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DDA Housing Scheme 2025: Affordable Flats with No-Loan Option Now Available in Delhi

In an exciting opportunity for homebuyers, the Delhi Development Authority (DDA) has launched its latest housing initiative — the Apna Ghar Awas Yojana — under which people can book a flat by paying just 25% of the cost, without requiring a home loan from the bank. The scheme is gaining immense popularity with over 7,500 flats being offered at discounted rates across various categories and prime locations in Delhi.

Let’s dive deeper into the details of this attractive offer.

What is DDA's Apna Ghar Awas Yojana?

DDA’s new housing scheme aims to make homeownership accessible and affordable for all. The Apna Ghar Awas Yojana offers flats with up to 25% discount and enables buyers to secure a unit without going through the hassles of applying for a bank loan.

Flats under this scheme are available in three major localities in Delhi and are spread across four categories:

• EWS (Economically Weaker Section)

• LIG (Low-Income Group)

• MIG (Middle-Income Group)

• HIG (High-Income Group)

Key Highlights of the Scheme

1. Book Your Home with Just 25% Payment
   Under this special provision, if an applicant pays just 25% of the total flat cost, they can receive the keys to their home. The remaining amount can be paid in easy installments, and there's no need for a bank loan.

2. Up to 25% Discount on Flat Price
   All categories of flats are being offered at discounted rates ranging between 15% to 25%, making the scheme financially appealing.

3. Flexible Payment Window
   Buyers are expected to pay the remaining amount within 60 days of booking. This timeline also allows individuals the option to secure a bank loan from a recognized institution, should they choose to go that route.

Special Benefits for Differently-Abled Individuals

The DDA has incorporated inclusive provisions to benefit persons with disabilities (PwD). If the flat is booked in the name of an adult disabled family member — either singly or jointly — additional flexibility is offered:

• Cash Down Payment Option: Same as the regular scheme, where full payment is made within 60 days.

• Hire Purchase Basis: The buyer needs to pay only 25% within 60 days, while the rest can be paid in monthly installments without taking a bank loan.

For instance, if someone books a Low-Income Group (LIG) flat priced at ₹13.30 lakh, only ₹3.32 lakh needs to be arranged upfront. Out of this, ₹1 lakh is payable at the time of booking, and the remaining ₹2.32 lakh within 60 days.

How to Apply and Book Your Flat?

Interested applicants can register online through the DDA official portal. Once the flat is selected, a token booking amount — based on the category of the flat — needs to be paid. The remaining payment schedule and documentation details are shared after confirmation.

Why This Scheme Is a Game-Changer

In a city like Delhi where real estate prices are often out of reach for middle and lower-income groups, this initiative makes homeownership not just a dream, but an achievable goal — and that too without bank dependency. The combination of heavy discounts, minimal upfront payment, and installment-based balance payment gives this scheme a unique edge.

Final Thoughts

DDA’s Apna Ghar Awas Yojana 2025 is a golden opportunity for individuals and families dreaming of owning a home in the national capital. With easy booking, flexible payment, and bank-free ownership options, the scheme promises a smooth and accessible homebuying experience. If you're planning to buy a flat in Delhi, this might just be the opportunity you've been waiting for.