What is a CCMI (Contrat de Construction de Maison Individuelle) ?

The CCMI, for Individual house construction contract, is a contract intended to protect the future owner of the property built and to guarantee the professionalism of the chosen builder. Established according to the requests and the project of the client, it is signed before the start of the work. This document, which is highly regulated by law, lists the guarantees that protect the client, it sets a deadline for completion and a total construction cost, and it defines a payment schedule according to the stages carried out on the site. Discover the characteristics of the CCMI, its guarantees and the price list in this file.

What is a CCMI?

When considering building a new home, the acronym CCMI is unavoidable. This is a contract for the construction of an individual house. This specific contract is offered by the builder and subscribed to by the future owner, or contracting authority, in order to protect the latter through strict legislation. It offers a large number of essential guarantees to be sure of having a completed and quality construction at fair prices and respectful of the work and the materials used.

If the CCMI is offered by a builder of individual houses, it will not be valid if the project owner uses a contractor, an architect or if the land is sold by the builder directly. In the latter case, we speak of a VEFA contract, for Sale in the state of future completion.

The CCMI also requires the builder to deliver the house within a time and at a price previously agreed. The amount of construction cannot therefore move in one direction or the other with inflation. This is a significant security for the client who is guaranteed a new house at fair prices (at reasonable and limited margins) and fixed.

There are two types of CCMI: the CCMI with or without provision of plans

  • The CCMI with provision of plans : this model is the most reassuring, the most complete and the most often proposed. It is provided when the builder carries out all or part of the construction work by providing detailed plans.
  • The CCMI without supply of plans : this lighter model is offered by builders who only carry out structural work and waterproofing and airtightness. In this case, the future owner must sign a contract with all the other professionals who will work on the site for the future (electrician, plumber, tiler, etc.). Note that these latter contracts do not offer the same guarantees as the classic CCMI, particularly in terms of time and price!

What are the guarantees provided by the CCMI?

The CCMI is a very framed contract which provides a large number of guarantees intended to protect the future owner of the property from damage and poor workmanship.

Here are the guarantees that a CCMI includes:

  • The guarantee of perfect completion : this guarantee is useful, because it requires the builder to have all the defects observed following the construction of the new house repaired during the first year after the acceptance of the work.
  • The guarantee of proper functioning : the purpose of this insurance is to cover all defects noted on the construction equipment for a period of 2 years after the acceptance of the works. This concerns joinery, taps, etc.
  • The ten-year guarantee : very well known, the ten-year guarantee protects the owner from any damage or poor workmanship which may compromise the use of the dwelling or its solidity, and this within 10 years after the acceptance of the work.
  • Building damage insurance : Structural damage insurance is taken out by the owner, but very often offered by the builder. Mandatory, it is similar to the ten-year guarantee since it covers defects and poor workmanship which render the new house unsuitable for its use within 10 years after acceptance of the work. But its advantage lies in the fact that it ensures extremely rapid coverage of the costs relating to the repair work, even before the responsibilities are determined, in order to allow the occupant of the premises to live there decently. as quickly as possible.

The CCMI and the price grid

The CCMI is a contract established according to the request of the customer, future owner. The cost of the whole house is therefore calculated as accurately as possible beforehand and detailed in the contract in order to avoid any unpleasant surprises. Consequently, before signing the CCMI, the future owner knows in advance the amount he will have to pay for the construction of his house. Please note that any changes made will result in an amendment and a new calculation of the total price.

Having this total amount for the construction of the house, the CCMI provides a fundraising grid. This is the percentage of the total price that the future buyer will have to pay to the builder during certain predefined deadlines, which correspond to the different stages of construction. Here are the payments traditionally requested:

  • 15% when the site opens (or 5% when the CCMI is signed and 15% when the site opens).
  • 25% after completion of the foundations.
  • 40% after the erection of the walls.
  • 60% when the house is out of water.
  • 75% when the house is out of air.
  • 95% when carpentry, plumbing, heating and miscellaneous equipment work is carried out.
  • The remaining 5% is paid after acceptance of the site.

It should be noted that the client is not obliged to pay the remaining 5% during or immediately after the acceptance visit to the site if defects are observed. If the builder is obliged to hand over the keys, he must also carry out the necessary repairs. He legally has one year to do so. Keeping the remaining 5% is a good legal way to ensure that these repairs will be done in a timely manner.

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