For many, owning a flat in Dhaka is a lifelong dream. However, many people face various problems when trying to fulfill this dream. If certain important aspects are not verified before purchasing a flat, it can lead to significant troubles in the future. Therefore, before making any decision to buy a flat, it is crucial to thoroughly examine the following matters.
Flat Documents and Legal Aspects
- Original Land Deeds: First, thoroughly verify the original land deeds, such as the Bayna Deed, CS, RS, SA, BRS Khatian, Mutation (Namjari), and Jomakhariz documents. Ensure there are no disputes regarding land ownership.
- Mutation (Namjari): Confirm that the land has been mutated (Namjari) in the owner’s name. This is crucial proof of ownership transfer.
- Land Tax and Holding Tax: Verify if the land’s up-to-date land tax and the flat’s holding tax have been paid. Find out who is responsible for paying any outstanding dues.
- Encumbrance Certificate: To determine if the property is mortgaged, you can obtain an Encumbrance Certificate. This is available from the Sub-Registrar’s office.
- Developer and Flat Agreement: Read the agreement with the developer thoroughly. Ensure that payment terms, finishing materials, handover date, flat size, and other conditions are detailed.
- Developer Company Registration: Verify if the developer company is a member of REHAB (Real Estate & Housing Association of Bangladesh). This will give you an idea about their reliability.
Location
- Communication System: Consider if public transport is easily accessible near the flat and how far it is from the main road.
- Emergency Services: Find out if there are hospitals, clinics, and fire service stations near the flat.
- Educational Institutions and Markets: Check the proximity and convenience of schools, colleges, universities, and daily necessities markets.
- Security: You can inquire about the overall security of the area from locals.
- Future Development Plans: If there are future development plans for the area, such as new roads, flyovers, or commercial zones, it will impact the flat’s value.
Building Quality and Facilities
- Construction Quality: You can consult an experienced engineer regarding the building’s structure, materials used, and overall construction quality. Earthquake resistance is a crucial factor.
- Flat Design and Space: Ensure the interior design of the flat, room sizes, ventilation, and adequate natural light and air entry.
- Other Amenities: Find out if amenities such as lifts, generators, parking facilities, intercom, fire extinguishing systems, rooftop facilities, and security systems are available, and if there are any additional charges for them.
- Service Charge: Clearly understand the monthly service charge and what it includes.
Developer Identity and Past Record
- Company Reputation: Visit the developer company’s previous projects and get feedback from their customers. Verify their work quality, timely handover, and after-sales service.
- Legal Complications: Investigate if there are any legal complications or lawsuits against the developer company.
Conclusion
Buying a flat in Dhaka is a long-term investment. Therefore, it is wise to thoroughly verify every step without rushing. The final decision to buy a flat should only be made after meticulously analyzing the above-mentioned factors. This helps you avoid legal and financial pitfalls later on and allows you to live peacefully in your dream flat.
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