I am buying a flat in Allahabad and the seller does not have a completion certificate, is it safe to proceed?

Detailed Legal Analysis

A completion certificate is a document issued by the local municipal authority certifying that the construction is complete as per the approved plan. In Allahabad, absence of a completion certificate indicates that the construction may not comply with building regulations.

The Allahabad High Court has held that a property without a completion certificate may be unauthorised and subject to demolition. Uttar Pradesh Rent Control Act 1972 may prescribe penalties for occupation without a completion certificate.

If you proceed with the purchase, you may face difficulties in obtaining loans and utility connections. You may also face legal action from the municipal authority for unauthorised occupation.

You should insist on the completion certificate before proceeding with the purchase. If the seller cannot produce it, you can negotiate a lower price or seek a declaration from the authority.