To add some personal experience to this thread.
Although my experience was in Bulgaria, I (naively) completed without this habitation licsence in 2006 for a ski apartment in Bansko.
It is still not been granted! there is an owners forum and slowly by group force things are getting sorted.
But getting a developer who has already been paid for completed apartments to spend money in order to meet the requirements for a habitation liscence is proving impossible.
I would like to think that Calidona would not be put in the same bracket as this unproffessional developer though??
Not having the liscence means that we are on temporary electricity that has a low capacity and is been given as a gesture, not by responsibility, so if more than 4 owners turn up at the same time it trips off and stays off, the hot water is hardly ever on, the communal steam rooms / Sauna / swimming Pool cannot be used, etc, etc.
No one is paying the community fees as they are not liable until the habitation is granted, consequently the security guards have not been paid, no communal snagging has been completed, no receptionist (rarely turns up) no roads or paths are finished.
It's a catch 22 that is impossible to predict the outcome.
Therefore if you think that completing without a liscence is a good idea, it may not be.....
Feel free to PM me for any 'specific' details involving a Bulgarian developer......