Buying a land in Ghana is the goal of almost every Ghanaian; it feels good to have at least one land in their name. Having a land adds to the prestige of an individual. Finding a good land to buy in Ghana is quite tricky and risky, especially when you do not know the know how about acquiring them. It is even riskier when the acquisition of lands and landed property in Ghana is not strictly regulated.
This means that without knowing the processes, you can easily buy a land with lots of litigation, or worse, end up in the hands of fraudsters. Unfortunately, many Ghanaians are not aware of these processes and end up with legal problems that drain their money, or they end up as victims of fraud.
How then do you buy a land without encountering problems or losing your money? Below are six tips that will help you as you get ready to buy a land:
- Before you buy a land, make sure that you see it with your eyes before you make any payment whatsoever. You must verify its location, as well as its owners, boundaries and landmarks. Also you must keep the direction of the land in your mind, and also check for the land’s gradient and topography. The aim of seeing the land is to get familiar with it, but you will also get to interact with the owners of the land. This gives you the opportunity to observe the owners’ attitudes with which you can deduce their genuineness. You will also get familiar with neighbours from which you can obtain more information about the land and its owners.
- You have to conduct a search before you buy a land. You must be sure if the land has been registered or not. You can conduct the search at the Lands Commission in order to determine the size, topography, and other details of the land.
- Obtain a cadastral plan of the land before you make any payment. A cadastral plan, also known as a site plan, is a document that shows the dimensions and location of the land. The owner of the land must give you the cadastral plan of the house before you release any money to them.
- Get your own surveyor to crosscheck the land against the cadastral plan given to you by the owner. Your surveyor will determine if the size and boundaries stated in the plan tarries with what is on the land. This is an important step to take before you buy a land, as you would not want to be cheated.
- Before you buy a land, make sure that the purchase and transfer agreement is ready. The purchase and transfer agreement states how the payment of the land will be; either outright payment or instalment payment. Get a lawyer to draft it for you. Before you make payment, make sure that the agreement is signed by you, the owner and witnesses of both parties.
- After you have signed the purchase and transfer agreement, and have made payments, register your land at the Lands Commission. Bring your receipts, signed agreements and cadastral plan along with you when registering the land. You must then apply for the transfer and registration of the land. After going through the process, the Lands Commission will provide you with a title certificate.