Recently we bought a flat in 4th floor. The build layout got permission in 2007 itself. We got loan from ICICI bank also. As recently GHMC made the occupancy certificate as mandatory, we asked our builder to provide it. He said that since the layout got permission in 2007 itself, this building didn't went for mortgage process and we won't get it. We checked with bank also and they are also telling the same.
Moreover, the building has permission for 4 floors only. But it is constructed with 5 floors. We are not sure about whether we will get the occupancy certificate or not.
Please advice.
