NOC for Property or No Objection Certificate: All You Need to Know

No Objection Certificate (NOC) for Property is an important document that serves as proof of ownership of a particular property. It is a legal document that must be obtained from the relevant authorities to ensure smooth and hassle-free transactions.

As we know 7/12, Khatian, Ration Card is an important document of the property. No Objection Certificate is also a major document for any type of transaction you need to settle on behalf of another person or it will issue the government authorities for giving clarity about whether they do have any object for the particular property transaction.

NOC (No Objection Certificate): Meaning

NOC is an abbreviation for the No Objection Certificate, which is a vital legal document provided by authorities or regulating bodies. It is a document stating that the issuing authority has no objections to the planned real estate transaction. It is crucial at the time of purchasing a new home in India along with other factors to consider when purchasing any property. It demonstrates that the property’s title is valid and clear, with no encumbrances. The NOC further indicates that the buyer of the property is not required to pay any fees. It is official documentation that must adhere to the local governing body’s norms and regulations. It is a vital document that must be obtained before any property sale.

What are some common types of NOCs

Different transactions required different types of NOC. Some NOCs are issued by the person and some are issued by the government authorities, court, etc. 

NOC for Property Transfer

A Property Transfer NOC is a crucial document issued by an official or governing body, such as a real estate authority or central bank, indicating no objection to a sale or transfer of property. This document is vital for buyers and sellers, ensuring legal compliance. It provides assurance, especially when dealing with intricate details like the Khatian number, which holds all types of property-related information.

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Court NOC 

A Court NOC is a document issued by a court confirming that all parties involved in a sale or transfer of property have been duly informed and agree to the terms of the deal. This is used in cases where the buyer or seller is not legally represented.

NOC for Visa (for employees)

A Visa NOC is a document that employers provide for their employees when they require a visa for a specific country or area. It states that the employers have no objection to the employee traveling to the country or area in question.

GST NOC

A GST NOC is issued by the Goods and Services Tax (GST) department in India. It is required when an organization or an individual wants to transfer business or sells a property.

Landlord’s NOC

A Landlord’s NOC is a document that outlines that the landlord has no objection to an individual or organization renting, leasing, or otherwise using their property. It must be obtained from the landlord before any agreement between the tenant and landlord is completed.

Banking NOC

Banking NOC is issued by a bank or other financial institution when a customer wants to transfer money to an overseas bank account. The NOC states that the bank has no objection to the transfer of funds.

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NOCs for Different Types of Property Transactions

Different types of houses required different documents as per their state role and regulation. But NOC is the comment document for all types of property transactions. As we discussed, there have many types of NOCs as per requirement. But only for the property transaction has different NOCs. It will be as follows: 

NOC from builder or society

A NOC from a builder or society is an important document that validates the ownership status of a property. It is issued by the builder or housing society of the property. It is essential for the ownership transfer of property and to avail bank loan against the property. The NOC for the property should include the name of the current owner, the address of the property, the details of the builder, and the date of its issuance. It should be signed by the builder or the society’s secretary. Without a NOC, the sale and transfer of property ownership will not be legally possible.

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NOC from the Mortgagee

A no objection certificate (NOC) from the mortgagee is a document issued by the bank or other financial lender that owns a mortgage on a property. It is a legal document from the lender informing the property owner or any other interested party, such as a government agency, that the lender has no objections to any proposed use of the mortgaged property. It is an important document if you are planning to do any development or make any changes to the mortgaged property. The NOC is necessary to ensure that the lender is not liable for any loss that may arise out of the changes you make. The NOC indicates that the lender has reviewed the proposed changes and holds no objections. Therefore, a NOC from the mortgagee is essential if you are planning to make changes on or around the mortgaged property.

NOC as per RERA

A No Objection Certificate (NOC), as per the Real Estate Regulatory Authority (RERA), is a document issued by a housing society to a property owner for construction or renovation purposes. It is generally used to prove that the construction complies with local building laws and regulations. The NOC for a property helps to ensure that the property owner has followed all the necessary legal procedures before commencing construction or making any changes to the building. This also helps to ensure that the construction or renovation does not adversely affect other people’s rights and interests. The NOC for a property is generally issued by the Registrar or Sub-Registrar of the area concerned. It is prudent to obtain the NOC before beginning any construction or alteration in a property.

NOC from Collector

The NOC from the collector refers to the Notice of Collection (NOC) which is a document issued by a collection agency to collect payment on an overdue or defaulted loan. It serves as proof of the debt and informs the borrower of the amount of the debt and the date of collection. It also includes details about the collection agency’s services, fees, and the debtor’s rights. The NOC is typically sent out after the borrower has failed to make payments on the loan. Borrowers need to respond to the NOC as quickly as possible and make payment arrangements. Otherwise, the collection agency can take legal action to collect the debt.

NOC of court by the administrator

An administrator’s NOC of the court is a crucial legal document that grants permission for the administrator to transact on behalf of a company/entity. It serves as an authorization ensuring the administrator’s legal ability to handle entity-related matters, including court procedures, document procurement, and financial transactions. Acquired from a court of law, this NOC is only granted to appointed individuals to manage entity affairs without legal consequences. Amidst complexities like Deemed Let Out Property, a NOC of the court plays a vital role in ensuring proper management of entity matters.

NOC for property lease

A No Objection Certificate is an important document required for a property lease. It is issued by the relevant authority to inform you that there are no legal or other issues with you taking the property on lease. It usually includes details of the land, proof of ownership, and other important information. Obtaining a NOC for a property lease is a mandatory requirement in many countries and is an important step in the leasing process. It helps ensure that the property is free of any encumbrances and that it is legally available for leasing. It is also important that the NOC is obtained from the relevant authority and meets all legal requirements. So, if you are considering taking a property on lease, make sure you obtain an NOC for a property lease.

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Documents required for a No Objection Certificate

• PAN Card
• The buyer’s and seller’s photo and proof of identity
• The buyer’s citizenship documents
• Buyer and seller’s affidavits
• Co-partner’s NOC in case of a flat
• Receipt of the latest revenue
• Consideration of flat value declaration
• Land patta
• The Pattadar should submit an affidavit on behalf of the POA holder
• Municipality/GMC/ GMDA/Town Committee receipt/ occupancy certificate for flats

No Object Certificate: Most Important Legal Document 

A NOC, or No Objection Certificate, is a document that proves that the owner of a property has no objections to a certain transaction taking place. As we discussed there are different types of NOCs, depending on the type of property transaction. The documents required for a NOC vary depending on the state or country where the property is located, as different states have different property transfer charges. Generally, a NOC is required when transferring property ownership, obtaining a loan against property, or leasing.