Frequently Asked Questions

Question about Real Estate

Real estate, in the context of Pakistan, refers to property, land and any improvements or structures on that land. This includes residential, commercial and industrial buildings. Real estate is an important part of Pakistan's economy and plays an important role in providing the growing population with housing, business opportunities and infrastructure.

Real estate in Pakistan can be divided into different categories:

  1. Real Estate Residential: This includes houses, apartments, rooms and residential land used for residential purposes.
  2. Real Estate Commercial: Real estate is a great place for business and income generation. This category includes shops, offices, commercial spaces and warehouses. 
  3. Industrial facilities: Properties used for manufacturing, warehousing and manufacturing facilities fall under this category. 
  4. Agricultural Real Estate: Land used for agriculture, farms and related things.
  5. Development Projects: This group includes ongoing and upcoming building projects, such as housing, community, and infrastructure development projects. 

In Pakistan, the real estate market is affected by various factors including economic conditions, government policies, population growth and urbanization. Changes in supply and demand can cause home prices to fluctuate over time. Investing in real estate can provide potential benefits, such as capital gains, capital appreciation and portfolio diversification. However, like any investment, it also involves some risk and requires careful consideration. For those who want to buy, sell or invest in real estate in Pakistan, it is important to seek help from reputable real estate agents or contact experts in the field. Understanding local laws and regulations regarding real estate transactions is important to ensure a smooth and legal process.

Investing in real estate in Pakistan can offer many benefits and fantastic benefits, making it an attractive option for many people. Here are some reasons why you should consider investing in real estate in Pakistan:

  1. Income Stream: Real estate can generate passive income through rental payments. Residential and commercial properties in these sought-after areas can provide regular rental income, providing a stable source of income.
  2. Property Tax: Over time, the value of real estate in Pakistan appreciates. As demand increases and the economy expands, home prices can rise, allowing investors to build equity and potentially make a profit on resale.
  3. Inflation: Real estate is often thought of as an inflation camp. As overall prices increase over time, the value of real estate can also increase, helping to preserve purchasing power. 
  4. Diversification: Investing in real estate helps diversify your investment portfolio. It is an asset class with a different risk and return profile than traditional investments such as stocks and bonds, which can help reduce overall investment risk.
  5. Tax Benefits: Pakistan's tax laws provide certain benefits to property investors. Expenses related to property management, maintenance and interest can be deducted, which can reduce your tax bill.
  6. Tangible things: Real estate investments provide tangible things that you can see and touch. Unlike other investments, you can control your real estate and can improve its value.
  7. Opportunity: Real estate investment often offers an investment opportunity, as you can finance a large part of the purchase price of the property through rent or loans. This can increase the potential return on your initial investment.
  8. Portfolio Diversification: Adding real estate to your investment can improve its volatility, thereby reducing overall risk. Real estate tends to have a low correlation with other asset classes, such as stocks and bonds, which means it can behave differently depending on market conditions.
  9. Housing Demand: Pakistan's population continues to grow, resulting in an increase in demand for housing and commercial space. As the development of the city continues, good real estate in good areas can be sought.
  10. Retirement Planning: Real estate can be a valuable part of retirement planning. Having passive income can add to your retirement savings and provide a financial buffer for your later years.

However, it is important to approach real estate investing with caution and due diligence. Do thorough research on the property, location and market conditions to make the right decision. Additionally, seeking advice from experienced real estate professionals or financial advisors can help you navigate the complexities of the market and make wise investment choices.

 

Preference for a real estate company in Pakistan can vary based on individual needs, preferences and investment goals. However, two of the most preferred and respected housing corporations in Pakistan are Defence Housing Authority (DHA) and Bahria Town. here is a list of the top 10 housing authorities.

