Sreehari B 18 May 2022

Combining 2 plots with different owners and house construction

Dear Sir / Madam,

Myself and my Wife own 2 individual plots but adjacent to each other. We plan to construct a house in the middle considering it as a common plot. The survey numbers of each of the plots are different.

Will I get approval of House plan, if not combined?
Will I get loan approval, if not combined?
Do I need to combine the Plots legally before construction?
If yes, what is the process for amalgamation in case of different ownership?
Any specific / related advice?

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Quick Summary

A couple owns two adjacent plots of land, each registered under a different owner, and wishes to build a single house on them, treating the construction area as a common plot. They are seeking advice on whether they will receive approval for their house plan and loan if the plots are not legally combined. The discussion clarifies that building on separate plots, even if adjacent and owned by a couple, can present issues with planning and loan approval. It is recommended to consult a local advocate and the bank for specific guidance on the legal amalgamation process for properties with different ownership.

3 Replies

G.L.N. Prasad (Retired employee.) 18 May 2022

When the property and approvals are in joint names, the loan should also be in joint names. Absolutely there is no problem. Contact a local advocate of that Bank where you wish to utilize finance for more clarity.

Sreehari B 19 May 2022

Sir, My mistake. Allow me clarify.

I own one plot and my wife owns the adjacent plot.

G.L.N. Prasad (Retired employee.) 19 May 2022

I can understand facts and mistakes. The reply was provided on the presumption that both of the plots were owned separately by both husband and wife through two separate sale deeds. There is no change in reply. It is absolutely a problem at all.