A Complete Guide to Home Buying in Bangladesh

Before You Start

Buying a home is one of the most significant financial decisions you will make. In Bangladesh's dynamic real estate market, preparation is the key to a successful purchase.

1. Assess Your Budget

Start with a clear understanding of your finances. Consider not just the apartment price but also:

• Registration and stamp duty (approximately 2–3% of property value)
• VAT and taxes (currently 4.5% for unfinished apartments)
• Bank loan processing fees (1–2% of loan amount)
• Interior finishing costs (BDT 1,500–3,000 per square foot depending on quality)

2. Choose the Right Location

Location determines not just your daily quality of life but also long-term property appreciation. Key factors:

Proximity to workplaces — Consider commute times during peak hours. Dhaka's traffic makes location a critical factor.

Future development plans — Check RAJUP's detailed area plan (DAP) for upcoming infrastructure projects that could affect the neighborhood.

Social infrastructure — Schools, hospitals, shopping centers, and parks within walking distance add significant value.

3. Verify Legal Compliance

Never skip due diligence. Ensure the project has:

• RAJUK approval for the building design
• Clear land title and owner history
• Environmental clearance certificate
• Fire safety approval from the relevant authority

4. Evaluate the Developer

Research the developer's track record thoroughly:

• Visit completed projects and talk to existing residents
• Check for timely handover history
• Verify financial stability and ongoing project status
• Look for industry certifications (REHAB membership, ISO standards)

5. Understand Payment Plans

Most developers offer structured payment plans tied to construction milestones:

• Booking money — 10–15% upfront
• Foundation complete — 15–20%
• Slab completion — percentage per floor
• Plaster and finishing — 15–20%
• Handover — final payment

Pro tip: Negotiate payment terms. Developers are often flexible, especially for early-stage bookings.

Final Steps

Once you have selected a property, engage a qualified lawyer to review the sale agreement and deed. Register the sale at the sub-registrar's office, pay applicable taxes, and obtain possession after verifying that all utility connections are active.

Browse our portfolio of premium properties or contact us for expert guidance.