  1. Defence Housing Authority (DHA) - located in several cities including Lahore, Multan, Bahawalpur, Quetta, Karachi, Islamabad, Rawalpindi and others.
  2. Bahria Town - Located in several cities including Lahore, Karachi, Islamabad, Rawalpindi and others.
  3. Capital Development Authority (CDA) - responsible for housing and development in Islamabad.
  4. Lahore Development Authority (LDA) - responsible for housing and development in Lahore.
  5. Karachi Development Authority (KDA) - responsible for housing and development in Karachi.
  6. Rawalpindi Development Authority (RDA) - responsible for housing and development in Rawalpindi.
  7. Islamabad Cooperative Housing Society (ICHS) - Located in Islamabad.
  8. Gwadar Development Authority (GDA) - responsible for housing and development in Gwadar.
  9. Punjab Small Industries Corporation (PSIC) Housing Scheme - Located in Lahore.
  10. Pakistan Employees Cooperative Housing Society (PECHS): Based in Islamabad.

Please note that this classification may be subject to change and new housing authorities may have emerged since my last update. Additionally, some of the names listed here may be private real estate companies rather than official government real estate authorities. It is important to research and verify the status, reputation and legality of any real estate authority or company before making any investment decisions.

Question about selling

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Question about renting

Yes, it is possible for a home to depreciate in value. Various factors can contribute to a decrease in a home’s value over time. Economic conditions, changes in the neighborhood, lack of maintenance, or outdated features can all impact the market value of a property. It’s important for homeowners to stay informed about the local real estate market and make necessary updates and repairs to preserve and potentially increase the value of their home.

The value of a home, whether older or new, depends on several factors. Older homes can offer unique architectural features, established neighborhoods, and potentially more space for the price compared to newer homes. However, newer homes often come with modern amenities, energy-efficient features, and the advantage of being built with newer construction standards. Ultimately, the value of a home is subjective and varies based on personal preferences, location, condition, and market demand.

A broker is a professional who acts as an intermediary between buyers and sellers in real estate transactions. They facilitate the buying and selling process by connecting buyers with suitable properties and negotiating on behalf of their clients. Brokers may also provide services such as property valuation, market analysis, and assistance with paperwork and legalities involved in real estate transactions. They play a crucial role in helping individuals and businesses navigate the complexities of the real estate market.

In Pakistan, individuals and businesses are generally required to pay their own taxes. The tax system in Pakistan involves filing income tax returns and paying the applicable taxes based on the income earned and other factors. It is advisable to consult a tax professional or refer to the guidelines provided by the Federal Board of Revenue (FBR) in Pakistan to understand the specific tax obligations, deadlines, and procedures for paying taxes in the country.

DHA Lahore

The office hours of DHA Lahore are as follows:

  • Public Hours: Monday to Friday, from 9:30 a.m. to 4:30 p.m.

  • Lunch Hour: Monday to Thursday, from 1:00 p.m. to 2:00 p.m., and on Friday, from 12:30 p.m. to 2:00 p.m.

Please note that these hours may be subject to change, so it’s always a good idea to check the official DHA Lahore website or contact their office directly for the most up-to-date information.

DHA Lahore provides a range of preferential services to senior citizens. These services include:

  1. Multipurpose Senior Citizen Card: DHA has introduced a multipurpose Senior Citizen Card that grants access to DHA parks, the library, parking areas in mosques, commercial areas, and clubs.

  2. DHA Club Benefits: Senior citizens can enjoy various benefits at the DHA Club. These include a 50% rebate on membership fees, monthly subscriptions, sports facilities, and designated spaces in car parks.

  3. DHA Medical Centre Discounts: The DHA Medical Centre offers special discounted rates for outdoor and indoor treatment, as well as complete medical checkups for senior citizens. Additionally, a 10% discount is provided at CSH Pharmacy on every visit.

These services are specifically designed to cater to the needs and well-being of senior citizens within the DHA Lahore community. For more detailed information or specific inquiries, it is advisable to reach out to the relevant DHA Lahore authorities directly.

To obtain a DHA Senior Citizen Card, please follow these steps:

  1. Access the Form: The application form for the Senior Citizen Card is available both online and at the DHA office. You can either download the form from the official DHA website or obtain a physical copy from the office.

