Nikhil Chachra

Nikhil Chachra

Nikhil has 17 years of work experience and has worked across different organizations in diverse roles including a Software product company, Chamber of Commerce, Consulting company, an early stage Startup and a Social Development organisation. Nikhil specialises in events and outreach management, marketing communications, managing PR and media, government affairs and policy advocacy. He is currently associated with a large Indian private sector bank as an Advocacy and Policy Engagement Specialist. He writes extensively on Cybersecurity, Internet Safety and Legal topics. Additionally, he also contributes his knowledge in video format. Nikhil has attended an Executive programme in Marketing Management from IIM Kozhikode. He is an Electronics Graduate from Delhi University and has completed his Masters in Business Administration from Guru Gobind Singh Indraprastha University, New Delhi.

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DDA Flat Registration Scheme is a yearly "affordable housing" event
Property

DDA Flat Registration Scheme is a yearly "affordable housing" event

This post is one of the most frequently talked about topics of discussion when it comes to affordable housing. Yup, you guessed it right, we are talking about the Delhi Development Authority (DDA) Housing Scheme that is announced by the government on a yearly basis. This topic garners keen interest not only because affordable houses are offered to applicants via lucky draw but the scheme also covers a wide stratum of people, whether they are from the general category or from economically weaker groups or the reserved sections of the society like SC, ST, OBC, etc. As we progress in this post, you will have more insights on several aspects related to the DDA Flats Registration Scheme 2021 – what is the scheme about, its benefits and the general eligibility conditions, etc.

What is the DDA Flat Housing Registration scheme?

Briefly mentioning, under the Pradhan Mantri Awaas Yojna, DDA recently announced the housing registration scheme for the year 2021 wherein the authority has put for sale, more than 1300 flats of various types located at different locations in New Delhi. The sole aim of the scheme is to enable people to buy affordable houses as the houses being offered by DDA are priced cheaper compared to the houses sold by private real estate developers.

The ongoing pandemic has seen massive digitization of government services. DDA Housing Registration Scheme for 2021 has also followed the same path. The authority has completely automated the flats registration process. Some of the following online services are likely to be provided by the DDA to potential house buyers through its Awaas software:

  • Initiating the Online flat registration process by prospective buyers

  • Filling up the online flat registration form

  • Paying flat registration charges and fees

  • Conducting draw of lots under the supervision of authorized government officials

  • Issuing allotment and/or possession letters to the allottees

An important point to note in this scheme is that the allottee(s) may need to visit the office of the DDA for completing the conveyance deed execution process in his or her name.

People Also Read This: Flat Registration - Procedure, Documents Required and Stamp Duty Charges

Type of Flats being offered under the scheme and related registration charges

There are broadly four categories or types of flats that have been put for sale by the DDA under the current scheme. They are:

  • Higher Income Group (HIG) – The registration charges or application amount to be paid for this category of flats are Rs. 2 Lakhs.

  • Middle Income Group (MIG) – The registration charges or application amount to be paid for this category of flats are Rs. 2 Lakhs.

  • Lower Income Group (LIG) – The registration charges or application amount to be paid for this category of flats are Rs. 1 Lakh.

  • Economically Weaker Section (EWS) - The registration charges or application amount to be paid for this category of flats are Rs. 25 Thousand.

Some general conditions to be noted are:

  • The application once submitted cannot be withdrawn.

  • The spouses (husband and wife) can apply either separately or jointly with their spouse(s). However, if they apply separately/individually and both applications are selected in a lucky draw, only one flat will be allotted as per regulations.

  • The allotment of flats will happen via draw of lots, the date of which will be announced by DDA in due course.

  • The date of allotment will also be announced soon by the DDA.

  • The possession of flats will be given after allotment and receipt of the first payment by the DDA.

  • The DDA will initiate the refund of payment for an unsuccessful draw after 30 days from the date of draw of lots.

  • It is advisable to regularly visit the DDA website for information on the ‘lucky draw’.

Those who read this Article also Consulted a Lawyer about DDA Schemes. 

What are the eligibility conditions for putting a DDA housing scheme application?

As per DDA, any applicant interested in putting up an application needs to fulfill the following criteria:

  • Only a citizen of India can apply for the scheme.

  • Applicant must be over 18 years of age.

  • Applicant must not be an existing leasehold or freehold owner or joint owner of residential house or plot of size 67 square meters in Delhi, New Delhi, or Delhi cantonment.

  • Applicant must possess an active bank account.

  • Applicant must also have PAN Card.

  • Annual income of applicant applying under EWS category must not exceed Rs. 3 lakhs.

  • Household income of EWS category applicants should not be more than Rs. 10 lakhs.

People Also Read This: What is a Possession Certificate?

What documents are required for submission along with the application?

The applicant needs to submit the self-attested copies of the following documents:

  • Address Proof that may include documents like Driving License, Passport, Voter ID, Electricity Bill, Aadhaar Card, etc.

