Completion Certificate (CC) in Residential Building – All You Need to Know!

A completion certificate (CC) is a legal document given to a housing project once it is finished according to an approved building plan. The relevant authorities issue it after inspecting the site and reviewing all the paperwork. These certificates are essential because they assure potential buyers, tenants, lenders, and insurance companies that the building is safe meets the law and can be financed or insured.

A completion certificate, a legal document, is given to a housing project once it has been fully completed in accordance with an approved building plan, as per the Building Act of 2004. After the relevant authorities have visited the site and reviewed all the paperwork, they issue a completion certificate to any housing project that hasn’t broken any applicable building bylaws. Securing a CC for a housing project falls to the developer.

Completion certificates are typically needed before a building can be sold or rented because they reassure potential buyers or tenants that the home is safe to occupy and complies with the law. They might also be necessary for lenders or insurance companies to finance or insure the property.

What is a Completion Certificate (CC)?

CC stands for completion certificate and aims to provide all the information about a particular building, including its location, the land’s identification, information about the developer or owner, the building’s height, and the calibre of the materials used. It also indicates if the project has been built in compliance with the building plans and with the guidelines established by the local municipal authorities, including the separation from the road and the spacing between surrounding structures, among other things.

A completion certificate will contain a variety of information, including:

• Information about the land
• All aspects of the building plan
• details about the builder
• Building height that has been approved

The project’s location and how far it is from other neighbouring buildings

Purpose and Significance of CC:

The importance of a Completion Certificate (CC) for developers is mentioned below:

A completion certificate is essential for builders to certify their construction legally. This certificate makes the construction legal, which could lead to issues later. Here are some of the explanations on why a CC is crucial:

It includes all information pertaining to construction, such as the name of the developer, the location and owner of the site, the height of the project, and the calibre of the building materials.

It denotes that the building complies with all construction criteria, including building height, distance from the road, and distance from other structures.

The developer can only apply for an occupancy certificate after receiving a completion certificate.

This certificate is necessary to guarantee the availability of fundamental utilities like water, power, and drainage. The completion certificate must be received before the builder may give the buyer possession.

How to Obtain a Completion Certificate or CC?

A builder may apply for a project completion certificate after the conclusion of a project. The local municipal organisation, such as the Municipal Corporation or the local development authority, must receive an application from the developers. The authorities will issue a completion certificate once they’ve inspected the construction.

Each state has different requirements for submitting applications for completion certificates. Every state has its own unique set of laws. Here is a brief list of the paperwork that must be submitted:

• A filled-out application
• A licenced architect or engineer must vouch for the building’s completion.
• The building plan’s letter of approval (copy)
• Income from property taxes Certificate of structural safety or a letter from technical staff members who are concerned
• A letter of authorisation from the fire department is necessary, if applicable.
• If applicable, a letter of authorisation (NOC) is required to install a lift.
• NOC for the water supply and sewage systems
• A certificate of electricity supply
• An affidavit must accompany the application for a provisional completion certificate.
• Any other applicable document

The municipal authorities will schedule an inspection once a developer successfully submits the application form. A team of officials from the neighbourhood Municipal Corporation or local development authority will check the construction in accordance with the schedule. After confirming that the building has complied with all rules and regulations, the completion certificate will be granted in 3–4 weeks.

The inspection team may send a letter with directions for demolition if they find a serious violation of the rules. The team administers a suitable penalty for minor offences.

Difference Between OC and CC:

When purchasing a home in a new development, the Occupancy Certificate (OC) and the Completion Certificate (CC) are crucial documents. Even if the structure is only a few years old, there is no harm in looking for these. These certificates aid in ensuring that the project’s legal requirements are met and the property has undergone the necessary verification.

The CC is a legal document that certifies the project has been created in accordance with the approved sanctions, according to Section 2(q) of the Real Estate (Regulation and Development) Act 2016. On the other hand, OC is described in Section 2 (zf) as a legal document issued by the authority allowing occupation of the building.

Occupancy Certificate: 

An OC is a legal document that attests that a particular building has been built in accordance with the authorised designs and is currently prepared for occupancy. Only after a comprehensive assessment and after the authorities have determined that the building is suitable for possession is OC granted. Homebuyers should ideally only move into a building once they have gotten the OC because connections for public utilities like water and electricity may only be requested after acquiring the OC.

Completion Certificate: 

As soon as a building is finished and construction complies with specific building regulations, such as building height and distance from the road, CC is issued. The CC alone does not authorise the use of a building because an OC is required to apply for all essential public services.

