Haryana affordable housing official website

Haryana affordable housing official website

Haryana affordable housing official website :- Here are the official links you need for 2026:

1. TCP Haryana (For Private Builder Projects)

If you are looking for affordable apartments built by private developers (like Signature Global, ROF, or Pyramid) in Gurgaon or elsewhere, this is the primary portal for applications and draw results.

• Official Website: tcpharyana.gov.in

• Application Portal: edraw.tcpharyana.gov.in

• Use this for: Applying for new projects, checking the “Draw of Lots” results, and tracking your refund status.

2. HSVP (Formerly HUDA)

The Haryana Shehri Vikas Pradhikaran handles government-developed sectors, residential plots, and “Group Housing” schemes.

• Official Website: hsvphry.org.in

• E-Auction Portal: hsvp.org.in/Pages/eAuctionPortal (For bidding on plots).

• Use this for: Checking plot status, participating in e-auctions, and the eAwas portal for government house allotments.

3. Housing Board Haryana

This board specifically focuses on housing for EWS (Economically Weaker Sections) and BPL families.

• Official Website: hbh.gov.in

• Use this for: Applying for the Chief Minister Urban Housing Scheme and BPL flat allotments.

4. HARERA (For Verification)

Before paying any booking amount, you should verify that the project is legally registered to avoid scams.

• Gurugram Projects: haryanarera.gov.in (Select “Gurugram” from the dropdown).

• Panchkula/Rest of Haryana: haryanarera.gov.in (Select “Panchkula”).

Important Warning for 2026:

Physical forms are no longer accepted. All applications for the Affordable Housing Policy must be submitted through the TCP e-Draw portal mentioned above. Do not give cash or cheques to brokers for “confirmed allotments”—the process is strictly handled via a computerized lottery.

1. Who is eligible for Haryana Affordable Housing?

• Property Ownership: Any citizen of India can apply. However, priority is given to those who (or whose spouse/minor children) do not own any residential plot or flat in any HUDA-developed colony, Urban Estate, or licensed colony in Haryana, Delhi, or Chandigarh.

• Income: There is no upper income limit for general affordable housing, but for EWS (Economically Weaker Section) specific schemes, your family income must typically be below ₹3 Lakh per annum.

2. Can I apply for multiple projects at once?

Yes. You can apply for multiple projects. However, if you are lucky enough to win the draw for more than one, you can only keep one unit. You will have to surrender the others, and a small administrative fee may be deducted from your refund.

3. What is the “5-Year Maintenance” rule?

By law, the developer is responsible for the maintenance of the society for 5 years from the date of the Occupation Certificate (OC). During this time, they cannot charge you a monthly maintenance fee. You only pay for your actual electricity and water consumption.

4. Can I sell my flat immediately after allotment?

No. There is a lock-in period of 1 year from the date of possession. Even after that, transferring the property requires permission from the Town and Country Planning (TCP) Department and payment of a transfer fee.

5. What happens if I don’t win the draw?

If your name is not selected in the computerized draw, the developer or the TCP department is mandated to refund your booking amount (the 5%) within 15 to 30 days of the draw date.

6. Are bank loans available for these projects?

Yes. Most major banks (SBI, HDFC, ICICI, etc.) provide up to 90% funding for affordable housing projects because these are backed by the Haryana Government’s policy.

7. What are the extra charges beyond the flat price?

While the carpet area price is fixed, you should budget for:

• External Development Charges (EDC): Usually included in the price, but verify.

• GST: Currently 1% for affordable housing.

• Stamp Duty & Registration: Roughly 5% to 7% of the property value at the time of possession.

• Utility Connection Charges: For electricity and water meters.

Important Alert: Avoid Scams

Do not pay cash to any broker. All official payments must be made via the TCP e-Draw portal or via Cheque/DD/RTGS in the name of the project’s specific Escrow Account.

the Haryana affordable housing sector is entering a “second phase” of growth. With major infrastructure like the Dwarka Expressway now fully operational, the focus has shifted toward high-rise apartments in New Gurgaon and plotted colonies under the DDJAY scheme.

Here is a close look at the projects and trends active right now:

1. Top Projects Opening/Closing in early 2026

While many projects have already held their draws, these specific registrations are either currently live or have upcoming windows:

2. Updated Price Caps for 2026

The Department of Town & Country Planning (DTCP) has strictly regulated pricing to prevent inflation in this segment. In Gurgaon, the current rates are:

• Carpet Area: Approximately ₹5,000 per sq. ft.

• Balcony Area: Capped at ₹1,200 per sq. ft. (up to 100 sq. ft.).