  • PAN Card

  • Bank Statement or Passbook

  • Income Tax Return filed for the assessment year

  • Reserved Category certificate, as applicable, issued by a competent government authority

Conclusion

The DDA Housing Scheme is a good opportunity for all those who are planning to buy a reasonable house in Delhi. The scheme has been created keeping in mind the budgetary constraints of people who dream to own a home. With several nationalized government and private banks providing housing loans at prevailing interest rates, the scheme definitely has the potential of being economical for the common citizen. We suggest you evaluate all your options including the legalities involved and register before the deadline ends if it fits your bill.

In the middle of land dispute, a land acquisition lawyer can be your saviour
Property

In the middle of land dispute, a land acquisition lawyer can be your saviour

Many of us may have plans to buy land parcel(s) – residential, commercial, or agriculture. I mean having an independent house or a commercial store or a farmhouse is one big dream for most of us. However, we must be aware of the fact that the piece of land that we acquire by way of purchase or lease, or inheritance has clear demarcations and is free from any disputes. Ultimately, no one wants to bear an unnecessary headache while putting in life savings.

There is this other scenario where you already are an owner of a piece of land with a clear definition of its title and demarcation. However, the Government announced a development plan that mentions that the piece of land, which is in your name, will get acquired in due course. The biggest question that arises in your mind in this situation is, what are my options now?

So, it becomes important to understand certain basics of land acquisition, disputes arising out of it, parties affected, the need for a land acquisition lawyer, and so on.

 

What is Land Acquisition?

In simple words, it is defined as:

  • The power of the government to acquire land for the purpose of development and urbanization.
  • Until 2013, it was governed by the Land Acquisition Act, 1894. A bill was proposed for amendments that were passed by Lok Sabha but the same is still pending in the Rajya Sabha.
  • The government does not require the consent of the landowner for executing this process.
  • The government issues a notification to the landowner about the land being acquired.
  • The government compensates the landowner reasonably in the process.

 

What is Land Dispute?

It is simply defined as a disagreement between two parties over the legal right of a particular piece of land. The legal rights include the title, possession, and control of land parcels under consideration.

 

People Also Read This: Land & Property Registration: All You Need To Know

 

Who Can Get Affected By Land Disputes?

Anybody who is a rightful owner of a piece of land can get affected by land acquisition and the related disputes arising in the process. Generally, the affected parties include:

  • Individual owner(s)
  • Organizations such as NGOs
  • Indigenous Groups like tribal and mobile communities 
  • Corporates
  • State Government
  • Central Government

 

Reasons for Land Disputes

India as a country has so much diversity and multiple interests. However, many-a-times, it becomes an unavoidable reason for land acquisition disputes. Disputes can arise while the government announces the acquisition of land parcels. But there are several other reasons due to which a dispute may arise and the help of a land acquisition lawyer is needed.

Some common ones are:

  • Announcements made by the government for development and industrialization
  • Conflicts related to the improper demarcation of boundaries
  • Ownership conflict between multiple owners
  • Conflicts arising out of the inheritance
  • Land grabbed violently
  • Discrimination based on gender or religion
  • Sale of a single land parcel to multiple buyers
  • Issues related to payment while using or buying land

 

Who is a Land Dispute Lawyer?

He or she is a qualified person in land acquisition law and can represent you to defend your dispute settlement claims in a court of law.

 

People Also Read This: What is a Land Possession Certificate?

 

Why Do We Need A Land Dispute Lawyer?

The land-related laws generally tend to be complicated. Especially, in a country like India, where land is a state subject and is governed by multiple legal frameworks. Interpreting the laws correctly is the most essential when you are in the middle of a dispute or your land property is getting acquired. Ultimately, getting the right advice is the only thing that matters the most apart from getting a timely redressal to the dispute.

Getting proper legal advice is not a choice but a necessity and hence there is a strong need of consulting a qualified expert who will help in charting your further course of action.

A land dispute lawyer can assist you in the following:

  • Doing research related to land records
  • Advising you how a particular dispute affects your land property
  • Suggesting the possible and correct legal remedies
  • Representing your case in courts
  • Getting your land-related titles cleared in government records
  • Helping clear liens (if any) on your land parcel
  • Helping you to avoid mistakes that can lead to financial liabilities in the future

 

Summing Up

While no one wants to be in the middle of such an ugly situation, several times many of us become a victim of an unwanted unpleasant legal tussle. The biggest problem of such a dispute is that no one knows the time it will take to get a proper resolution. So many different legislations built around land acquisition and disputes further complicate the already twisted situation and make matters worse. The only immediate redressal that comes to one’s mind is a qualified and experienced land dispute lawyer.

Conveyance Deed and Sale Deed: Two sides of the same coin?
Property

Conveyance Deed and Sale Deed: Two sides of the same coin?

