The Definitive Guide to Buying an Apartment in Dhaka (2026 Edition)

Buying an apartment in Dhaka is often the single largest financial commitment an individual or family will make. With thousands of developments across Gulshan, Banani, Dhanmondi, and Uttara, separating solid investments from problematic projects requires disciplined due diligence. ### 1. Title Verification: CS, SA, RS, and City Jorip Before placing any booking deposit, demand the chain of title deeds (Baya Deed) spanning at least 25 to 30 years. Ensure there are no disputes between CS, SA, RS, and City Jorip (BS) records. A clean Non-Encumbrance Certificate (NEC) from the relevant Sub-Registry office is essential. ### 2. RAJUK Approval and Setback Rules Never rely merely on architectural 3D renders. Request the original RAJUK sanctioned building layout plan. Verify: - Number of approved floors vs. advertised floors - Mandatory setback boundaries on all four sides - Proper allocation of basement car parking spaces - Structural approval compliance with the Bangladesh National Building Code (BNBC) ### 3. Payment Schedules and Escrow Discipline Reputable developers tie milestone payments to actual physical progress: piling, basement slab, roof casting, and plastering. Avoid agreements with calendar-based payment schedules that demand money irrespective of construction delays. ### 4. Hidden Handover Costs Factor in an additional 8% to 12% above the unit cost for registration expenses, stamp duties, local government taxes, mutation fees, and utility security deposits (DESCO/DPDC, WASA, Titas Gas/LPG).