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FAQ – Home Loan for 3rd Floor Flat
Approved height of building for G+3 floors
In Delhi, it is 15 meters without stilt parking and 17.5 meters with stilt parking.
Other NCR town has separate norms you can check locally.
Are all third floor flats built under 17.5 meters approved
Apart from building height, flat need to confirm other parameters. These include FAR, setback (open space), and number of duelling units.
Permissible height for group housing societies in Delhi NCR
In Delhi / NCR, there is no height restriction on group housing society. Because of their heights, they need extra approvals for fire safety, Airport Authority, and structural stability.
Along with these, DTP has other needs depending on different cities of NCR.
How much is approved Floor Area Ratio (F.A.R.) in Delhi
Depending on plot size, it is between 120% to 350%. Download Delhi Master Plan 2021 PDF (page 49).
Because of excess FAR coverage, buyers face difficulty to raise home loan on 3rd floor flat.
In other NCR towns, it is significantly lower compared to Delhi.
Is It safe to buy 3rd floor flat in Delhi NCR?
In Delhi NCR, most of buildings are plotted where people own and construct on land. People follow no uniform structural strength guidance. Seismic zone 4 geographic location makes it vulnerable to high-intensity earthquakes.
Important advice is, whichever floor you buy, look for structural strength of building. Deeply inspect condition of property. Any cracks, breaks, mold, and pests near the foundation are signs of heading to the next property on your list.
Why banks don’t give home loan on without map 3rd floor in Delhi NCR?
Banks may offer home loan without approved map up to 2nd floor because of permissible FAR coverage.
In case of excess FAR, municipal authorities orders demolition/sealing on upper floors. It is because demolishing lower floors can destabilize the building.
For these reasons, banks are conservative to offer home loan on without map third-floor flat.
Joy Loan for 3rd floor home loan in Delhi NCR
We are a local loan consultant with experience of helping people like you. We provide perfect home loans to different challenging requirements.
We have partnered with top banks and NBFC to offer you the best rate of interest in all properties and incomes. A loan with us, make your loan an amazingly easy and pleasant.
We take a small coordination fee after approval of loan. These charges are a fraction of the price you will spend with our competitors. So you risk nothing by submitting your details with us.
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