Importance for Homebuyers:

A completion certificate is frequently thought to be exclusive to developers or builders. Whether the builder has a CC or not is another factor that home purchasers often overlook. However, buyers must also have a completion certificate for the following reasons:

• CC ensures that the buyer is not residing in an unlicensed building.
• To obtain an occupation certificate, one must first get a certificate of completion. It is against the law for someone to live in a building without a certificate of occupancy.
• A house’s completion certificate guarantees a consistent flow of water and electricity.
• Only after receiving a completion certificate is it allowed to claim the advantages of the property tax.
• CC is required for water rates to switch from non-domestic rates to domestic rates.
• A purchaser risks fines or possibly eviction from the property by the authorities without a completion certificate.
• Suppose someone wishes to sell the property in the future. With a completion certificate, finding a buyer will be easy.

Checking CC Online:

Through your state’s property/land record portal, you can look up a project’s or property’s OC online. Let’s look at how to locate a project’s OC in .

Go to the Bruhat Bengaluru Mahanagara Palike website.(https://site.bbmp.gov.in/buildingplanoccupancy.html)

Click on the option that reads ‘Click Here’ that is against the column Building Plan Approval.

Select ‘Click Here’ near ‘Occupancy Certificate Details’.

Choose your region.

Select year.

Next, learn about the list of addresses and other information.

Now, easily order your OC online.

What is a Provisional Completion Certificate?

As its name suggests, a provisional completion certificate is a temporary document. There are instances where a building is only partially finished, yet the builder still needs to provide the buyer tenancy. In such cases, the builder could request a provisional CC.

The builder must complete the project within the six-month validity period of this provisional completion certificate. Only after that may the builder apply for a full completion certificate.

Legal Consequences:

You may require professional supervision if you are a real estate developer or a lone homeowner unfamiliar with legal paperwork. Legal property documents frequently demand experienced hands to draft and carry out the entire documentation process.

A completion certificate is an important document that, if mishandled, could impact the future of your real estate property. A documentation attorney can facilitate the preparation and execution processes and aid in understanding the entire process. They can also protect your legal rights while taking care of the necessary legal requirements for the completion certificate.

A completion certificate serves as a sign that a structure is legitimate and constructed in accordance with building codes. It also guarantees that the building has all the necessities. Therefore, the buyer should insist upon receiving a completion certificate when purchasing a new home from any developer or owner.

A completion certificate is also required to get an occupancy certificate, which certifies the building’s living conditions. A completion certificate assures you are purchasing and residing in a secure home.

Read More: Importance of Occupancy Certificate and Completion Certificate

Conclusion:

The importance of obtaining an Occupancy Certificate in the real estate industry cannot be overstated. This certificate, commonly known as a completion certificate, is a crucial document that signifies a building project’s compliance with local construction regulations and safety standards. It serves as proof that authorised government agencies have thoroughly inspected the property and met all habitation requirements.

For buyers, especially those investing substantial amounts of money into real estate properties, obtaining an Occupancy Certificate assures the legitimacy and quality of their investment. Additionally, it ensures legal protection as it aids in resolving potential disputes or legal issues related to the property’s construction or zoning regulations.

Furthermore, banks and financial institutions often require this certificate before approving loans or mortgages for real estate purchases. In conclusion, an Occupancy Certificate holds immense value in the real estate sector because it protects buyers’ investments, facilitates legal processes, and ensures compliance with safety standards and regulations.

Read More: Occupancy Certificate (OC) in Real Estate: All You Need to Know

FAQs

1. What is the completion of CC?

The term CC stands for completion certificate. It seeks to give all the details about a specific structure, such as its location, the identity of the site, information about the developer or owner, the height of the building, and the quality of the materials used.

2. What is a CC in real estate terms?

CC means Completion Certificate in real estate terms. It shows whether the project has been constructed in accordance with the building plans and the standards specified by the local municipal authorities, including, among other things, the distance from the road and the spacing between neighbouring structures.

3. What are EC and CC in property?

A legal document that certifies a piece of property is unencumbered by debts or obligations is known as an encumbrance certificate (EC). A completion certificate (CC), a legal document, is issued when a building is finished per the building plan and other specifications.

4. What is the meaning of a completion certificate?

An official completion certificate issued by the relevant authorities certifies that a building or complex was built following the authorised plan and the established regulations of the local development authority.

5. What is a completion certification?

A completion certification is a mandatory legal document stating that a new building has been finished and erected in accordance with all Buildings Act 2004 safety standards and requirements.

6. What is a completion certificate in Bangalore?

After a building or housing project is finished, the local municipal authorities or the building authority issues a CC, aka Completion Certificate. It attests to the building's readiness for occupation and that construction was finished under approved building plans .