  2. Complete the Form: Fill out the application form with the required information. Make sure to provide accurate details as requested.

  3. Gather Required Documents: Collect the necessary documents as specified in the application form. These documents may include proof of age, identification, and any other supporting documents mentioned in the form.

  4. Submit the Application: Submit the completed application form along with the required documents to the designated DHA office. You can inquire about the specific submission location at the Facilitation Desk in the DHA Society office.

For more detailed information and any specific queries regarding the application process, it is recommended to visit the Facilitation Desk at the DHA Society office. The staff there will assist you with any additional requirements or guidance you may need to obtain the DHA Senior Citizen Card.

To lodge a maintenance complaint with DHA Lahore, please follow these steps:

  1. Identify the Phase and Sector: Determine the specific phase and sector in which your maintenance issue is located. This will help you direct your complaint to the appropriate complaint cell.

  2. Contact the Relevant Complaint Cell: Use the provided contact numbers to get in touch with the complaint cell corresponding to your phase and sector. Here are the contact numbers for each phase:

    • For Phases I to IV (Overhead Water Tank Sector – A Phases I): Contact no. 042-35734311.
    • For Phase V (Overhead Water Tank Sector – K Phase V): Contact no. 042-37176043.
    • For Phase VI (Overhead Water Tank Sector – B Phase VI): Contact no. 042-37016922.
    • For Phase VIII (Overhead Water Tank Sector – A Phase VIII): Contact no. 042-36173627.
  3. Inform the Complaint Cell: Once connected with the relevant complaint cell, provide them with a detailed description of your maintenance complaint. Be sure to explain the issue clearly and provide any relevant information or supporting evidence.

  4. Follow Up: Take note of any reference number or other information provided by the complaint cell. If necessary, inquire about the expected timeline for resolution or any additional steps you may need to take.

It’s important to contact the appropriate complaint cell based on the phase and sector where the issue exists. This will help ensure that your complaint is addressed promptly and efficiently.

To obtain approval for the construction of a house or building, please follow these steps:

  1. Prepare Site Plan: As a resident or owner, you need to prepare a site plan for the proposed construction. The site plan should include the layout of the plot, dimensions, and any other relevant details.

  2. Submit Drawings for Approval: Prepare architectural drawings, structural drawings, and other required documents as per the guidelines and regulations of the local authorities. Submit these drawings to the relevant department or authority for approval. They will review the plans to ensure compliance with building codes, zoning regulations, and safety standards.

  3. Obtain Demarcation: Once your drawings are approved, you may be required to obtain demarcation of the construction area. This process involves physically marking the boundaries of the proposed construction on-site. Contact the appropriate authority or department to initiate the demarcation process.

It’s important to note that the specific procedures and requirements may vary depending on the local regulations and governing authorities in your area. Therefore, it is advisable to visit the Building Control Procedure or contact the relevant department to get detailed information about the specific approval process and any additional requirements.

By following the proper procedures and obtaining the necessary approvals, you can ensure that your construction project complies with the regulations and standards set by the authorities.

To apply for a duplicate transfer/allotment letter, please follow these steps:

  1. Prepare a Covering Letter: Write a covering letter addressed to the relevant authority, requesting the issuance of a duplicate transfer/allotment letter. Include your contact information and any relevant details regarding the original letter.

  2. Prepare an Affidavit: Prepare an affidavit stating the loss of the original transfer/allotment letter. The affidavit should be duly attested by an Oath Commissioner.

  3. Provide Copy of National Identity Card: Include a copy of your Computerized National Identity Card (CNIC). The copy should be duly attested by an Army/Civil Gazetted officer or a Regular Member.

  4. Submit an I.R regarding Loss: Include an I.R. (Incident Report) specifically stating the loss of the allotment/transfer letter.

  5. Publish an Advertisement: Place an advertisement in two newspapers, one in Urdu and one in English, informing about the loss of the allotment/transfer letter. The advertisement should include relevant details and contact information.

