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Anika Bose
Took possession without OC, totally confused about legal options
₹92 lakh paid in Sector 85, possession was in March, but still running after the builder for the OC. Just moved in last month because EMI plus rent was killing me. Things nobody told me: builder gave keys without an Occupancy Certificate, claiming HRERA approval makes it fine. Actually wait, now my bank is questioning title clarity, and any resale exit looks completely blocked. Is a RERA complaint actually effective against these builders in Neharpar, or what did you guys do?
#sector-85#occupancy-certificate#rera-complaint#possession-issues
Comments
Has anyone here actually won an HRERA case against these Neharpar builders and gotten compensation for delay, or do they just get endless hearing dates?
Please keep us updated on what your bank said next, I was about to finalise a ready-to-move deal nearby and now my family is telling me to put everything on hold.
Hearing dates stretch for months honestly, but the notice itself scares them into applying for fire NOC and basic clearances. At least an official paper trail starts.
I checked properties in Sector 35 recently too and found 3 societies doing the exact same stunt. The sales rep tells you 'sab log reh rahe hain ji, OC bas aane hi wala hai agle mahine', and then 3 years pass by. As first time buyers we get so exhausted by rent and EMIs that we just compromise. File that HRERA complaint immediately, waiting politely will only make them ghost your calls.
Bhai, Goyal Estate Agency ka toh background check kiya tha kya? I checked the portal and their total projects count shows 0 official completed developments, how did they even convince you for 92L?
Exactly, 0 registered prior track record is the biggest red flag for first timers! We get fooled by glossy brochures and fancy sample flats, then end up stuck in these unfinished societies with zero amenities functional.
Yes, nationalised banks often hold back the last 5-10% disbursement until OC is produced. Private banks sometimes disburse blindly on demand letters, and then their audit team wakes up and starts harassing the poor buyer. My cousin faced similar issues near Sector 35 where electricity connection was given on temporary builder meter because of missing OC. If you don't have OC, even municipal water connection will be a huge legal fight. Which bank did you take the loan from?
True, and in current Faridabad market resale without OC is completely dead. Nobody will buy except cash sharks who will quote 30% below market rate.
I am not OP, but even my HDFC loan officer warned me never to take keys without OC copy in hand. They can literally reclassify the property risk and freeze further assistance or penalise you.
Reading this literally gave me heart palpitations yaar. 92 lakh is my entire life savings plus a 20 year loan! Are you saying the builder gave physical keys without OC and HRERA allows this?
Maine bhi Sector 85 me flat dekha tha last month, but now I am super terrified. If bank is questioning title clarity now, did your home loan disbursement happen completely before OC?
No, HRERA does not allow moving in without OC at all! The builder just played on your desperation because you were paying double outflow for rent and EMI, classic Neharpar builder tactic.
Wait, abhi recently bank ne kya bola exact words mein? Aur aapne local RERA advocate se consult kiya kya ki penalty kitni claim kar sakte hain delay pe?
Mere case mein bhi bank ne disburse rok diya tha final tranche ka jab tak OC nahi dikhaya. Faridabad authority is getting very strict nowadays about occupancy certificates before issuing final NOCs. I had to literally hire an advocate just to draft a legal notice to my builder, but even that is taking months. Honestly, if the builder has zero completed projects in their profile, collective action with other flat owners is the only way forward. Ek akele buyer ki awaaz yeh log dabaa dete hain. Kya baki neighbors ready hain aapke sath formal complaint dalne ke liye?
Aapke question ka reality check yeh hai ki log aage aane se darte hain. Sabko lagta hai case kiya toh possession bhi revoke na ho jaye ya builder maintenance rok de.
Neighbors ready toh hote hain pehle, fir builder meeting bula ke individually divide kar deta hai sabko. Sector 35 wale project mein bhi yahi chal raha tha, aadhe log back out kar gaye darr ke mare.
Bank notice aane laga hai kya title clarity pe? Yeh sunte hi meri toh neend udd gayi yaar, mera loan bhi process mein hai ek project ke liye.
Sector 35 side mein bhi mere ek relative ke sath exactly yahi scene hua tha last year. RERA complaint file karne se builder pressure mein toh aata hai, but Neharpar belt mein speed bahut slow hai execution ki. Goyal Estate Agency ka toh recorded projects portfolio zero dikha raha hai system mein, koi past track record verify kiya tha aapne booking ke pehle?
Wahi toh problem hai na! Hum first-time buyers brokers ki meethi baaton mein phas jaate hain. Mujhe bhi bola tha ki HRERA number hai toh OC bas aane hi wala hai, 6 mahine se wait kar raha hoon.
Exactly, Goyal Estate Agency has total 0 projects logged on the portal, which makes me super anxious. Jab track record hi nahi hai toh trust kis base pe karein? Faridabad market mein waise hi resale dead chal rahi hai aisi disputed properties ki, exit lena impossible ho jayega.
Bhai 92 lakh dekar bhi yeh tension? Mera toh BP high ho gaya padh kar. I am also looking around Sector 85 on a tight budget, ab toh dekhne ka mann bhi nahi kar raha. Bina OC ke possession lena legal risk nahi hai kya?
Aapke question ka direct answer yeh hai ki moving in without OC is actually considered illegal under municipal laws. Builder ne bas aapka desperation dekha ki EMI plus rent chal raha hai, aur keys pakda di.
Legal risk hi toh sabse bada hai bhai. Without OC, electricity aur water connections are temporary or commercial rates pe aate hain, plus registry cannot happen properly. Maine bhi yahi galti ki soch raha tha EMI bachane ke liye, but now I am scared.