The original project of HDFC was like DDA in Delhi and PUDA in Chandigarh and if you purachse a flat from a private contarctor and out of a house loan you are bearing theprofir of the contarctor as well as paying interst @ approx 10%.. The governement can directly be into construction But I was not happy about DDA flats but thsoe in Chandigarh also werenot of that good quality.. There should be a through check of material used.. In case you want good qaulity housus then contact private flats.. Thelife of a private flat will be 3 times more that DDA flat.. IS IT SO ?? That is I saw poor quality ceemnt used in Delhi flats.. They must have become old.. In my personal house also the cemnt was not good and chuna lagya tha and neighbours made good quality houses.. Regards Mahesh nayathil http://www.maheshnbiomedical.com