Is it fine to buy an apartment without completion certificate?

The completion certificate contains all the required details including the identification of the land, the location, the organization/builder, if the building has adhered to the building plan, and met all the standards of safety and regulation, distance from the road, distance from surrounding buildings, height and other criteria set by the municipal authorities.

In essence, the CC certifies that the building has not violated any rules and norms in that locality. According to The Apartment Ownership Acts in various states across the country, CC is a compulsory document for an owner or builder in order to avail water and electricity supply.

After the completion of a project, the local authority inspects and evaluates the premise against the approved building plan and awards the completion certificate, if all the rules are satisfied.

The builder can then apply to the BWSSB and BESCOM departments, along with a copy of the CC to get water, electricity connection and other basic amenities for the project.

What is the difference between Completion Certificate and Occupancy Certificate?

Completion certificate is issued by the local civic body authority stating the property has been built as per sanctioned plan and is completed.

The Builder has to get the Occupancy certificate from the Municipal Corporation. It is a legal permission to sale the flat after which customers can buy and occupy them for living. If they do not have an occupancy certificate then the building is illegal. The builder has to submit a No Objection Certificate and Lift Safety certificate to get the Occupancy certificate.