Essential documents required for buying a flat in Dhaka, Bangladesh

Why is checking documents important?

Checking documents is the most important step when buying a flat. Some sellers may hide problems or fake papers. If you don’t verify documents, you might buy a flat with legal issues. This could mean losing your money or fighting in court. Proper documents prove the flat is legal and the seller owns it.

Documents also protect your investment. They show the flat follows Dhaka’s building rules. For example, a completed apartment without RAJUK approval might not be safe or legal. Checking papers gives you peace of mind. It ensures your new home is yours forever. This guide will walk you through the key documents to check before signing any deal.

Types of properties in Dhaka

Before we list the documents, let’s understand the types of properties in Dhaka. There are two main types of properties. Knowing the difference helps you check the right papers.

Leasehold property

A leasehold property is leased from the government or a government agency. The land is not fully owned by the seller. Instead, it’s rented for a long time, like 99 years.

Freehold property

A freehold property is fully owned by the seller. The land and the flat belong to them completely. These flats need different documents to show private ownership.

List of essential documents to buy a flat in Dhaka

Here are the main documents you need to check when buying a flat in Dhaka. Each one plays a key role in proving the flat is legal and safe to buy. Always ask the seller for these papers and have a legal expert verify them.

• Land deeds: These are the most important documents. It shows who owns the land where the flat is built. The title deed proves the seller owns the land. Mother deed shows the history of ownership. The sale deed confirms the flat is yours after buying.
• Mutation: It is a record that shows the ownership change. After the seller transfers the flat to you, the mutation is updated. It’s filed with the local registry office. This document proves the flat is legally yours.
• City survey: The city survey is an official record from the Bangladesh government. It includes details about the property, like the Dag number and Porcha. These numbers identify the land’s location and size.
• RAJUK plan of approval: RAJUK (Rajdhani Unnayan Kartripakkha) is Dhaka’s building authority. Every flat building needs RAJUK approval before construction. This certificate shows that the building follows safety and city rules. Without it, the flat might be illegal or unsafe.
• Power of attorney (If applicable): Sometimes, the seller isn’t the direct owner. They might have a Power of Attorney (POA) to sell the flat for someone else. The POA document must be legal and clear. A lawyer should check the POA to ensure it’s valid and not fake.

Extra documents to check for leasehold & freehold properties

Buying a flat in Dhaka means checking extra documents for leasehold and freehold properties. Leasehold flats are leased from the government, so you need papers to prove the lease is valid. These papers ensure the flat is legal and safe to buy. Here are the key papers to check:

• Allotment letter: The allotment letter shows that the government gave the land to the seller. It includes details like the lease term and conditions. This letter proves the lease is official.
• Lease deed: The lease deed is the contract between the government and the seller. It lists the rules of the lease, like how long it lasts. Check this to ensure the lease is active.
• Final allotment letter: The final allotment letter is issued when the lease is fully approved. It confirms the seller’s right to use the land.
• Original ownership deed: The original ownership deed shows that the seller fully owns the land. It’s like the title deed but specific to freehold properties.
• Bia deed: The bia deed lists past ownership transfers. It shows how the land moved from one owner to another. This helps confirm that the seller’s claim is legal.
• Previous ownership deed: The previous ownership deed shows who owned the flat before the seller. It confirms the ownership chain is clear and legal.
• AC land mutation: The AC Land office also tracks ownership changes. Verify the mutation to ensure the flat’s records are correct.
• Occupancy certificate (Post-2008 Flats): For flats built after 2008, an occupancy certificate is needed. It shows the building is safe to live in.

Special Considerations for Non-Resident Bangladeshis (NRBs)

NRBs often buy flats in Dhaka as investments or homes. But being abroad makes it harder to check documents. Here’s how NRBs can stay safe:

• Hire a local lawyer: A trusted lawyer in Dhaka can verify documents and visit the flat. They’ll ensure everything is legal while you’re overseas.
• Use a reputable developer: Choose a known company like Homeland Abason Limited. They have a good track record and help NRBs with clear processes.
• Check documents online: Some records, like city surveys, are online. Ask your lawyer to access these. You can also verify RAJUK approvals through official websites.
• Plan a visit: If possible, visit Dhaka to see the flat and meet the seller or developer. This helps you feel confident about your purchase.

Get expert help for a flat purchase!

Buying a flat in Dhaka is a big step. Checking documents like land deeds, mutation, and RAJUK approval keeps you safe. These papers prove the flat is legal and protect your money. Always work with a legal expert to avoid tricks from dishonest sellers. Whether you’re a first-time buyer or a Non-Resident Bangladeshi, knowing these steps helps you own your dream home with confidence. Homeland Abason Limited will help you throughout the process.