  6. Pay the Challan: Obtain a paid challan for the duplicate transfer/allotment letter. The challan amount is Rs. 10,500/-.

  7. Provide Recent Attested Photographs: Include two recent photographs of yourself, duly attested.

  8. Complete the Associate Membership Form: Obtain the Associate Membership Form, available at the Finance window-5A in the DHA Office, for a fee of Rs. 350/-. Fill out the form as required.

Once you have gathered all the necessary documents, submit them to the designated authority. The processing time for issuing the duplicate transfer/allotment letter is typically around 30 working days. However, it’s always recommended to confirm the exact timeline with the relevant authority.

Please note that the specific requirements and procedures may vary, so it’s advisable to contact the concerned department or refer to the official guidelines for accurate and up-to-date information on applying for a duplicate transfer/allotment letter in DHA Lahore.

To apply for a duplicate site plan certificate, please follow these steps:

  1. Prepare an Application: Write a signed application addressed to the Director of Building Control, requesting the issuance of a duplicate site plan certificate. Include your contact information and any relevant details regarding the site plan.

  2. Provide a Photocopy of CNIC: Include a photocopy of your Computerized National Identity Card (CNIC).

  3. Submit the Paid Voucher: Attach a photocopy of the paid voucher for the duplicate site plan charges. The charges for the duplicate site plan certificate are Rs. 650/-.

Once you have gathered the required documents, submit them to the designated authority. The processing time for issuing the duplicate site plan certificate is typically around 12 working days. However, it’s advisable to confirm the exact timeline with the relevant authority.

Please note that the specific requirements and procedures may vary, so it’s recommended to contact the concerned department or refer to the official guidelines for accurate and up-to-date information on applying for a duplicate site plan certificate in DHA Lahore.

To apply for a duplicate completion certificate, please follow these steps:

  1. Prepare an Application: Write a signed application addressed to the Director of Building Control, requesting the issuance of a duplicate completion certificate. In the application, clearly state the reason for requesting the duplicate certificate. Include your contact information and any relevant details regarding the original completion certificate.

  2. Provide a Photocopy of CNIC: Include a photocopy of your Computerized National Identity Card (CNIC).

  3. Submit the Paid Voucher: Attach a photocopy of the paid voucher for the duplicate completion certificate. The charges for the duplicate certificate are Rs. 650/-.

Once you have gathered the required documents, submit them to the designated authority. The processing time for issuing the duplicate completion certificate is typically around 12 working days. However, it’s advisable to confirm the exact timeline with the relevant authority.

Please note that the specific requirements and procedures may vary, so it’s recommended to contact the concerned department or refer to the official guidelines for accurate and up-to-date information on applying for a duplicate completion certificate in DHA Lahore.

 
 

To register as an architect, please follow these steps:

  1. Prepare Required Documents: Gather the necessary documents for registration. These documents may include:

    • Copy of Bachelor of Architecture Degree.
    • Registration with the Pakistan Council of Arts & Town Planners.
    • Copy of Card Issued by the Pakistan Council of Arts & Town Planners.
    • Computerized National Identity Card (CNIC) of the Chief Executive Officer/Principal Architect.
    • List of Architect team members with their individual bio-data.
    • Registration with other relevant departments/authorities.
    • Company Profile.
    • Specimen signatures on letterhead paper with stamp.
    • Pay order or Bank Draft of Rs. 5,000 (Rupees five thousand only) payable to DHA Lahore as the processing fee.
    • Certificate of M.Sc. Structural Engineer.
    • National Tax Number (NTN) certificate.
  2. Visit the Customer Care Centre: Take all the required documents and visit the Customer Care Centre at DHA Lahore.

  3. Submit Documents for Approval: Submit the complete set of required documents along with the architect’s profile at the Customer Care Centre. The staff will review and process your application for approval.

