What is a CCMI (Individual House Construction Contract)?

The CCMI, for Individual house construction contract, is a contract intended to protect the future owner of the built property and to guarantee the professionalism of the chosen builder. Established according to the client’s requests and project, it is signed before the start of work. This document, very framed by law, lists the guarantees that protect the client, it sets a completion deadline 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 house, the acronym CCMI is essential. This is a contract for the construction of a single-family house. This specific contract is proposed by the builder and subscribed by the future owner, or owner, in order to protect the latter thanks to strict legislation. It offers a large number of guarantees essential to be assured 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 single-family homes, it will not be valid if the client 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 frame and at a previously agreed price. The amount of construction cannot therefore change in either direction with inflation. This is a significant security for the owner who is guaranteed a new house at fair prices (with reasonable and limited margins) and fixed.

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

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

What are the guarantees provided by the CCMI?

The CCMI is a very structured contract which provides for 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 after the construction of the new house repaired during the first year after acceptance of the work.
  • The guarantee of proper functioning : the purpose of this insurance is to cover all the defects found on construction equipment for a period of 2 years after acceptance of the works. This concerns joinery, taps, etc.
  • The ten-year guarantee : well known, the ten-year guarantee protects the owner from any damage or poor workmanship that may compromise the use of the home or its solidity, within 10 years after receipt of the work.
  • Damage insurance : Structural damage insurance is taken out by the owner, but often offered by the builder. Mandatory, it is similar to the ten-year guarantee since it covers defects and poor workmanship which make the new house unfit for its use within 10 years after receipt of the work. But its advantage lies in the fact that it ensures extremely rapid coverage of the costs of repair work, even before 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 list

The CCMI is a contract established according to the request of the client, the future owner. The cost of the entire house is therefore calculated as accurately as possible in advance 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 modification made will result in an amendment and a new calculation of the total price.

With this total amount available for the construction of the house, the CCMI provides for 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 the carpentry, plumbing, heating and miscellaneous equipment work is done.
  • 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 site acceptance visit if any defects are noted. If the builder is obliged to give him the keys, he must also carry out the necessary repairs. He legally has a period of one year to do this. Keeping the remaining 5% is a good legal way to ensure that these repairs are completed within a reasonable period of time.