Top Things to Check Before Buying a Flat in Bangladesh | PropertySaleBD

Buying a flat is one of the biggest financial commitments in anyone’s life — and in Bangladesh, it’s essential to do it the right way. With so many new real estate projects emerging across Dhaka, Chattogram, and other cities, buyers must be careful and informed before making any decision.

To help you make a smart and secure investment, here are the top things to check before buying a flat in Bangladesh.

🏙️ 1. Verify the Developer’s Reputation

The first thing you should check is the reliability of the real estate developer. A reputed company ensures proper approval, quality construction, and timely handover.

✅ Check the following:

• Is the developer a member of REHAB (Real Estate & Housing Association of Bangladesh)?

• Do they have completed projects you can visit?

• Are there any customer complaints or delays reported online?

A trusted developer will always provide clear documentation and transparency about the project.

🧾 2. Verify All Legal Documents

Before signing any agreement or paying an advance, carefully review the property’s legal documents. This step protects you from fraud or disputes in the future.

✅ Important documents to check:

• Title Deed (ownership proof)

• Mutation Khatiyan (Namjari)

• Non-Encumbrance Certificate (NEC)

• RAJUK/Local Authority Approval

• Tax Receipts and Utility Approvals

💡 Tip: Hire a real estate lawyer to verify all papers before you make any payment.

📍 3. Location and Neighborhood

The location of your flat affects not just the price, but also your quality of life.

✅ Consider these factors:

• Distance from your workplace, school, hospital, and market

• Road access and traffic conditions

• Safety and cleanliness of the area

• Flood risk and drainage systems

Popular locations for flat buyers in Dhaka include Bashundhara R/A, Uttara, Mirpur, and Mohammadpur — offering a mix of convenience and affordability.

💰 4. Budget and Hidden Costs

Your flat price is just the beginning — several hidden costs are often overlooked.

✅ Check the following before finalizing:

• Registration & Stamp Duty (around 10–12%)

• VAT and utility connection charges

• Parking space cost

• Society maintenance and service charges

Always calculate the total cost of ownership to avoid future financial surprises.

🏗️ 5. Construction Quality and Materials

Many buyers ignore construction quality — but it’s crucial for safety and long-term durability.

✅ Inspect:

• Wall thickness and plaster finish

• Quality of doors, windows, and flooring

• Water pressure and drainage

• Earthquake-resistant design (RCC structure)

You can even bring a civil engineer or architect to inspect the flat before buying.

📜 6. Check Handover Date and Developer Commitment

If you’re buying an under-construction flat, make sure to review:

• Handover date clearly mentioned in agreement

• Compensation clause for delay

• Construction progress report

Avoid projects where the developer promises unrealistic delivery dates.

🏦 7. Loan & Financing Options

Most buyers prefer taking a home loan from banks or financial institutions. Check which banks are financing the project — it’s often a sign of developer credibility.

✅ Top Banks Offering Home Loans in Bangladesh:

• BRAC Bank

• City Bank

• Eastern Bank

• DBBL

• Prime Bank

Compare interest rates and repayment terms before applying.

🏢 8. Flat Layout and Utility Facilities

Your flat should not just be affordable — it should be comfortable and functional.

✅ Check:

• Proper ventilation and sunlight

• Lift, generator, and security system

• Fire safety equipment

• Water supply and gas line availability

Visit the flat during the day to see how much natural light it gets — a small detail that makes a big difference!

📝 9. Registration and Ownership Transfer

Once you’re fully satisfied, proceed to register the flat legally under your name. Ensure that:

• Sale deed is properly executed

• All government fees are paid

• Mutation is done after registration

Keep all receipts, agreements, and documents in a safe place.

💡 Final Thoughts

Buying a flat in Bangladesh requires patience, proper research, and legal awareness. Don’t rush your decision — take time to verify every detail. A little extra caution now can save you years of trouble later.

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