How appraisers, banks and the Sub-Registry look at a property's value, and what affects the price.
5 Core Factors Determining Valuation in Bangladesh
Professional surveyors weigh structural, regulatory, and environmental metrics during an inspection.
Location, Frontage & Road Access
A property on a wide road, or a corner plot, is usually worth more than one on a narrow inner lane. The width of the road also affects what may legally be built.
RAJUK / CDA Plan Approval & Legal Clearances
Approved drawings, a valid occupancy certificate and clean mutation and porcha papers are expected. Gaps in these papers can stop a bank from approving a loan.
Developer Brand & Structural Construction Quality
A developer with a good record, sound structural work and well-kept lifts and fittings usually helps a flat keep its value.
Building Age & Depreciation Schedules
An older building is usually worth less than a newer one. As a building gets very old, more of the value rests on the land share than on the building itself.
Building Utilities & Amenities
Backup power, a working lift, fire safety, security and parking make a flat easier to sell and can raise what buyers will pay.
Determined periodically by the Registration Directorate & District Collectorates based on historical averages.
Can be used by the Sub-Registry as a reference when it assesses a deed.
Cannot be used as a realistic indicator of purchase price, especially in high-appreciation urban centers.
Commercial Standard
Fair Market Value (ন্যায্য বাজার মূল্য)
Reflects actual willing buyer - willing seller transactions based on real-time supply and demand.
Governs bank surveyor mortgage assessments, insurance appraisals, and secondary market resales.
Can be well above the official Mouza rate, especially in high-demand parts of Dhaka.
Step-by-Step Bank Surveyor Inspection Checklist
What accredited engineering surveyors verify when assessing a property for mortgage approval.
01
1. Title Deed & Cadastral Verification
Checking chain of title (বায়া দলিল), CS/SA/RS/City Survey Khatian, DCR, and mutation records against Sub-Registry records.
02
2. Physical Boundary & Demarcation
Measuring plot dimensions, road frontage, setbacks, and confirming alignment with official cadastral survey maps.
03
3. Structural Audit & Finish Quality
Inspecting concrete beams, column integrity, dampness or settlement cracks, elevator specifications, and utility connections.
04
4. RAJUK Approval Adherence
Checking whether the actual built layout matches the RAJUK approved plan without illegal cantilevers or unapproved floor extensions.
05
5. Local Market Inquiry
Consulting local deed writers (Mohorar) and verifying recent authenticated sales in the immediate vicinity.
Frequently Asked Questions
Essential answers regarding real estate valuation, bank mortgages, and Bangladesh property laws.
A bank values what it could recover if the borrower defaulted and it had to sell quickly. So a surveyor leaves out any hopeful premium and is cautious, and the bank's figure is often lower than the asking price.
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Official Legal & Financial Disclaimer
This guide is for general information only. A bank loan, a tax calculation or a registration needs a formal survey by a certified engineer and checks at the relevant Sub-Registry. HomeNet BD does not issue valuation certificates.