  4. Attestation of Documents: Ensure that all the documents are attested for endorsement before submission.

Once the documents are submitted and reviewed, the registration process will proceed. Please note that additional steps or requirements may be specified by the DHA Lahore authorities, so it’s recommended to contact the Customer Care Centre or refer to the official guidelines for accurate and up-to-date information on registering as an architect in DHA Lahore.

To enroll as a property dealer, please follow these steps:

  1. Obtain Dealers Registration Form: Collect the Dealers Registration Form from the relevant department or authority.

  2. Complete the Form: Fill out the Dealers Registration Form with accurate and complete information.

  3. Provide Required Documents: Gather the following documents:

    • Photocopy of your Computerized National Identity Card (CNIC), duly attested.
    • Two passport-size photographs (1×1 size).
    • Challan form for the required fee. For the first-time registration, the fee is Rs. 40,000/-. For renewal, the fee is Rs. 10,000/-.
    • Certificate of registration issued by the Excise & Taxation department.
    • National Tax Number (NTN) certificate.
    • Undertaking on a stamp paper worth Rs. 100/-.
    • Recommendation letter from the President of DHA Estate Agents Association (Reg) Lahore Cantt.
  4. Submit Completed Documents: Once you have completed the Dealers Registration Form and gathered all the required documents, submit them at the DHA office. Ensure that all documents are complete, properly attested, and in accordance with the specified guidelines.

The authorities will review your application and documents for enrollment as a property dealer. It’s advisable to contact the relevant department or refer to the official guidelines for accurate and up-to-date information on the enrollment process as a property dealer in DHA Lahore.

To obtain approvals for placing signboards in DHA (Defence Housing Authority) Lahore, please follow these steps:

  1. Prepare a Written Request: Write a formal written request addressed to the Director of Marketing at DHA Lahore. In the request, clearly state your intention to place signboards in DHA and provide details regarding the location, size, and design of the signboards.

  2. Contact the Director of Marketing: Reach out to the Director of Marketing at DHA Lahore for further guidance and assistance. You can contact them using the following phone number: +92 42 111 – 342 – 547 (111-DHA-LHR).

  3. Submit the Written Request: Submit the written request to the Director of Marketing at DHA Lahore. This can be done either through email, postal mail, or by personally delivering the request to the designated office.

  4. Await Approval: After submitting the request, await a response from the Director of Marketing regarding the approval of placing signboards in DHA. They will review your request and provide further instructions or requirements, if necessary.

It’s important to note that specific guidelines and procedures may vary, and there may be additional requirements or restrictions for placing signboards in DHA Lahore. It’s recommended to contact the Director of Marketing or refer to the official guidelines for accurate and up-to-date information on obtaining approvals for placing signboards in DHA Lahore.

For information regarding market property prices in DHA (Defence Housing Authority) Lahore, it is recommended to contact the DHA Property Exchange. They can provide you with the most updated and accurate information on property prices within DHA.

To inquire about property prices, you can contact the DHA Property Exchange at the following phone number: 111-342-547 (Extension 127 / 100).

The representatives at the DHA Property Exchange will be able to assist you with the current market property prices, trends, and any other relevant information you may need.

Please note that property prices may vary based on various factors, including location, property type, market conditions, and other factors affecting the real estate market. It’s advisable to contact the DHA Property Exchange for the most up-to-date and accurate information regarding property prices in DHA Lahore.

 
 

To obtain membership in DHA (Defence Housing Authority) clubs, please follow these steps:

  1. Visit the Club or Contact: You have the option to either visit the specific club location or contact them directly for membership inquiries.

    • For DHA Club – J Block: Visit the club located in J Block or contact them at the following phone numbers: 042-39264413, 35723984-5.
    • For DHA Club – R Block: Contact the club at the following phone number: 042-35892143.
    • For DHA Club – FF Block: Contact the club at the following phone numbers: 042-35743450-1.
  2. Inquire about Membership: Once you are in touch with the club representatives, inquire about the membership process, requirements, and any associated fees or documentation needed for membership application.

