When you purchase a house, it is necessary to obtain crucial documents from your developer or builder. Of these documents, the building completion certificate, also known as a CC, is the most important document that homeowners must be able to have. Similar to its name, it signifies that the construction is finished and in good condition for occupancy. Here we will study the Building Completion Certificate – A Complete Guide.
A certificate of completion of the building isn’t necessary when registering the property; however, this doesn’t mean that it’s not necessary. Following the regulations, the building competition certificate validates the property. It is not permissible for anyone to live in a building until the developer is issued the appropriate occupancy certificates from the appropriate local civic or governmental bodies. Municipalities or corporations can require the owners of homes that are not legally occupied to remove their property or impose harsh penalties.
Additionally, this certificate is essential to getting a loan from a bank. Also, you will require the certificate of completion for your building in case you intend to sell the property.
If you want to know more about the importance and significance of the certification, its requirements to obtain it, and the necessary documents, keep reading. We’ve given all the essential information regarding how to obtain the certificate for building completion.
Building Completion Certificate Meaning
Building competition certificates are an official document that confirms real estate development. Authorities in charge issue the certificate when the building, whether commercial or residential, is completed and ready to be occupied. It guarantees that the building is constructed following the approved design and rules set by the local authority for development. The completion certificate is required for any builder or owner to confirm the legitimacy of the project. The homeowner must also have the certificate to be able to use utilities such as electricity and water from the company.
The building’s completion certificate contains the most important details, including the plan of construction, the dimensions, and the materials used. When you apply for the competition certificate, the local authorities must inspect the construction project before granting the certificate. The certificate proves that the builder constructed the building in compliance with general laws and ensures the property’s quality.
Provisional Completion Certificate
A provisional certificate of credit that is valid for a specific time. The provisional CC is valid for six months. This means that the construction must be completed at this time. The developer can issue the full completion certificate when six months have been completed.
The builder can issue a temporary completion certificate when the builder desires to transfer the title of the building to the owner of the property. It is issued if the building is partially completed.
Possession Or Occupancy Certificate
The developer or builder of the project is required to issue an occupancy certificate as well as the OC through the municipal authorities once they have received the certification. This certification confirms that the building is in compliance with construction regulations and provincial laws and is safe to live in.
The local municipal authority or the building proposal department issues an occupancy certificate, which states that they are not opposed to the use of the building and allow its use. The OC is issued when the building is complete and ready to be occupied. The property’s possession is legal only if the owner holds an occupancy permit.
Difference Between Completion Certificate And Occupancy Certificate
A completion certificate confirms that the structure was constructed following the approved design and layout of the building as well as the standards that are set by local authorities, which include the distance of the building from the highway and the height in addition to other requirements. This certificate is required to request essential services such as electricity or water supply.
On the other side, an occupancy certificate will be granted by the municipal authority. It confirms that the property has been constructed following the construction standards, is inspected by the fire department, and has all the required amenities. It is required for the owner to be able to live on the property. The owner needs this document before moving into a new house.
After completing an actual estate construction project and obtaining a building completion certificate, this is your first certification. It is merely a confirmation that the structure complied with the master construction plans. The occupancy certificate that follows this step, confirms that the structure meets the standards for habitation. The occupancy certificate is required to be able to take possession of the building only after you have received the completion certificate.
Importance Of Completion Certificate For Developers
Developers and builders legally require an approval certificate for their construction projects. The building cannot be regarded as a building without this certification, which could lead to issues later on. There are some factors that explain why a certificate is necessary:
It provides all relevant details about the construction, including the name of the developer, the description of the land and location, the height of the construction, and the grade of the building materials.
This certificate must be presented in order to obtain water and power service.
It is proof that the building is being built in accordance with the approved construction plans and rules, such as those governing the height of the building, its distance from the road, in addition to distances from any other structure.
The certificate is required for those who want to apply for and get the occupancy certification.
Importance Of Completion Certificate For Homebuyers
Builders, developers, and home buyers must have a completion certificate for their construction. Here are some of the reasons that home buyers need to be able to obtain a certificate.
A completion certificate is an initial step toward obtaining an occupation certificate. It is not legal to live in a place without an occupation certificate.
A completion certificate assures that the purchaser isn’t inside an illegal structure.
The building completion certificate ensures the continuity of electric and water supplies.
You are able to get tax benefits for your property only after you have a valid certificate.
Residential structures are required to change water tariffs for domestic and non-domestic customers.
Finding a buyer who has the completion certificate can be difficult if you want to sell the house.
The buyer will be required to pay fines without the certificate.
The authorities can order residents to leave the premises in the event that they don’t have a CC.
Details Present In Completion Certificate
A certificate of completion will include many details that include:
Information on the terrain
The information about the location
Information on the building plan
The name of the developer
Each and every aspect of the building process
The building height has been approved
The distance between the project and neighboring structures
Other information, like how far it is from the highway, is according to the regional building guidelines.
How To Get A Completion Certificate
When the construction is completed, the builder or developer can request a completion certificate for the same. The application should be submitted at the discretion of the municipality organization, for instance, the Municipal Corporation or local development authority. A certificate of completion can be issued only after the building has been assessed.
Documents Required To Get Completion Certificate
Fill in the form correctly
The documentation required to get an online completion certificate is different between states. There is a distinct set of regulations in every state. Below are a few of the most important documents needed to get a credit card:
Building completion certificate issued by an architect or engineer who is registered with the governing body.
A copy of the document of approval of the plan for the building
Certificates of structural security or letters from the concerned technical personnel
NOC for the wastewater system
NOC for a water supply plan
NoC is required for the installation of the lift (if it is applicable)
NoC received from the Fire Department (if appropriate)
Certificate of supply of electricity
Application for a temporary certificate of completion (if you are applying for a temporary CC)
Other declarations or documents (if relevant)
Time Required To Receive Completion Certificate
If you’ve successfully submitted your application, the local government entity will schedule an inspection. Based on the schedule, an inspection team comprised of representatives from your local municipal corporation or local development authority will look over the structure and then issue the CC. After the inspection has been completed and the inspectors find that the facility is compliant with all the regulations and rules, it will take about 3–4 weeks before the building certification of completion is issued.
When the inspection team discovers major rule violations, they may issue a notice with demolition instructions. The team could also impose penalties that are justifiable in cases of minor infractions. You can only get the completion certificate when the building is in compliance with the conditions mentioned above.
Wrapping Up Completion Certificate
When you purchase a home from a builder or developer, requesting the certification of completion of the building is vital. The government will determine the structure to be legitimate only if it is accompanied by a certificate of completion. It also ensures that the building is equipped with everything you need, including water and power supplies. The builder is not able to give you an occupancy certification without the CC. It is also necessary to have CC to be able to claim tax benefits on your home loan or to sell the property.
It is illegal to buy a house without a credit card, and local authorities may demand payment or order the seller to leave the property. Therefore, buying an unregistered property with no CC will not prove to be a smart decision.
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