Wfumt i* &,tt *rdable Housi ng?

. According to the RICS Report on Making Urban Housing Work in lndia, affordability in the
context of urban housing means provision of 'adequate shelter'on a sustained basis, ensuring
security of tenure within the means of the common urban household. RICS
Practice Standard Guidance Notes (GN 59 2010) states that 'affordable housing is that provided
to those whose needs are not met by the open market'.

. According to the KPMG Report on 'Affordable Housing - A Key Growth Driver in the Real
Estate Sector', affordable housing is defined in terms of three main parameters, namely income
level, size of dwelling unit and affordability. Whilst the first two parameters are independent of
each other, the third is a dependent parameter that can be correlated to income and property
prices.

. As per US Department of Housing and Urban Development, the generally accepted definition
of housing affordability is 'for a household to pay no more than 30% of its annual income on
housing. Families who pay more than 3A% of their income for
housing are considered cost burdened and may have difficulty affording necessities such as
food, clothing, transportation and medical care'.

. According to the Task Force on Affordable Housing set up by the MHUPA in 2008, affordable
housing for various segments is defined by size of the dwelling and housing affordability
derived by the household income of the population.

. The JNNURM Mission Directorate of MHUPA has also defined affordable housing in its
amended Guidelines for Affordable Housing in Partnership released in December 2011 (Figure
4).

Wkm* aw m{{*rrlubl* fu*u*murjry Ww\i*,y"{

This policy is intended to encourage the planning and completion of ,,Group Housing Projects"
wherein apartments of ,,pre-defined size" are made available at ,,pre-defined rates" within a
,,Targeted time-frame" as prescribed under the present policy to ensure increased supply of
,,Affordable Housing" in the urban housing market to the deserving beneficiaries.

Wfuwt e{w r\ewvl,Nnag wxrrS erwe We{erneters?

(i) Planning Parameters: The planning parameters for the projects allowed under this
policy are as follows:
 a. Min. and Max. density permitted:
g5Oppa (min)
& 900ppa (max)
b. Maximum FAR allowe d:225

c. Maximum Ground Coverage

allowed:50%

d' Maximum area under commercial

Use: 4% of theNet planned
Area at 175 FAR.
e' Minimum Area under organized
open spac e: L5%of the
Net pranned Area
f' occupancy Norm (for density
carcurations): 5 persons per frat

8' An additionat component of population

density, FAR and commerciar
what is allowed in g'o,p housing area is
lJil'lrTffvond cotonies to ensure the viability of

(ii) Type of Apartment

and Area under such Apartments:

a' The apartments of pre-defined

size-range shall be ailotted
ensure provision of affordable at a pre-defined rate to
hor,rsing under this policy.

b' The carpet area of the apartments

sharr range from 2gsqm
to 60sqm in size.
c' The term "carpet area"
shall mean the net usabre
the walls of the apartment but covered froor area bound
excruding the ;-;;;"red
within
batconv which is approved by the wars and any
free-of-FAR,-but i;.il;;;
kitchen, toiret, bathroom, the area forming part of
store ,no tr,t,-in .r;o;;i
usable covered area shall ahirah/sherf, which being
form part ofthe carpet area.

d' No separate EWS category apartments

shall be provided to eliminate
subsidy component and thus any cross
to avoid anv .dr;;J;;;act on
apartments made available the affordabirity of
under this policy.

(iii) Parking Norms:

be provided at the rate or

ilJffil:ff:i::Jhall harr Equivarent car space (ECS)

b' only one two-wheeler parking

site shall be earmarked
allotted onry to the frat-own.rr] for each flat, *n,.n shall be
ir.,.-parking bay of t*o_*t,".ters
2.5m unless otherwise specified sha, be ,.gm x
in the zoning plan.

c' No car parking shail be ailotted

to any apartment owner in such projects.
 d' The batance available parking
space, if any, beyond
be earmark.a ., rl."-riritor-..r-parking the arocated two-wheerer
parking sites' can
space.
e' Additional parking norms
and parameters, if any,can be specified in
plan.
the zoning
(iv) community sites:
The coloniser ,nr,,
community sites in any required to provide the
,o:.
such project, *i,irr'rrrrrr forowing
facirities as defined under the
rorm p.rt ;;
Harvan;;;;;;r"rt ft common areas and
ownership Act:
a' one buirt-up community
Ha, of not ress than 2000sqft.

