DDA Housing Scheme: Benefits, Eligibility And Documents Required

Are you a resident of Delhi looking to buy a flat at affordable prices? Then you should check out the DDA housing scheme 2022. The Delhi Development Authority (DDA) started its housing activities in 1967 to develop the capital city of Delhi in a balanced and systematic manner. 

To provide affordable housing options to the Lower Income Group (LIG), Medium Income Group (MIG) & High Income Group (HIG), DDA launched more than 18,000 housing units in May 2019. Furthermore, in 2021, DDA added 1,354 flats to its scheme, located in Dwarka, Jasola, Vasant Kunj, and Manglapuri. 

To date, around 6000 units are still under construction. So, there is still a chance to be amongst the lucky ones and enjoy the benefits of DDA scheme 2022. Keep reading to know more details about this scheme. 

Also Read – Documents Required For Home Loans

Benefits of the DDA Housing Scheme

This housing initiative by the Delhi Development Authority has various benefits, such as the following: 

• With rising interest rates and inflation, buying a house has become more difficult. Depending on one’s income group, individuals can get a price concession of 10%-40% on the DDA flats.
• The housing units under DDA housing schemes are located in prime residential localities. The flats are spread across Narela, Dwarka, Jasola, Vasant Kunj and Manglapuri. 
• This scheme’s focus is more on the Economically Weaker Section (EWS), but it offers an equal chance to all those who enrol. Through a fair draw, DDA decides upon who gets a flat under this scheme.
• The scheme offers various pricing and housing options to suit the needs of everyone. Depending on their budget, one can opt for a 3BHK, 2BHK or 1BHK flat. 
• Distribution of the 1354 flats added under the DDA Housing Scheme 2021 is done fairly based on need. DDA has allotted 252 3BHK and two 2BHK flats to the HIG category, 757 to MIG, 52 to LIG and 291 to EWS. 

Eligibility Criteria for the DDA Housing Scheme

Before you apply for the DDA Housing Scheme, it is necessary to check whether you are eligible to attain a DDA flat. Here are the eligibility criteria: 

1. Age

At least 18 years old

2. Nationality

Must be an Indian citizen 

3. Application

One candidate per application. If an applicant wants to apply under more than one category, then the registration fee of a higher category will apply 

4. Applicant

Both husband and wife can apply separately. If both get selected in the draw, then only one can retain the flat. 

Applicants or their spouse and dependent children should not own a housing unit exceeding 67 sq metres on a full or leasehold basis in New Delhi or the Delhi Cantonment area. 

Individuals should not own a housing unit constructed by DDA, even if the unit is less than 67 sq metres. 

5. Income

Only those from the Economically Weaker Section have to show an annual income of Rs. 3 lakh or below. There are no specific income criteria for other categories. 

Also Read – What Are The Types Of Home Loans Available In India?

Documents Required for the DDA Housing Scheme 

While filling out the application form for DDA scheme 2021, an applicant must have the following documents: 

1. Identity proof

Self-attested copy of PAN card. 

2. Address proof

Any one of the following: Aadhar Card, ration card, driving license, voter ID, telephone bill, passport, bank passbook, electricity bill, water bill

3. Income proof

ITR filed for the last two financial years

4. Photo

Applicant’s passport size photo in jpg, png or jpeg format, not exceeding 50kb in size. 

5. Signature

Applicant’s signature in jpg, png or jpeg format, not exceeding 50kb in size. 

Note that the photo and signature of a joint applicant (if any) should also be submitted in the same format. 

6. For reserved categories

Applicants from Scheduled Caste (ST), Scheduled Tribe (ST), and other reserved categories need to submit a self-attested copy of the original caste certificate or handicapped certificate (if applicable). 

Registration and Application Fee under DDA Housing Scheme 2021

The Delhi Development Authority charges a registration and application fee for every flat allocated. The fee varies according to each applicant’s profile. 

