Dear, ur opinion that u have mentioned in ur your last sentence is really appreciated but u have started wrongly.because in most cases empolyees are entitled for residence after passing half of there services.in that case what's ur suggestion .they have to paid extra than allottee.for a metro citizen is it enough, 30% of (Basic DP).i.e an executive officer of payscale Rs. 10000/- basic get only Rs. 4500/- for accomodation.