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Friday, December 18, 2015

What is the Occupancy Certificate?



It defines if the builder has built the building as per approved plans and has all the necessary approvals.

Occupancy certificate (OC) is the last and the most important document a developer is expected to obtain in the process of construction. This document certifies that developer has built the building as per the plan and has obtained all the other approvals that he is supposed to obtain in the due course of construction. This is like a degree that you get after successfully passing an examination. If the building does not have an occupancy certificate, you will find difficulty in financing such property, selling such a property. Also in case of an accident, you will find it difficult to get a remedy or to find a person responsible for that accident

If your building does not have an OC, you should file a case in consumer court against the builder and ask for specific performance. OC is given to the entire building structure and not to a particular flat. In the new regulations, the builders are expected to obtain OC within stipulated time line, failure to do this builder is liable to prosecution as well as penalties

Best Tax Saver Mutual Funds 2016 or Top ELSS Mutual Funds for 2016

1.ICICI Prudential Tax Plan

2.Reliance Tax Saver (ELSS) Fund

3.HDFC TaxSaver

4.DSP BlackRock Tax Saver Fund

5.Religare Tax Plan

6.Franklin India TaxShield

7.Canara Robeco Equity Tax Saver

8.IDFC Tax Advantage (ELSS) Fund

9.Axis Tax Saver Fund

10.BNP Paribas Long Term Equity Fund

You can invest Rs 1,50,000 and Save Tax under Section 80C by investing in Mutual Funds

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