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NOC from housing society for a home loan or flat sale

Banks ask for the society's NOC before sanctioning a loan against a flat, and buyers ask for it before registration, because it confirms the seller is a member in good standing with no dues and no dispute over the flat. Cooperative societies issue it after a managing-committee resolution.

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Sample

To, The Branch Manager, HDFC Bank, Kadavanthra Branch, Kochi.

Subject: No Objection Certificate — Flat No. 5B, Lakeview Apartments Co-operative Housing Society Ltd.

This is to certify that Mr. Sunil Thomas is a member of Lakeview Apartments Co-operative Housing Society Ltd. (Regn. No. KL/EKM/1234/2015) and the owner of Flat No. 5B, admeasuring 1,250 sq. ft., in the society's building at Kakkanad, Kochi 682030.

All maintenance charges and other dues of the member are paid up to 31 October 2026. There is no dispute, litigation or lien pending in the society's records against the said flat.

The society has no objection to Mr. Sunil Thomas mortgaging the said flat to your bank for a housing loan, and will note the bank's charge in its records on receipt of the bank's letter.

This certificate is issued as per the resolution of the managing committee dated 25 October 2026.

Signed
P. K. Menon, Secretary · R. Nair, Chairman
Lakeview Apartments Co-operative Housing Society Ltd.

Names, numbers and dates above are examples. Replace them with yours.

What it must include

Society name, registration number and address
Member's name, flat number and area
Dues paid up to date; no dispute / lien
The specific purpose: mortgage to the named bank, or sale/transfer to the named buyer
Managing committee resolution date
Secretary's and chairman's signatures with society seal

Common mistakes

"No dues" without a date — banks ask up to which date.
Only the secretary signing when bye-laws require two office bearers.
Leaving out the registration number; banks match it with the share certificate.

Stamp paper, notary and signing

No stamp paper. On the society's letterhead with seal. Banks usually want it dated within 30 days. For a flat sale, most states' cooperative rules say the society cannot refuse an NOC if dues are clear; a transfer fee may apply.

Common questions

The society is refusing — what can I do?

If dues are clear, write a formal request citing the state cooperative societies act; in Maharashtra and Kerala the registrar can direct the society. Many banks also accept a self-undertaking plus share certificate if the society is slow.

Is this the same as a society NOC for renovation?

No. That is a separate letter permitting interior work; use the generator and change the purpose.

Apartment association (not a cooperative) — same letter?

Yes; replace registration number with the association's registration under the Societies Registration Act or the state apartment act.

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This page is a template and general guidance for a common situation, not legal advice. Rules differ by state and office; check with the office that asked for the document. Last reviewed October 2026.