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Legal Checklist Before Buying an Apartment in Dhaka 2026 — Title Deeds & Verification Guide
10-Point Legal Due Diligence Checklist for Dhaka Apartment Buyers
Purchasing an apartment is often a lifetime investment. Conducting rigorous legal scrutiny protects you against ownership disputes, unauthorized construction, and fraud. Here is the verified 10-point checklist used by senior real estate advocates in Bangladesh:
- 25-Year Chain of Title Deeds (বায়া দলিল): Inspect original title deeds tracing continuous, unencumbered ownership for at least 25 consecutive years.
- Four Generations of Land Survey Khatians (খতিয়ান): Verify CS (Cadastral Survey), SA (State Acquisition), RS (Revisional Survey), and latest City/BS (Bangladesh Survey) Khatians.
- Mutation Khatian & Dakhila (নামজারি ও খাজনা রশিদ): Ensure the land has been mutated in the landowner/developer's name with up-to-date Land Development Tax (খাজনা) paid to the Land Revenue Office.
- Non-Encumbrance Certificate (NEC / নির্দায়ী সনদ): Obtain a 12-to-25 year Non-Encumbrance Certificate from the Sub-Registry Office to confirm the property is free of mortgages or legal claims.
- RAJUK Plan Sanction Sheet (অনুমোদিত নকশা): Verify the authentic RAJUK approval seal, building height, floor count, and structural setbacks on the sanctioned plan sheet.
- Power of Attorney (আমমোক্তারনামা): If buying from a developer, check the registered Irrevocable General Power of Attorney registered under the 2012 Power of Attorney Act.
- Soil Test & Structural Vetting Report: Confirm that a certified geotech firm performed Standard Penetration Tests (SPT) and BUET-qualified engineers signed structural blueprints.
- Substation & Fire Safety Approval: Multi-storied buildings (G+6 or above) must have DESCO approved substation plans and Fire Service Civil Defense NOC.
- Allotment Letter & Detailed Payment Schedule: Obtain an official allotment letter on company letterhead specifying exact flat size, unit ID, floor level, parking spot, and handover date.
- Sub-Kabala Registration & Mutation: Ensure the developer guarantees direct Sub-Kabala deed execution followed by individual mutation in the buyer's name.
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