming to fulfil the dream of homeownership for every citizen of Delhi. Even marginally high-income groups are also included in this scheme, ensuring that no family is left without a home.
Eligibility Criteria For DDA Housing Scheme
To qualify for the DDA Housing Scheme, applicants must meet the following conditions:
- The applicant must hold Indian citizenship.
- Minimum age requirement is 18 years.
- Citizens eligible under the scheme should not own, either individually or jointly with their spouse or dependents, a residential plot exceeding 67 sqm or a flat/house with a carpet area exceeding 67 sqm on a freehold or leasehold basis in the urban areas of Delhi, New Delhi, and Delhi Cantonment.
- Husband and wife can submit separate applications, but if both are successful, only one will be allotted a flat, and the other’s application money will be refunded.
- Applicants are allowed to submit only one application, either individually or as a joint or co-applicant.
- For economically weaker section flats, individual or joint income should not exceed 3 lakh per annum, and household income should not exceed Rs 10 lakh per annum. Other categories do not have income criteria.
- Bank account details must be provided in the application form.
- A permanent account number (PAN) is mandatory.
- In the case of joint applications under SC or ST reserved category, the joint applicant must be from within the family.
- For joint applications under reserved categories like war widows, persons with disabilities, ex-servicemen, the applicant must belong to the respective reserved category, and the joint applicant must be from within the family.
Benefits Of DDA Housing Scheme
The DDA Housing Scheme offers a range of advantages to various sections of society:
- The scheme extends housing benefits to economically disadvantaged individuals who struggle to afford their own homes in Delhi.
- Residents of Delhi NCR can access flats at discounted rates.
- A substantial discount, approximately 5 lakh rupees, is provided to eligible beneficiaries.
- The scheme aims to fulfill the dream of owning a house for many individuals.
- The allocation process is conducted through a computerized draw, minimizing the likelihood of fraudulent practices.
- Newly constructed flats are eligible for a discount of up to Rs 5 lakh, and these flats come equipped with parking facilities and lift amenities.
Required Documents for DDA Housing Scheme
To apply for the DDA Housing Scheme, applicants must provide the following documents based on their categories:
For All Categories:
- Self-attested copy of PAN card
- Identity proof
- Proof of residence
- Proof of income from the economically weaker section category
For Reserved Categories:
- Self-attested copy of PAN card
- Identity proof
- Proof of residence
- Proof of income from the economically weaker section category
- Attested copy of the original caste certificate
- Attested copy of the original handicapped certificate
- Self-attested copy of the guardianship certificate
- Attested copy of the discharge certificate
- Attested copy of the requisite certificate
Other Documents:
- Self-attested copy of the bank account passbook/bank statement from which the cost of the flat has been deposited
- Affidavit as per the proforma given in Annexures C and D of the scheme brochure
- Undertaking as per the proforma given in Annexure E of the scheme brochure
- Photograph and three signatures of self and spouse duly attested as per the proforma given in Annexure F of the scheme brochure.
How to Apply for the DDA Housing Scheme?
Outlined below are the steps to participate in the Delhi government housing scheme:
Visit the Official Website: Access the DDA’s official website and navigate to the DDA Housing Scheme section.
Registration: Register by entering basic details such as Applicant Name, Date of Birth, PAN No, Mobile No, and Email ID on the DDA official website.
Login: Log in by providing the user ID and password sent through email to access the Application Form.
Form Completion: Fill in personal details, bank details, address details, joint applicant details, and select category and location preferences in the application form.
Submission: Carefully review the contents of the declaration and submit the application form. The submission screen will display the Application Form No, Submission Date, and Registration Amount for payment.
Payment: Make the payment for the registration amount through Net Banking or NEFT/RTGS via challan.
Acknowledgement: Save or print the acknowledgement slip displayed on the screen after successful payment.
Applicants are required to pay a non-refundable deposit to apply for a DDA flat under the housing scheme. For 1BHK Economically Weaker Sections (EWS) flats, the booking amount is ₹50,000. For non-ESW flats, the booking amounts are as follows:
₹1 Lakh for a 1BHK flat
₹4 Lakhs for a 2BHK flat
₹10 Lakhs for a 3BHK flat
The booking amount paid will be adjusted against the cost of the flat.
How Homes are Allocated under the DDA Scheme/ How Does DDA’s Draw Work?
The allocation process for homes under the DDA Housing Scheme is conducted through the DDA Portal. The steps involve a computerized draw that unfolds in three stages:
Randomization: Applicants to flats are randomized through a computerized process.
Lucky Numbers: The system selects lucky numbers.
Mapping: Applicants are mapped to specific flats.
Note: The lucky draw is entirely random, and caution should be exercised against promises of assured homes in the draw.
How to Check Results of DDA Draw?
The DDA draw results can be verified by following the steps below:
Visit the Official Website: Navigate to the DDA’s official website.
Access Draw Result Section: Click on the ‘Draw Result’ section located in the top dashboard.
Select Draw Result Link: Choose the link titled ‘DDA Flats Draw Result 2023.’
Download Result Document: Download the draw result document.
Print for Reference: Take a printout of the document for future reference.
How to Surrender the DDA Flat?
To surrender a DDA flat, individuals need to complete a ‘Cancellation Form,’ available both online and offline by visiting the DDA office.
The applicant must submit the following to initiate cancellation:
- Cancelled cheque
- Original allotment letter
- Acknowledgement slip
It is important to note that the DDA will impose a penalty on cancellations, the amount of which will vary based on when the flat is surrendered.
Conclusion
Overall, it has been identified that the objective of the DDA Housing scheme is to provide housing facilities to people who are unable to purchase houses due to financial issues. The state government has prescribed particular requirements for applicants, and it is essential for them to comply with the same.
Although we sincerely hope that the information we have given you is sufficient, if you still need more help, don’t hesitate to contact Vakilsearch. It is one of the prominent platforms of India, by which you can avail significant information.
FAQ’s
1. How will I get to know when the DDA schemes are announced?
The Delhi Development Authority (DDA) announces its housing schemes through various media channels, including newspapers, television, and online portals. Interested individuals can also visit the official website of the DDA to stay updated on the latest schemes and announcements.
2. What are the features of the DDA Housing Scheme?
The DDA Housing Scheme offers affordable housing options to individuals across various income groups, including High Income Group (HIG), Middle Income Group (MIG), Lower Income Group (LIG), and Economically Weaker Section (EWS).
3. What are the locations and areas covered by the DDA Housing Scheme 2024?
The DDA Housing Scheme 2024 covers various locations and areas across Delhi, including Vasant Kunj, Lok Nayak Puram, Dwarka, Jasola, Rohini, Narela, Siraspur, and Loknayak Puram.
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