When you buy or build a home, you’re not just buying walls, roofs, and interiors. Legal documents also weigh safeguarding and authenticating your property. The CC (Completion Certificate) is one such key document. Whether you’re developing a new house or buying an apartment, a building completion certificate ensures that your property is legally suitable for living and free from any future legal issues.
We will talk about the significance of a completion certificate of Home, what it is, and why you, as a home buyer, work on receiving it as the end user of it.
What is a Completion Certificate or CC?
Certificate of Completion is a legal document issued by the Local Municipal Body certifying the completion of the building. It declares that a building has been constructed as per the sanctioned plan, rules, and regulations, is safe, and is fit for habitation.
Your home is not officially considered finished without that certification. This might be an issue you face when trying to sell, rent, or lease your property down the road, because obviously, you need to have electricity, water, and sewer connected.
Why is the Building Completion Certificate Important?
The following explains why the building completion certificate is vital:
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Proof of Legal Construction
An OC (Occupancy Certificate) is a guarantee that your home is built according to the sanctioned plans and safety norms. It is duly certified that no illegal changes or infraction have been perpetrated.
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Essential for Utility Services
You cannot obtain permanent electricity, water, and drainage connections without a completion certificate for your home. They need it to make sure that your property is safe for habitation.
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Smooth Property Transactions
If you ever want to sell your home or apartment, buyers and banks will demand the building completion certificate. Without it, banks might hesitate to issue home loans against the property.
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Avoids Legal Issues
A lack of a home completion certificate can also attract fines, penalties, and demolition notices from the municipal body. It protects you against them.
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Eligibility for Occupancy Certificate
After receiving the completion certificate (CC), one can then apply for an Occupancy Certificate (OC) to be able to occupy the property physically : no CC, no OC.
Difference Between Completion Certificate (CC) and Occupancy Certificate (OC)
These two documents are often confused by homeowners. Both are valuable in their own right, but they are doing different things:
- CC (Completion Certificate): Certifies completion of construction as per sanctioned plans.
- Occupancy Certificate (OC): This is the proof that it is safe to live in the building.
In brief, first comes the building completion certificate, only after that can receive an occupancy certificate.
How to Obtain a House Completion Certificate
These are the steps involved in obtaining a home completion certificate:
- Application Form: The builder/owner makes an application to the local authority.
- Verification: Officials will make calls to the site to check whether it matches the approved plan.
- Verification of Safety Standards: They generally check for fire safety, drainage, and structural safety.
- Certificate Issued: Once everything is in place, the authority issues the CC.
Risks of Buying a Property Without a Completion Certificate
It is risky to buy a house without a building completion certificate:
- You might be unable to get a bank loan.
- Services, such as electricity and water, may not be working.
- It can also lead to demolition of the premises for any such illegal activities.
- The property is a difficult one to sell without a house completion certificate.
Please make sure the home builder has obtained a completion certificate for the home before you purchase it.
Conclusion
A CC is more than just a formality – it is one of the most important documents for any homeowner. It protects you from legal battles, keeps you connected to the minimum requirements, and adds value to your property over time. Whether you are constructing a house or opting for an apartment, don’t forget that a building completion certificate is something you’ll need before buying a house.
At Srijan Realty, we realize the value of safe and lawful housing. We guarantee that every home we build is supplied with all the necessary documentation and a completion certificate for the house, ensuring our buyers have total peace of mind. Srijan Realty is a name that has become synonymous with the most contemporary homes featuring the best of design, aesthetics and construction. When you select us, you choose stability, a safe path, and a future without legal concerns.
Faqs –
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What is the difference between an Occupancy Certificate (OC) and a Completion Certificate (CC)?
A Completion Certification (CC) is a proof that the building construction is in line with the building permission given. Occupancy Certificate (OC) is a certification obtained after having received the CC and confirms that all the services in the building are operational and it has been connected to the respective utility services, such as water, electricity, etc. You’ll need either one if you want a fully legal and habitable home.
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How can I avail a home loan without a Completion Certificate (CC)?
No. Most banks and Financial Institutions cannot sanction a home loan for a project without a valid Completion Certificate (CC). The CC is mandatory for checking the legal status of the property as well as the quality of its construction.
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What can I do if my builder is not issuing the Completion Certificate (CC)?
First, write to your builder. If they still lag, you may complain to the real estate regulatory authority (RERA) of your state. RERA can force the builder to give such documents.
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Is there validity in the CC?
No, a CC issued is a one-time, irrevocable document. The permit, once granted, is good for the useful life of the structure. But any significant remodel or new build, of course, would need new approvals and a brand new CC.
