Legal Checklist for Buying an Apartment

Buying an apartment is a big investment. To protect your money and avoid future legal problems, you must check some important legal documents before making the purchase. This legal checklist will help you understand what to look for before buying an apartment in Bangladesh.

1. Verify the Developer’s Background

Before anything else, do some research on the real estate developer or company. Check:

• Their registration with the Rajdhani Unnayan Kartripakkha (RAJUK) or local authority

• Past projects and delivery history

• Online reviews and complaints

• Whether they are a member of REHAB (Real Estate and Housing Association of Bangladesh)

A trusted developer reduces the risk of fraud or delay.

2. Check the Land Ownership Documents

Ask for the Title Deed of the land where the apartment is built. Make sure:

• The land is in the developer’s or landowner’s name

• The title is clear (no ownership dispute)

• It is not mortgaged or under a legal case

You can verify these with the Sub-Registry Office and a legal expert.

3. Khatiyan (Record of Rights)

Request the Khatiyan or land record:

• Check if it is the latest RS (Revisional Survey) or CS/SA record

• Confirm the land size and ownership matches the Title Deed

This confirms the legal identity of the land.

4. Mutation & Tax Papers

Ensure the developer has:

• Mutation Certificate – proof that the land is updated in their name

• Updated Land Tax Receipt – paid regularly to the local government

Unpaid taxes or mutation issues can lead to legal trouble later.

5. Building Plan Approval

Ask for the RAJUK-approved Building Plan. It should:

• Match the construction on-site

• Have approval for the number of floors and design

Unauthorized buildings may be demolished or not get utility connections.

6. Deed of Agreement Between Landowner and Developer

In case of a land-sharing project, ask to see the Joint Venture Agreement between the landowner and developer. Make sure:

• It clearly shows the share ratio

• It is legally registered

• You know which portion of the project is sold by the developer

This prevents future disputes over ownership.

7. Sale Agreement & Allotment Letter

Before making any payment, check the:

• Booking or Allotment Letter: Includes apartment number, size, floor, and payment schedule

• Draft Sale Agreement: Should include terms of delivery, delay penalties, and refund clauses

Get everything in writing and signed.

8. Registration & Possession Documents

After full payment:

• Ensure the Sale Deed is registered in your name

• Get a Possession Letter after handover

• Apply for Utility Connections (electricity, water, gas) in your name

Without these, you won’t be the legal owner.

9. Check for Loans or Mortgages

If the developer has taken a bank loan on the land/project:

• Ask for a No Objection Certificate (NOC) from the bank

• Confirm that the apartment you are buying is not mortgaged

Otherwise, you may face legal complications.

10. Consult a Real Estate Lawyer

Always hire a property lawyer to:

• Verify all documents

• Check for hidden legal risks

• Guide you through the registration process

Legal support is essential for safe property buying.

Final Thoughts

Buying an apartment is not just about money — it’s about securing your future. Following this legal checklist will help you avoid fraud, delays, or legal cases. Take your time, ask for documents, and always verify everything with an expert before signing any deal.