• 1-BHK: ₹22 Lakh – ₹28 Lakh.

• 2-BHK: ₹32 Lakh – ₹40 Lakh.

• 3-BHK: ₹42 Lakh – ₹55 Lakh.

3. The “Draw of Lots” Timeline (Feb/March 2026)

If you have already applied for any of the following, check the TCP Haryana e-Draw portal for these results:

• The Ridge Residency (Sohna): Draw was held on Feb 7, 2026.

• Ganga Realty Tathastu (Sector 22): Draw results were announced Feb 3, 2026.

• Upcoming Unitech Draw: Scheduled for March 19, 2026, for successful allottees.

4. Key Developers to Watch

These builders consistently launch units under the Affordable Housing Policy and usually have the most reliable RERA compliance:

• Signature Global: Look at Orchard Avenue 3 (Sector 93) and Imperial (Sector 88B).

• MRG World: Check status for The Skyline (Sector 106) and Ultimus II (Sector 90).

• ROF Group: Active in Sohna (Sector 7) and Gurgaon (Sector 93/95).

• Pyramid Infratech: Currently developing Pyramid Nest (Sector 85).

Quick Tips for 2026 Buyers:

1. Check the “Surrender List”: Often, winners of the draw cannot arrange funds and surrender their units. These units are re-allotted to the waitlist. If you are on a waitlist, keep your phone active for SMS notifications.

2. DDJAY vs. AHP: If you want a floor or plot, search for Deen Dayal Jan Awas Yojna (DDJAY). If you want a high-rise apartment, search for Affordable Housing Policy (AHP).

3. PMAY Update: While the PMAY-U scheme has seen extensions, ensure your bank specifically checks your eligibility for the Credit Linked Subsidy Scheme (CLSS) for your 2026 purchase.

1. Can I sell my affordable flat after buying it?

No, not immediately. There is a strict 5-year lock-in period from the date of possession. You cannot legally transfer or sell the flat before this period ends. If you try to sell it through “power of attorney” or other informal methods, you risk legal complications as the registry will not be transferred by the authority until the lock-in expires.

2. Are there any hidden maintenance charges?

For the first 5 years after possession, the developer is mandated to maintain the society free of cost.

• What you DO pay: Electricity bills, water consumption, property tax, and doorstep garbage collection.

• What you DO NOT pay: Salaries for guards, lift maintenance, or cleaning of common areas.

• Pro-tip: Some builders try to charge “security fees” or “clubhouse charges.” As per the 2026 DTCP clarification, these are often illegal—always check the official policy before paying.

3. What happens if I want to cancel my application?

If you are successful in the draw but decide not to move forward:

• Before Allotment: You get a full refund of your 5% booking amount.

• After Allotment: The developer will forfeit a fixed amount (usually ₹25,000 + GST) plus a small percentage of the flat’s cost (1-5% depending on how much time has passed since the project started).

4. Is there a car parking space included?

Generally, no. The Affordable Housing Policy does not mandate a dedicated, covered car parking spot for every flat. Most societies provide open, “first-come-first-served” parking. This is a major pain point for residents in 2026 as car ownership in Gurgaon continues to rise.

5. What is the “10% Interest Rule” for delayed draws?

If the developer does not conduct the lottery draw within 90 days from the last date of application, they are liable to pay you 10% interest on your booking amount for the period of the delay. This was introduced to stop builders from “holding” public money indefinitely.

6. Do these flats come with power backup?

The provision for power backup is optional and varies by project. Most 2026 projects include basic backup for lifts and common area lights, but if you want backup inside your flat, you may have to pay an additional one-time installation charge or monthly DG (Diesel Generator) charges.

7. Can I get a home loan for these projects?

Yes. Since these are RERA-registered and government-approved, almost all major banks (SBI, HDFC, ICICI, etc.) offer loans. In 2026, you can typically get funding for up to 90% of the property value if you meet the credit criteria.

1. What is the latest on the “Price Cap” in 2026?

As of February 2026, the government-mandated price cap remains at ₹5,000 per sq. ft. for carpet area (and ₹1,000 per sq. ft. for balconies). However, there is massive pressure from developers to hike this to ₹6,000+ due to the 30% rise in construction costs. If you find a project at the current ₹5,000 rate, it is considered a “steal” in the current market.

2. Can unmarried couples or siblings apply together?

Yes, but with a catch. * You can apply as joint applicants.

• However, the “Family” definition for eligibility (the no-property rule) still applies to each individual.

• If you are an unmarried couple, you are technically two separate “families” in the eyes of the law until married. If you marry after allotment, you still have to follow the rule of owning only one flat per family under the policy.

