Ultimate Guide to Buying Your First Apartment in Dhaka

Introduction to the Dhaka Real Estate Market

Dhaka, the bustling capital of Bangladesh, is not only the heart of the country’s commerce but also a rapidly growing real estate hub. In 2025, buying an apartment in Dhaka is more than a lifestyle upgrade—it’s a strategic investment. With urban migration, improved infrastructure, and rising land prices, the demand for flats has surged, especially among first-time homebuyers.

As you step into the market, understanding the price dynamics is essential. Average apartment prices vary from BDT 8,000–15,000 per square foot depending on location and developer. Prime areas like Gulshan or Banani can even go up to BDT 25,000+ per square foot.

With ongoing mega projects such as Metro Rail and elevated expressways, the real estate outlook in Dhaka is highly promising. But before you dive in, let’s explore why you should consider buying a flat here in the first place.

---

Why Buy an Apartment in Dhaka?

Buying your first apartment in Dhaka is both a personal milestone and a smart move. Here’s why:

Economic and Career Growth

Dhaka offers a concentration of job opportunities, particularly in banking, tech, garment, and government sectors. As incomes rise, people are increasingly looking to invest in permanent housing rather than rent indefinitely.

Urban Lifestyle and Amenities

From shopping malls to healthcare, international schools to restaurants, Dhaka provides access to modern amenities within walking distance in many neighborhoods. Apartment complexes often include gymnasiums, rooftop gardens, security systems, and elevators, which add convenience and prestige.

Strong Investment Value

Real estate in Dhaka continues to appreciate over time. With increasing population density and limited land availability, owning an apartment becomes a high-value asset that can yield solid returns through resale or rental income.

---

Planning Your Apartment Purchase

Set a Realistic Budget

Before anything else, determine how much you can afford. Consider:

• Savings and fixed income

• Loan eligibility and down payment options

• Monthly maintenance and utility bills

A good rule of thumb is to ensure that your housing cost does not exceed 30% of your gross monthly income.

Define Your Needs

Ask yourself:

• Do I need a 2BHK or 3BHK?

• Do I want a car parking space?

• Which floor suits my lifestyle best?

These preferences will shape your search criteria and filter out unsuitable options early.

---

Popular Residential Areas in Dhaka

Choosing the right neighborhood is crucial for long-term comfort and resale value.

---

Next sections will include:

• Apartment types

• Legal checklist

• Financing options

• Developer selection

• Buyer safety tips

• FAQs and conclusion

Types of Apartments Available in Dhaka

When buying your first apartment in Dhaka, you’ll come across a range of options suited for different lifestyles and budgets.

Ready vs Under-Construction Flats

• Ready Apartments: Immediate move-in, clear documentation, but higher price.

• Under-Construction Units: Lower price, flexible payment plans, but requires trust in the developer and project timeline.

Apartment Sizes and Layouts

• Studio Flats: Ideal for singles or couples, minimalistic and cost-effective.

• 2BHK Apartments: Popular among small families; generally 800–1000 sq. ft.

• 3BHK and 4BHK Units: More spacious; suited for joint families or long-term investment.

• Luxury Apartments: Often include swimming pools, doormen, gyms, and smart home systems.

Your lifestyle and budget should guide your choice, but always prioritize a layout that offers functionality and comfort.

---

Legal Checklist Before Buying

Avoiding legal pitfalls is one of the most crucial steps in the buying journey. Here’s what you must verify:

1. Ownership and Title Deed

Ensure the seller has full ownership of the property. Ask for:

• Khatiyan (record of rights)

• Title deed

• Mutation document

2. Land Use and Approval

Check if:

• The land is residential (not commercial/agricultural)

• RAJUK approval for the building exists

• The plan complies with local zoning laws

3. Sale Agreement

Ensure the Bayna Nama (Sale Agreement) is signed in presence of a notary and clearly outlines:

• Total price

• Installment plan (if any)

• Timeline for possession

4. Registration Process

After full payment, complete:

• Deed registration with the sub-registry office

• Mutation and tax update at local land office

• Possession letter collection

Always consult a legal expert before finalizing any document.

---

Financing Your Apartment Purchase

For many first-time buyers, home loans make ownership possible.

