What is a completion certificate?
A completion certificate implies that a building has been constructed as per the prescribed rules and the concerned authorities have made the project. When any construction of project origins, the builders obtain a no-objection certificate (NOC) from the authorities concerned for the supply of primary utilities like water and electricity.
When construction is nearing completion, the authorities inspect the site. If they satisfied, a completion certificate is issued, which will ensure supply of necessary utilities.
What is an occupancy certificate?
Occupancy certificate authorizes consumers to stay on the property. It is issued by the metropolitan authorities after all other relevant supporting documents, stating that requirements such as fire and elevator safety norms, building standards, drainage and so on, are in position.
Importance of completion certificate
- Completion certificate specified as a proof of the builder’s adherence to National Building code of India, 2005.
- This certificate is necessary for obtaining primary necessities like electricity, water, and others.
- It is after receiving a certificate, and the water rate gets converted to domestic from non – domestic one, in case of residential constructions.
- The building will be evaluated for property tax with effect from the date of completion of the construction.
- The completion certificate will facilitate payment of final installment of the housing loan to begin repayment of the same.
Importance of occupancy certificate
If a building does not have an occupancy certificate, it means that the building may not comply with the compulsory regulations and may not have been built according to the sanctioned plan. Such buildings are not supposed to be ready for inhabitation and can be recognized as an unauthorized structure that has to be demolished.
As per the Indian law, it is illegal to occupy a building with an OC due to the following reasons.
- The building may be technically unsafe for occupation because of quality of construction, electrical and fire safety, the safety of lift and stairs, etc.
- The building may not adhere to the approved design and may have unauthorized extensions, walls as well as floors.
- In case of any accident/mishap, occupants of the building cannot hold anyone liable, and they may not be eligible for any insurance claims.
- The connection for utilities such as electricity, water, and drainage can be stopped anytime, and the building may be demolished.
How to get completion certificate?
A completion certificate can be received from Chief zonal officer of the municipal corporation or development authority of your particular city. You and your architect need to submit proper completion certificate application along with following documents –
- Copy of approved building plan and permission letter
- Copy of lease deed or sale deed
- Receipt of water tax paid
- Receipt of property tax-funded up to date
- Receipt of electricity cable & road cutting charges paid
- Receipt of bore well permission fee paid if any
- Affidavit on Rs 10/- Non-judicial stamp paper to be attested by Notary Public or Metropolitan magistrate declaring ownership of the building, details of the engineer or architect engaged for construction and completion of construction as per bye-laws
- Other documents as demanded/ required by the concerned authorities
How to get occupancy certificate?
After the construction of a building is completed, the builder or the buyer has to submit an OC application form to the concerned municipal or local development authority. The application form for obtaining occupancy certificate should be submitted within 30 days of completing the construction.
Along with the application, the following documents should be submitted for processing the application:
- Commencement certificate
- Completion certificate
- Built plan along with elevation, site, and section plan
- No objection certificate from fire force
- Area calculation sheet of floor signed by an architect
- Tax assessment with tax paid receipt
- Photographs of the completed building
- Photographs of rainwater harvesting and solar panels
- Copy of the sanctioned plan
The authorities will then conduct a physical inspection of the construction and will evaluate if the building is created as per the approved plan and then, issue the certificate.
If there are deviations up to 5% from the approved plan, a fine will be levied based on the extent of the deviation. The occupancy certificate will be issued after the fee is paid.