Buying a new-build apartment in Dushanbe: terms, payment and handover
Editorial illustration: it does not confirm the appearance of a specific property or area.
Questions when choosing a new build: stage, included finishes, agreement, complete budget and handover. No universal lending rates or safety guarantees.
Substantively checked and updated on 16 October 2026.
Establish what property and condition are offered before choosing how to pay. A new-build classification alone does not establish completion, finished interiors or handover timing. Clarify each of these conditions separately.
Identify what you are buying
Keep the offer reference, area, layout, block and floor. Ask exactly what is sold and which agreement applies to your situation. Compare the actual particulars, project and seller’s offer. Checking the project and contracting parties is separate from assessing apartment photographs.
Agree finishes and readiness
Request a written list of included works and equipment. Ask about construction stage, access and the basis of the proposed handover date. Missing condition information does not establish that an apartment is ready to occupy. Involve an appropriate professional in inspection where needed; photographs are not a technical assessment.
Compare complete payment costs
Make separate calculations for your own funds, bank financing and proposed instalments. Include the initial amount, later payments, fees, extras and expenditure before moving in. Verify lending terms directly with the selected bank; this article supplies neither average rates nor an approval promise.
Review the agreement before paying
Compare parties, property, price, currency, timing, changes to terms and refunds. Confirm the applicable agreement form and payment process with the bank and relevant professional for your case. This article establishes no universal cash-payment ban or permission and does not promise that any payment tool eliminates every risk.
Prepare for handover and subsequent steps
Agree inspection, defect recording, keys and document handover in advance. Clarify responsibility for subsequent steps and necessary costs. Keep signed documents and payment evidence. Record differences from the promised condition and discuss them before finally agreeing handover.
Sources and next steps
Checking the developer and project · Document questions before buying