How to Buy an Apartment in Dhaka | Complete Step-by-Step Guide

Buying an apartment in Dhaka, the capital of Bangladesh, is one of the biggest financial decisions in life. With rising property prices and rapid urban development, choosing the right flat requires careful planning, verification, and financial management.

This detailed step-by-step guide will help you understand everything you need to know before buying an apartment in Dhaka — from location selection to legal documentation and final registration.

🏙️ Step 1: Choose the Right Location

Location is the most important factor when buying an apartment. Dhaka has many popular residential areas, but each has a different lifestyle and price range.

Top Residential Areas in Dhaka:

• Gulshan, Banani, and Baridhara – Premium areas with modern facilities

• Bashundhara R/A – Growing modern community with wide roads and security

• Mirpur and Mohammadpur – Affordable and developing zones

• Uttara – Ideal for families and professionals

✅ Tip: Consider location based on your workplace distance, schools, hospitals, and transport facilities.

💰 Step 2: Set Your Budget and Financing

Before searching for apartments, determine your budget range and financing options.

Calculate:

• Apartment price

• Registration fees and taxes (usually 10–12%)

• Utility connection cost

• Interior design or renovation expenses

If you need financing, many banks in Bangladesh offer home loans with easy EMI options.

Popular Banks Offering Home Loans:

• BRAC Bank

• City Bank

• DBBL

• Prime Bank

✅ Tip: Compare loan interest rates and processing fees before applying.

📜 Step 3: Verify Developer and Project Approval

Always buy from a reputed real estate developer or verified property owner. Many projects in Dhaka are not approved by RAJUK or local authorities — which can lead to legal issues.

Check these before paying any advance:

• RAJUK approval number

• Project land ownership documents

• Developer’s REHAB membership

• Utility approval (electricity, water, gas)

✅ Tip: Avoid properties that offer “unbelievably low” prices without valid documents.

🧾 Step 4: Check Legal Documents Carefully

Before finalizing the deal, review all documents with the help of a real estate lawyer.

Essential Documents to Verify:

• Title Deed (ownership proof)

• Mutation Khatiyan (latest land record)

• Non-Encumbrance Certificate (no legal dispute)

• Land Tax Receipts

• Developer Agreement (if under construction)

✅ Tip: Never pay the full amount before verifying the original title deed.

🏗️ Step 5: Inspect the Apartment Physically

Visit the property in person to evaluate the:

• Construction quality

• Ventilation and sunlight

• Lift and parking facilities

• Surrounding environment and road access

Take photos and note any issues before the final decision.

✅ Tip: Bring an architect or engineer to inspect if possible.

📝 Step 6: Negotiate and Finalize the Agreement

Once you are satisfied with the location, documents, and condition, negotiate the price with the seller or developer.

Then, sign a Sale Agreement (Baina Nama) with clear payment terms, handover date, and penalties for delay.

✅ Tip: Keep all payments documented via bank transfer or cheque for future reference.

🏢 Step 7: Register the Property

After full payment, complete the registration process at the local Sub-Registrar Office. You’ll need to pay:

• Stamp duty

• Registration fee

• VAT and other government charges

After registration, you’ll receive the Registered Sale Deed — your legal proof of ownership.

✅ Tip: Apply for mutation immediately after registration to update your name in land records.

🏡 Step 8: Move In and Update Utilities

Once registered, you can move into your new apartment. Don’t forget to:

• Transfer utility connections (electricity, gas, water)

• Update address for NID, bank, and other official purposes

• Apply for society membership (if applicable)

💡 Final Thoughts

Buying an apartment in Dhaka can be simple and secure if you follow the proper process. Always choose a verified property, check all documents, and consult professionals when needed.

To explore verified flats and apartments for sale in Dhaka, visit 👉 PropertySaleBD.com — Bangladesh’s trusted Free Property Platform for buying, selling, and renting properties online.