When buying a home, two certificates are non-negotiable for legal safety and peace of mind: the Completion Certificate (CC) and the Occupancy Certificate (OC).
What Is a Completion Certificate (CC)?
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Issued by the local municipal authority after construction is completed
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Confirms the building follows approved plans, safety codes, and zoning laws
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Includes details like project ID, structural safety, and utility compliance
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Without a CC, the building is considered unauthorized, even if fully built
What Is an Occupancy Certificate (OC)?
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Issued after the CC, once the building is deemed fit for living
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Confirms compliance with fire safety, sanitation, electricity, and water supply
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Legally required before occupying or renting the property
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Without an OC, the property is not legally habitable, and possession is risky
Why They Matter:
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Legal Proof: Confirms the project is approved and safe
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Loan & Resale Ready: Banks and buyers demand these for transactions
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Avoids Penalties: Occupying without OC can lead to fines or eviction
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Boosts Trust: Shows the builder followed all legal norms