It is everyone’s dream to be a proud owner of a house. Isn’t it? No matter big or small, after all your owned house is your own. While the process of buying a house in India is fairly complicated, it is a known fact that the business of real estate is marred with lack of transparency and corruption at the grass root levels. To make matters worse, there are hardly any government authorised information outlets from where you can get complete information about the process of buying a house and the legal formalities involved.

In the absence of this valuable information, the entire process of owning a house becomes even more nightmarish for prospective buyers, let alone knowing the difference between what a particular document means and why that document is important in the purchase process. Ask any individual who is going through the process and he or she will tell you certain realities that are horrifying to hear.

Nevertheless, we resolve to clear the air for you. By the end of this article, you will have a reasonable understanding about mandatory property documents like conveyance deed, sale deed, difference between these two documents and so on.

What Is A Conveyance Deed?

It is a legal document that is used to willingly transfer the title of the property from one person to the other. The transfer of title can be in the form of either a gift or a lease or an exchange or a mortgage or a sale. A conveyance deed essentially has the following characteristics:

  • Conveyance is an act of transferring ownership of property from one person to the other.

  • Deed is the legal document that is a binding contract between two parties and in India it is governed by the Registrations Act 1908.

  • Conveyance Deed is the most important document required to buy a property.

  • Without conveyance deed, property purchase is invalid.

People Also Read This: Society Conveyance Deed: All You Need to Know

What Is A Sale Deed?

Before going further, we must also understand this. It is a legal agreement between the buyer and seller of the property where seller agrees to transfer his or her ownership to the buyer through sale on meeting certain mutually agreed terms and conditions. The important characteristics of a sale deed are:

  • A sale deed is one type of a conveyance deed

  • A sale deed and an agreement to sell are two different legal documents.

  • An agreement to sell does not transfer ownership or title of property from seller to buyer.

  • Sale deed includes general terms and conditions of property sale like details about the property being transacted, current owners (seller), new owner (buyers) of property, detail of loans (if any), utility payments like water and electricity, statutory payment like property tax, details of transfer of property title, rights and ownership, agreed amount of transaction and payment mode (full or part) and indemnity clauses.

Those who read this Article also Consulted a Lawyer about Conveyance Deed and Sale Deed.  

 

What is the Difference Between Conveyance Deed and Sale Deed?

The two terms, conveyance deed and sale deed, are used very frequently in real estate transactions and not many of us know the difference between the two. To put it simply, these terms many-a-times are used interchangeably. However, there is only a small difference between these two documents – a sale deed is a type of conveyance deed whereas the conveyance deed is not considered as a sale deed.

Type of Conveyance Deeds

While there are so many jargons that you hear related to property documents, it is important to know various types of conveyance deeds that can be executed. There are three:

  • Freehold Conveyance – This means the owner of the property has free right on the property including both internal and external structure. This is issued to the owner of the property by the designated state authority (for example, Delhi Development Authority in case of properties in Delhi) marking the property as ‘Freehold’.

  • Leasehold Conveyance Deed – This means the owner of the property only has rights within the four walls of the property and not the external structure. Generally, the common area and the building is owned by the landlord.

  • Mortgaged Conveyance Deed – This means that the property is mortgaged with a bank or financial institution. However, the owner can enter and enjoy the privileges related to the property.

People Also Read This: Lease Deed Registration: Everything You Should Know

Contents Of A Conveyance Deed

It is also important to know the contents that go in a conveyance deed before two parties sign it. A conveyance deed document should have details about area of the property (demarcation), details of annexed property, full chain of titles leading up to the current owner (seller), details of property handover to buyer, possession letter(s) and all terms and conditions of the property transaction. Any person must also take care of following while executing a conveyance deed:

  • The owner of the property (seller) must certify that the property is free of any legal restrictions or disputes.

  • The seller should also produce the authorised payment receipts of utility payments like water, electricity and gas to the buyer.

  • The seller should also clear the property tax dues prior to execution of the deed and share the authorised payment receipts with the buyer.

  • The buyer must pay TDS on property sale amount to the respective state government and submit the receipt to the seller.

  • In case there is some loan taken against the property, it should also have details of the loan. The seller should clear the outstanding amount to the lender before executing the deed.

  • The seller should convey the exact date by which the final possession of property will be given to the buyer.

  • The conveyance deed should be executed in presence of two witnesses and they must sign the conveyance deed to mark their presence.

  • The conveyance deed should be submitted to the local registrar’s office along with all original documents for registration within four months of execution. This should be followed by payment of stamp duty and registration fee to the respective state government.

          Those who read this Article also Consulted a Lawyer about Conveyance deed. 

It is important to clearly draft legal document(s). It is even more important to get them executed carefully. Afterall, when it comes to matters as sensitive as property, you cannot afford any lapses. Talking to a Legal Expert is a right thing to do.

LegalKart takes pride in simplifying the interaction between you and an advocate, whether it is your first interaction or a second opinion. Talk to a LegalKart Expert today and get unbiased and honest answers to your problem. Right advice, ultimately can make a difference.

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