Latest posts
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Recovery of Refund Dues as Arrears of Land Revenue
A refund order from the RERA Authority is only the middle of the story. If the builder does not pay, you need a way to make it pay. In Uttar Pradesh, the usual route is a recovery certificate (RC), which asks the district administration to recover the money as if it were unpaid land revenue.…
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Homebuyer Loan Interest and Refunds: Who Bears the Bank Pre-EMI Burden?
Many flats were sold with a promise that the builder would pay your home loan interest until possession. The bank paid the builder, the builder paid the bank, and you paid little or nothing. Then construction stalled, the builder stopped paying, and the bank turned to you. This article explains where you stand if you…
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Can the Builder Forfeit Your Booking Amount? What’s Legal
You paid a booking amount, changed your mind, and the builder says the money is forfeited. Is that allowed? The honest answer is “partly”. A builder can usually keep a reasonable part of the money if you cancel without a good reason. It cannot keep an unreasonable amount, and it cannot keep anything if the…
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Interest Rate on Refunds: MCLR + 2% Explained
When a builder must refund your money under the Real Estate (Regulation and Development) Act, 2016 (RERA), the interest rate often decides whether the refund is worth chasing. The phrase you will hear most is “SBI highest MCLR plus 2%”. That is the formula in the central rules and in several states. It is not…
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What to Do When Possession Is Offered Without an Occupancy Certificate
A builder sends a possession letter, asks for the final payment and gives you a date to collect keys. But there is no Occupancy Certificate (OC). Should you accept? In most cases, no, at least not without a written protest and a plan. This article explains the law and the practical steps. Short answer: The…
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Delay Compensation vs. Interest: How Regulators and Courts Treat Each
Homebuyers often say “I want interest and compensation for the delay” as if they were one thing. Under the Real Estate (Regulation and Development) Act, 2016 (RERA) they are different remedies, decided by different officers, on different tests. Understanding the split saves you from filing in the wrong place or claiming the same loss twice.…
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Did COVID-19 Extension Orders Change Possession Deadlines?
In 2020 and 2021, regulators across India extended project deadlines because of COVID-19. Builders often cite those orders when a flat is late. The honest answer is that the orders changed the project’s registered timeline, and whether they also moved your possession date depends on the facts and on who is deciding. Short answer: The…
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How Delay Interest Is Calculated Under Section 18 of RERA (With Worked Example)
How to calculate delayed possession interest under Section 18 of RERA: formula, the UP rate (SBI MCLR + 1%) versus the central rule (MCLR + 2%), a worked example and common mistakes.
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Documents Needed for a RERA Complaint
Documents needed for a RERA complaint: allotment letter, agreement, payment proof, loan papers, notices and more, with the UP-RERA upload list, file sizes and what to do if papers are missing.
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Do You Need a Lawyer for a RERA Complaint?
Do you need a lawyer for a RERA complaint? No. Section 56 lets you appear yourself or authorise a representative. When a lawyer helps, what UP-RERA allows, and the costs and trade-offs.