OC vs CC: What They Are & Why They Matter in Home Buying

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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)?

  • Issued by the local municipal authority after construction is completed

  • Confirms the building follows approved plans, safety codes, and zoning laws

  • Includes details like project ID, structural safety, and utility compliance

  • Without a CC, the building is considered unauthorized, even if fully built

 What Is an Occupancy Certificate (OC)?

  • Issued after the CC, once the building is deemed fit for living

  • Confirms compliance with fire safety, sanitation, electricity, and water supply

  • Legally required before occupying or renting the property

  • Without an OC, the property is not legally habitable, and possession is risky

Why They Matter:

  • Legal Proof: Confirms the project is approved and safe

  • Loan & Resale Ready: Banks and buyers demand these for transactions

  • Avoids Penalties: Occupying without OC can lead to fines or eviction

  • Boosts Trust: Shows the builder followed all legal norms

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