Top Banks Offering Home Loans

• BRAC Bank

• Dutch-Bangla Bank

• City Bank

• Standard Chartered Bangladesh

Loan Details to Know

You’ll need:

• Proof of income

• Bank statements

• TIN and NID

• Property documents

Tip: Compare EMI rates and go for floating or fixed interest based on your income pattern.

---

Choosing a Reliable Real Estate Developer

Choosing the right builder is vital to avoid delays, fraud, or poor construction.

Signs of a Trustworthy Developer

• Member of REHAB (Real Estate & Housing Association of Bangladesh)

• Strong portfolio and on-time delivery history

• Transparency in legal documents and prices

• Positive customer reviews

Top Developers in Dhaka

• Krishibid Group Real Estate

• Sheltech Pvt Ltd.

• Navana Real Estate

• Shanta Holdings

• Rupayan Housing Estate

Visit ongoing sites, talk to existing clients, and never skip reading the fine print.

---

Visiting and Inspecting Apartments

This is where you turn plans into reality.

Inspection Checklist

• Structural quality: cracks, leaks, plaster

• Ventilation and natural light

• Soundproofing and safety features

• Working lifts, fire escapes, backup generators

Questions to Ask

• Are all approvals and RAJUK clearance available?

• Is the land registered and mutated in the builder’s name?

• When is handover guaranteed?

Visit the neighborhood at different times to assess noise, traffic, and general vibe.

---

Negotiating the Price and Making an Offer

Negotiation Tips

• Do market research: Know what other properties in the same area cost.

• Offer a lower but realistic price.

• Ask for freebies: Parking, kitchen cabinets, or AC fittings.

Hidden Costs to Watch

• Utility connections (electricity, gas, water)

• VAT and registration charges (usually 12%–14%)

• Legal and broker fees

• Service charges for society maintenance

---

Booking, Agreement, and Final Registration

Once you’re satisfied, proceed to the formal stages.

Steps to Follow

1. Booking: Pay token money and receive a booking receipt.

2. Sale Agreement: Clearly outlines payment terms, delivery schedule, and penalties.

3. Final Registration: Done with help from a sub-registrar; ownership legally transferred.

Always retain copies of all documents and payment proofs.

---

Handover and Moving In

At this exciting stage, ensure the handover is smooth and complete.

Handover Checklist

• Completion certificate

• Keys to all locks and common areas

• Utility meter readings and installations

• User manual for electrical and plumbing systems

Set up:

• Wi-Fi

• Security system (CCTV, grills, locks)

• Interior furnishing (modular kitchen, wardrobes)

---

Risks to Avoid When Buying Your First Flat

Avoid these common traps:

• Fraud Listings: Always verify developer’s credentials and check property physically.

• No Legal Approvals: Don’t skip checking land titles and RAJUK permits.

• Overpriced Flats: Don’t go by looks—compare prices per square foot in the same area.

• Skipping Lawyer Review: Always involve a legal advisor for paperwork.

---

Apartment Maintenance and Community Living in Dhaka

After purchase, monthly maintenance becomes a recurring part of life.

Common Facilities in Most Dhaka Apartments

• Generator backup

• Security guard

• Lift and parking

• Rooftop access

• Garbage disposal

Monthly Service Charges

Typically range between BDT 2,000 to 5,000 depending on apartment size and amenities.

Stay involved in your flat owners’ association to ensure transparency and smooth operations.

---

Resale Value and Long-Term Investment Potential

Your first apartment in Dhaka isn’t just a home—it’s an appreciating asset.

Factors Influencing Resale Value

• Proximity to schools, hospitals, and transit hubs

• Quality of construction

• Market demand in your area

• Future development prospects (e.g., Metro, expressway)

Investing early in developing zones (like Purbachal or Bashundhara Extension) can offer great long-term gains.

---

Conclusion: Making a Smart Apartment Purchase in Dhaka

Buying your first apartment in Dhaka is a life-changing decision. It requires a blend of financial planning, legal awareness, market understanding, and due diligence. From selecting the right area to finalizing paperwork, each step must be taken with clarity and caution.

With the right strategy and guidance, your dream home in Dhaka is not just achievable—it’s a gateway to future stability and prosperity.