DDA Housing Scheme 2022

Having a flat of one's own is a dream of many across the country. However, due to socio-economic issues, including inflation, the prices of flats in India always remain on the higher side. It makes the idea of buying flats an unimaginable one for most middle-class and backward classes in India.

DDA Housing Scheme focuses on making flats affordable for all people irrespective of their financial status and backgrounds. Delhi Development Authority launched this program to make sure everyone from all parts of the society can buy their dream flats at their convenience. The scheme's policies offer flats at affordable rates to the general category, SCST categories, and backward classes.

This article closely discusses the components of the DDA housing scheme, its benefits, and other details. 

Additional Info: Also check PNB Balance Check Number

The Delhi development authority introduced the DDA housing scheme to help people from all societies to buy flats at their convenience. Under this scheme, those who come from the backward classes, general category, and other castes get flats at low prices.

The scheme's objective is to offer flats at affordable rates to those who require them. Only those residing in Delhi can avail of this plan launched by the Delhi government. Taking a housing loan can be intimidating for many for several reasons. Those who come from the backward class receive excellent discounts at flats under the scheme.

As per the policies of this scheme, small and affordable flats are made in three different locations in Delhi for small families. All the flats made under this scheme will be 60 m².

The draft master plan- 2041 of the DDA houses was prepared by the Delhi Development authorities. Around 1354 flats were launched under the scheme in 2021. Several flats have been made under this scheme in several places, such as Jasola, Vasant Kunj, Rohini, Dwarka, Nasirpur, Mangalpuri, to name a few. The cost of the flats made for people from the high-income group ranges between 69 lakhs to 2.15 crores. As per the policies of the DDA housing scheme, flats that are made for the middle-income group cost between 40 lakhs to 1.25 crores.

The DDA housing scheme allotment depends on several factors. If you want to apply for this scheme and are wondering whether you are eligible or not, make sure you check the eligibility requirements of the scheme well before making the final call.

• Only Indians can apply for this scheme launched by the Delhi Government.
• In order to apply for the DDA scheme, you need to be at least 18 years old.
• If you already own a property in any of the urban areas in Delhi, you are not eligible to apply for the scheme. Only those who do not already have a flat are eligible for the DDA Flat scheme.
• If you already have a flat that is larger than 67 square metres in the name of your spouse or any of your dependent relations, including your children, you cannot apply for this scheme.
• Both a husband and a wife can apply for the scheme. However, if both the applications get approved, only one of them will be able to buy the flat using the scheme.
• You can submit only one application under all circumstances.
• If you decide to apply for more than one category under the scheme, you need to pay a higher application fee during your application.
• All applicants should have valid permanent PAN cards to be able to apply for the DDA scheme.
• The income of the applicant cannot be more than three lakhs per annum for EWS flats.
• Make sure the income of your family does not exceed ten lakhs per year if you want to apply for the DDA Housing Scheme for EWS flats.
• For other flats, there are no fixed income criteria to be followed. Anyone can apply as per their affordability and future plans.

Make sure you keep track of all the documents that you need to submit while applying for the DDA flat scheme. The documents required by you are as listed below:

• You must have a valid PAN card. A self-attested copy of your PAN card is required when you apply for the scheme.
• Proof of residence is required for the verification process. It can be your ration card/ driving licence/ passport/ telephone bills/ water bills, Aadhar card, or house tax receipts that serve as the proof of your residence.
• For applying for the DDA housing scheme, you must have a copy of your bank account statements for the last one year to reflect your income details. 
• A copy of your income tax returns is also required for the verification process of your application.

You can apply for the DDA new housing scheme from the comfort of your home without visiting any bank or financial institutes. In order to apply for the scheme online, you need to follow simple steps:

• Visit the DDA's official website - www.dda.org.in first to proceed further.
• You need to 1st register as an applicant. Submit your details, including your Aadhaar card number, PAN card details, mobile number, and other personal details.
• You will get an OTP for verification purposes on your registered mobile number.
• To proceed further with your DDA housing scheme application, log in to your account and select a scheme that suits your affordability and fits your demands properly.
• Fill in your bank details, address details, your joint applicants' details.
• You will have to upload your scanned image along with your signature of you and your joint applicant if you have one.
• You can make the payments afterwards. For a one-bedroom flat, you will need to pay a deposit of Rs.15,000/- and for JANTA schemes, you will need to pay a deposit of 10,000/- 
• After making the payment successfully, you will have to acknowledge the sleep by clicking on the 'Acknowledgment Slip' option once you are done.
• After that, you can easily check your acknowledgement slip from the 'My Payment' option at your convenience.

For different DDA apartments under the scheme, different registration fees have to be paid by the applicants. Make sure you check your fees beforehand to make informed financial decisions in the future at ease.

Look at the chart in order to understand and analyse the differences between the registration fees of different DDA houses.

For Janta Flats and 1BHK flats, the registration fees remain similar. However, for the EWS flats, the fees increase a little. Your income has a huge role in determining your scheme. Go for a plan that suits your affordability well.

There are several benefits offered by the DDA housing scheme that the applicants can enjoy.

The major benefits that the DDA scheme comes with include:

• You can easily own a house with the help of the scheme.
• Irrespective of your financial status, you can find a suitable scheme that can help you buy your dream flat soon. Everybody stands a fair chance to apply for the DDA housing scheme based on their income.
• You can avail a discount close to Rs. 5 lakh rupees if you are from Delhi under the scheme if you meet the proper criteria.
• A discount of around 5 lakh is given for the flats that are newly built.
• There are no chances of errors or cheating taking place because of the computer-drawn allocation procedure.
• It is a great offer for those who are not yet settled and have a new job. Based on your current income, you can go for a plan that suits your budget and enjoy the benefits of buying a new flat at discounted rates in Delhi.

If you want to get a refund for the DDA housing loan scheme, you will have to write an application and send it to DDA in a proper format. The application has to be sent out within a specified period to cancel your application and obtain a refund.

There are no surrender charges for the applicants who wish to cancel their DDA flats. Make an application for cancellation within the first 15 days of getting an allotment letter to get your refund under the DDA scheme.  However, if you want to cancel your DDA flat after getting your allotment letter, you will not get the application amount.

Additional Info: Also check Central Bank Balance Enquiry Number