Category	Registration Fee	Application Fee
High Income Group (HIG)	Rs. 2,00,000	Rs. 2000
Medium Income Group (MIG)	Rs. 2,00,000	Rs. 2000
Low Income Group (LIG)	Rs. 1,00,000	Rs. 2000
Economically Weaker Section (EWS)	Rs 25,000	Rs. 2000
Janta Flat	Rs. 10,000	Rs. 2000

How to Apply for a DDA Flat?

Registration on the official website of the Delhi Development Authority began on December 23 2021. The last date to register under DDA Housing Scheme 2021 is February 7 2022. Before filling out the online form, an applicant can read the DDA housing scheme 2021 brochure for specific instructions. 

If you pass all eligibility criteria and possess the mentioned documents, this is how you can apply for a DDA flat: 

• Step 1
  Visit the official DDA website and click on DDA Housing Scheme 2021.

• Step 2
  Upon being redirected to a new page, you need to register by filling in your name, date of birth, PAN card, mobile number, and email. After clicking submit, the registered mobile number will receive a User ID and password. 

• Step 3
  Once registration is done, you can log in using the given User ID and password. 

• Step 4
  After successfully logging in, an application form will appear on the screen. Fill in your personal details, bank details, address, joint applicant details, etc. 

• Step 5
  Fill in your category and your location preferences. 

• Step 6
  Now, upload a scanned copy of your and the joint applicant’s (if applicable) signature and photograph. 

• Step 7
  After reading through the declaration, click on the check box.

• Step 8
  You can either choose to save this form as a draft or click on the Final Submit button. 

• Step 9
  After reviewing the application form number, registration date, and amount, you can choose the payment method (NEFT/RTGS or net banking) on the next screen. 

• Step 10
  Upon successful payment, the screen displays an acknowledgement slip with payment details. Print the acknowledgement slip for future reference. This slip is also available in the ‘My Payment’ option. 

Surrender Charges under DDA Scheme

If an applicant is not allotted a flat after paying the registration and application fee, then the entire registration fee is refundable. However, depending on how many days have passed since the draw, if an applicant decides to surrender their flat, the following charges are imposed: 

1. No charges

If the application is surrendered from the draw date to the 15th day after receiving a demand-cum-allotment letter

2. 10% of the application fee

If the application is surrendered from the 16th till the 30th day after receiving a demand-cum-allotment letter. 

3. 50% of the application fee

If the application is surrendered from the 31st till the 90th day after receiving a demand-cum-allotment letter.

4. 100% of the application fee

If the application is surrendered after 90 days of receiving a demand-cum-allotment letter.

How to Make Payment for DDA Housing Scheme Flats?

Within 90 days of receiving an allotment letter, the beneficiary of the allotted flat needs to make the payment. This payment is according to an applicant’s category, the location and the type of housing unit chosen. 

Applicants can make this payment on the Delhi Development Authority’s online website. One will have to generate an e-challan after clicking on the ‘Online payment for DDA flats’ option. After filling in the details and logging in, an applicant can use the following methods to make payment: 

• Allottees have to make cash payments via net banking/NEFT/RTGS using their or a specified family member’s bank account. 
• If an allottee qualifies as a person with a disability, then he/she can opt to make this payment in instalments. 
• DDA gives an option to take a home loan by using the DDA flat as a mortgage. This is only applicable to loans taken from these recognised institutions: 

1. Axis Bank
2. State Bank of India
3. Central Bank of India
4. HDFC Bank
5. ICICI Bank
6. IDBI Bank
7. Yes Bank
8. Kotak Mahindra Bank
9. Induslnd Bank

Final Word

Under the DDA Housing Scheme 2021, interested citizens can attain their dream of buying a house at a subsidised rate. Due to its partnership with Pradhan Mantri Awas Yojana, the poorer section can buy a flat for as low as Rs. 7 lakh. 

The quality of construction of the new 1354 flats added in this scheme in 2021 is at par with Delhi’s best complexes. The prices of these housing units range from Rs. 7 lakh to Rs. 2.1 crore, fulfilling the requirements of every section. 

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