See it can create issue in resale if the construction is not as per the plan approvals as structural changes are not allowed.

Though the changes in internal layout of permanent character also requires permission form the local authority , the violation of the same is not of very serious type.

Hence this irregularity is often ignored by the Municipality or no penal measures is taken.

So you can safely proceed to buy this property. 

Conversion is not as per sanctioned plans 

your plan is only for single bed room 

No, problems at the time of selling.

1. You can apply for plan approvals though decision shall be on the department to approve same or not.

2. The bank can reject same on this ground. 

Renovation of your flat without consent of your Housing Society or Apartment Owners Association is illegal. An Apartment Owners Association in any state may be registered under – the Societies Registration Act. Every society has its own set of bye-laws, formulated within the frame work of the Society Act, for the state concerned. All members of the association are bound by the bye-laws. No addition or alteration of existing flat in an apartment can be done without the consent of the Housing society or Apartment Owners Association.

This seems to be an illegal act, hence you may better take permission from the society for this or lok for ways to reshape it to original  construction by removing the alteration

Changing  the existing horizontal or vertical dimensions of the structure. is illegal.

Replacing or removing any structure of load bearing walls is also illegal.

Making any alterations or additions to your flat before getting consent from the society is also illegal.

• Do make application to the Secretary of the society, giving all the required particulars.

• Do get acknowledgement from the Secretary of the society on receipt of application.

• Do get communication from the Secretary of society in writing if your application has been accepted and get No Objection for this renovated work.

You may apply for regularisation of this deviated  work from the competent authority, but the chances are very less.

You can approach the authorities for regularisation of changes made in flat by paying the regularisation charges 

you should get bank loan 

1. Yes, you can apply for it but in mot of the cases people does not apply fr it.

2. They would ignore it. 

1. IF the basic Structural changes have not been made for converting into Bedrooms, THEN there is no permission required from the local civic body and neither any changes in the sanctioned plans are required, atleast legally.

2. The Loan shall be granted, more so since the above is not related to any illegality and also above does not reflect on your credit worthiness or your ability to repay. Hence you are advised to peacefully proceed into your new home.

The entire Apartment is covered under square feet scheme and you can change the internal living space as per your desire by approval from the resident welfare Association if any but you cannot change the external factor of your apartment that is prohibited by the Apartment Act you need to speak to your resident welfare association for the Builder in this regard to get the approval so that you can make the changes as required it should not disturb the structure of the building in anyway otherwise it may create legal as well as financial issue for yourself in case there is any compensation claim because of the change of the structure of the apartment

Yes it will create problems as the new owner may not be so flexible as to accept deviation from the plan.

Internal variation - no problem. But make sure OC is issued.

No addition or alteration of existing flat in an apartment can be done without the consent or approval from the local authority .

any alteration will require inspection and approval from your local authority team. So talk to them as soon as you can.

Once local authority regularised,  you can apply for loan.

1. If not in plan it's difficult. 

2. They may ignore