The Deen Dayal Jan Awas Yojana (DDJAY) of the Haryana government aims to develop high-density plotted colonies in low-medium potential towns within the state, where small-sized plots are available through a liberal policy framework. The completion time of the housing projects under DDJAY is seven years from the date of grant of licence. For making housing available at affordable prices, the external development charges (EDC) under DDJAY are lower than the standard project costs. The developer can only take 30% of the total designed residential plot under this policy. The average area of the colony under this scheme is 15 acre, and the first license would be 5 acre or above and the additional licence for a minimum of 2 acre. The developer can build four independent floors on each segment with lift, parking and stilt. This policy seeks to resolve the issue of unorganised colonies and providing affordable housing. It will help the migrants to buy a house in Gurugram, and it will also help developers register their business growth. Developers have launched mid-sized projects with independent floors having 2BHK and 3BHK segments along the Dwarka Expressway and Gurugram. The scheme falls under Prime Minister Awas Yojana (PMAY), which is approved under the Haryana government's Consolidated Licensing Policy 2015. Under this scheme, buyers can avail loans up to 75% of the property value from public and private banks. Buyers can also borrow up to 90% loan on building floors and flats. The buyers can do the registry separately for each independent floor, and a bank loan will also be available for the individual floor. The allotment of the plots is allowed on a first-come-first-serve basis. The provision of this policy is to ensure timely delivery and transparency of the housing units. Developers will have to transfer 10% of their licensed colony to the Haryana government for the development and maintaining the community facility. It will ensure that the project development is simultaneous. The state government personally supervises the projects under this scheme to ensure timely development. The scheme provides options to the buyers to buy flats, builder floors and plots, and construct their own houses according to the requirement. Image SourceAlso read: Over one lakh homes built in Madhya Pradesh under PMAY scheme Also read: PMAY-Gramin: Lockdowns slow down construction of homes