I have a residential plot in surat and its termed as owners plot. I have agreement registered in smc

I have a residential plot in surat and its termed as owners plot. I have agreement registered in smc (surat minicipal corp) recently and paid stamp duty of 104000/- .Its a residential society with plot size of 89 vaar (1 vaar = 9 foot) and consists of raw houses and is developing quickly. Plot is owned by me but its termed as owner's plot where owner plot I think means plot of developer of the society...The society was developed by my cousin & my dad and many of our relatives had their names in 7/12 of land. Unfortunately my cousin is no more & this plot is being given to me by him.

When i asked the concerned person about selling it , i was being told that the plot is shown as owner's plot and not the normal plot in Society Plan which has been submitted to smc during plan pass and I myself can avail loan on the plot to construct but if I sell the plot to anyone then he would not be eligible to get loan from the bank. Now my question is when I have paid required stamp duty and have valid agreement (Dastavej) of the plot then why cant I sell it and seller can avail loan on it.

I request to kindly let me know weather this is real law that if during plan pass a plot shown as owner's plot is not eligible for loan if sold to anyone or am being misguided so that i may sell off my plot at discounted price.