b. one buirt-up Anganwadi_cum

creche of not ress than
2000 sqft area.
c' No other community
sites shall be required
to be provided in such project.
(v) Maintenance of
colony after completion
4% is being allowed in of project: A commerciar
the project to enabre the component of
free-of-cost for a period
of five ,urr,
-i.,
coronisu, io ,r,ntain
the corony
certificate' after which the the date of grant of occupation
colony stratt siana tr.rrf.rr"Jio',n" ,,association
apartment owners,, constituted
under tt,u Hrryrna Apartment of
for maintenance' The coloniser ownership Act 1gg3,
shail noiiu.rrowed
to r;;;;;it",u mrintenance of
I[,Tli?Ii[::ffiii} ?:ll:'trv r.lx,
r,,,.l,eh anv of its agencies) after
the end of
at the so e

" * i it?flunder,rr"
d s c rei,,
r i

apartment owners" constituted

: :ffi i,r, ;[.i, ffi;j; lru:,::*;;*l #
"r;J
oorr,rent ownership Act r.gg3.
wYtat wr* at{*krnrxmt" rw**w,
**$*tn***w,st *mr. **$6rbN*r*y
*rut*r*m?
Allotment Rate: The allotment
rate for the Apartment
shall be as follows: units approved under such
projects

Sr. No. Developmenr plan y.:jru1 l

allotment rate , Additional recovery
sqft carPet area against balcony of min
l;lo,rtt
5ft clear projection
u
Surgaon" Far.idabad, Rs.4.000/_ per sq. ft.
,panchkuia, pinjore_ ,
Rs 500 per sqft against
Kalka all balcony area in a flat
adding upto and limited
to 100 sqft, as permitted
in the approved building
plans.
b gther High
and. Rs.3,600/_
--vrv'v per sq. ft.
Medium potential Rs 500 per sqft against
Towns. all balcony area in a flat
; adding upto and limited
 to 100 sqft,as permitted
in the approved building
plans.
Low Potential Rs.3,000/- per sq. ft. Rs 500 per sqft against
Towns
all balcony area in a flat

to 100 sqfl. as permitted

in the approved building
plans.

)3#flr:,?:ffixlfffijjilT#?J:x?fl1"i:ed on three sides) sharr not beparr orcarpet

[ii) Eligibitity Criteria:

a' Any person can apply but person
includes his/her spouse or his/her
children who do not own any flat/prot ,yli.h
in any HUDA Jevetopea cobny
dependent
Iicenced colony in any of theUrban /sector or any
A..r, in"Haryana, ur orchandigarh and NCT Delhi shall
be given first preference in allotment
of flats. en"rf pii.rnt in a specific
only one application' Any successful colony shall make
applicant underitris poticy shall not
allotment of any other flat under this poricy be eligible for
in any other corony. In case, he/she
successful in more than one colony, is
rreTsrre wirr rrave ciorce of retain
applicants shall submit an affidauit'to onry one flat. Alr such
this effect.
tMfumt tfu* wpp*x*,wti*n fwww wm& *rytd*wyt *fuwrge*?

i) Keeping into account the fact that

a limited number of projects shall
policy and the sale is to be effected be allowed under this
at a predetermined rate, the licence
fees and IDC shall
off' However, scrutiny fees and conversion
charges at prescribed rates shal be
;J;,:X*t''ed
(ii)similarly' in orderto minimize the
impact of EDC rates on the viabilityof
rates and schedule of EDC applicable such a project, the
on plotted colonies shall be levied
order to encourage early completion of projects, on such projects.ln
in case the colonizer completes
3'5 years from the date of commencement the project in
of project and applies for grant of occupation
certificate in such period, the payment
of last instalment of EDC shail be considered
after grant of occupation certificate. for waiver

\w,amtkfu* prw q*w*rraw& wnN*w,prw

*w{irxwm rmk*w,twrg**w* kxvvu*
{rmruzwr?

Pre defined sizes Pre defined rate Possession time

28 sqm to 60 sqm 4000/- sF 4 Years