3. What is the “Waitlist” and how does it work?

In every draw, the government also picks a Waitlist (usually 25% of total units).

• If someone from the main list cancels or fails to pay, the unit goes to the first person on the waitlist.

• Pro-tip: If you are on the waitlist, your 5% booking amount stays with the builder. If you get tired of waiting, you can withdraw at any time and get a full refund.

4. Can I rent out my affordable flat immediately?

Yes. Unlike the 5-year lock-in for selling the property, there is no restriction on renting it out. In 2026, rental yields for these flats in sectors near the Dwarka Expressway are hitting record highs of 5%, as many office-goers prefer these budget-friendly homes over expensive high-rises.

5. What if the builder stops construction?

This is a valid fear in 2026. If a project is stalled, your first point of contact is HARERA (Haryana Real Estate Regulatory Authority).

• Under the 2026 guidelines, if a builder delays possession beyond the RERA deadline, they must pay you monthly interest (usually SBI MCLR + 2%).

• If they stop completely, the government has the power to hand over the project to another developer to finish it using the remaining funds.

6. Are there specific quotas for women or senior citizens?

Yes. The Haryana policy often includes:

• 5% reservation for personnel of the Haryana Police.

• Preference for Women: While not a “quota” in the draw itself, the government encourages registration in the name of the female head of the family, and many banks offer a 0.05% lower interest rate on home loans for women.

7. What should be on my “Possession Checklist”?

When the builder finally calls you for keys in 2026, don’t just sign the papers. Check for:

• Seepage/Dampness: The most common issue in budget builds.

• Electrical Points: Ensure all sockets and the MCB are functioning.

• Window Sealing: Gurgaon’s dust and noise are relentless; ensure the windows close flush.

• OC (Occupation Certificate): Never take possession without seeing the official OC from the DTCP. Without it, your electricity and water connections will be temporary and expensive.

Frequently Asked Questions

What is a builder-buyer agreement?

It is the core contract between you and the developer, setting the price, payment plan, area, specifications and possession date. Read it fully before signing.

What is an occupancy certificate and why does it matter?

It certifies a building is legally fit to occupy. Never take possession of a completed home without it, since it affects loans, utilities and resale.

What is mutation and why is it important?

Mutation updates the ownership in municipal and revenue records after a sale. Without it the property tax and records still point to the old owner, so get it done.

What credit score do I need for a home loan?

Lenders prefer a healthy score, usually in the mid-700s and above, for the best rates. A lower score can still get a loan but often at a higher rate.

Can I claim tax benefits on a home loan?

Yes, home-loan principal and interest carry deductions under the income tax rules, subject to limits and conditions. Confirm the current rules or ask a tax adviser.

What is the difference between freehold and leasehold?

Freehold gives you full, permanent ownership of the property and land; leasehold runs for a fixed term from an authority. Freehold is generally simpler to resell.

How do I check a builder's track record?

Look at delivered projects, delivery delays, the RERA record and buyer reviews. A builder with a clean, on-time record lowers your risk sharply.

What red flags should I watch for when buying?

Unclear title, missing approvals or RERA, pending dues, a builder with delays, and prices far below the market. If something feels rushed, slow down and verify.

What is the difference between capital appreciation and rental yield?

Appreciation is the rise in the property value over time; rental yield is the annual rent as a share of the price. Most Indian homes give modest yield and rely on appreciation.

How much should I keep as a buffer beyond the price?

Set aside for stamp duty, registration, GST where it applies, interiors, and a contingency. A buffer of a meaningful share above the base price is prudent.

Is a home loan pre-approval useful?

Yes, a pre-approved loan tells you your budget, speeds up booking and strengthens your negotiating position with sellers. Get it before you shortlist seriously.

How do I choose between two similar projects?

Compare the builder record, RERA status, carpet area, real amenities, connectivity and total cost, not just the headline price. Visit both before deciding.

What stamp duty and registration charges apply in Gurgaon and NCR?

Stamp duty and registration vary by state and are usually a few percent of the property value, with a small rebate for women buyers in many states. Confirm the current Gurgaon and NCR rate before you budget.

How much home loan can I get to buy in Gurgaon and NCR?

Most buyers get a loan for 75-90% of the value, tied to income and credit score. Our home loan by salary guide shows the ranges.

What documents do I need to buy property in Gurgaon and NCR?

Identity and address proof, PAN, income papers for a loan, and the property title chain, approvals and latest tax receipts. Keep both sides KYC ready for registration.

How do I check if a project is RERA-registered?

Search the state RERA portal by project or builder name for the registration number and approved plan. Our RERA check guide explains it.