  3. Follow the Membership Process: Follow the instructions provided by the club representatives regarding the membership process. This may involve completing an application form, submitting necessary documents, and paying the applicable membership fees.

  4. Submit Required Documents and Fees: Prepare the required documents and fees as specified by the club for the membership application. This may include personal identification documents, photographs, and payment of membership fees.

  5. Complete Membership Application: Submit the completed membership application along with the required documents and fees to the club administration as instructed.

The club representatives will guide you through the membership application process and provide you with any additional information you may need. Please note that the availability of memberships may be subject to certain criteria and limitations, and there may be specific terms and conditions associated with club memberships in DHA Lahore.

It’s advisable to contact the respective club directly or visit their location for the most accurate and up-to-date information regarding membership procedures and requirements in DHA clubs.

Non-members typically do not have access to the facilities offered by clubs in DHA (Defence Housing Authority) Lahore. However, it’s recommended to directly contact the specific clubs for the most accurate information regarding their policies on non-member access to facilities.

You can reach out to the clubs in DHA Lahore using the following contact details:

  • DHA Club – J Block: Contact them at Tel # 042-39264413, 35723984-5.
  • DHA Club – R Block: Contact them at Tel # 042-35892143.
  • DHA Club – FF Block: Contact them at Tel # 042-35743450-1.

The club representatives will provide you with detailed information about their membership policies and whether they offer any guest or day-pass options for non-members to use the club facilities.

Please note that policies may vary among different clubs, and access to certain facilities or services may be restricted to members only. It’s advisable to contact the clubs directly for accurate and up-to-date information regarding non-member access to facilities in DHA clubs.

To obtain a duplicate copy of the water bill in DHA (Defence Housing Authority) Lahore, you have two options:

  1. Visit DHA Main Office: Go to the DHA main office and proceed to counter #1. Request a duplicate water bill from the staff at the counter by providing the necessary information.

  2. Use DHA eServices: Another convenient option is to utilize DHA eServices. You can visit the DHA eServices website at https://eservices.dhalahore.org and follow the instructions to access your account and generate a duplicate water bill online.

Please note that using the eServices platform may require registration and login using your DHA account credentials. The website provides a user-friendly interface to manage various DHA services conveniently.

If you encounter any difficulties or need further assistance, you can also contact DHA customer service for guidance.

It’s important to keep in mind that specific requirements or procedures may vary, and fees may be associated with obtaining a duplicate water bill. It’s recommended to visit the DHA main office or refer to the eServices website for the most up-to-date information and instructions regarding duplicate water bill requests in DHA Lahore.

To initiate the process of transferring ownership of your house or plot in DHA (Defence Housing Authority) Lahore, please follow these steps:

  1. Review the Transfer Procedure: Visit the Transfer Procedure section on the DHA website for detailed information and instructions regarding the transfer process. You can find the necessary guidelines and requirements there.

  2. Prepare Required Documents: Gather all the necessary documents needed for the transfer. This typically includes:

    • Original sale deed/transfer letter
    • Allotment/possession letter
    • No objection certificate (NOC) from relevant authorities
    • Copy of Computerized National Identity Card (CNIC) of the buyer and seller
    • Affidavit(s) and undertaking(s) as per the specified format
    • Any other documents as mentioned in the Transfer Procedure guidelines
  3. Submit Transfer Application: Submit the transfer application along with the required documents to the Transfer Department at the DHA office. The transfer application form can be obtained from the DHA office or may be available for download on their website.

  4. Pay Transfer Fee: Pay the applicable transfer fee as per the fee schedule provided by DHA. The fee can be paid at the designated bank or payment counter specified by DHA.

  5. Follow the Transfer Process: Follow the instructions provided by the Transfer Department and cooperate with them throughout the transfer process. This may involve document verification, site visits, and other necessary steps to ensure a smooth transfer of ownership.

  6. Obtain Transfer Approval: Once the transfer process is completed and all requirements are fulfilled, you will receive the transfer approval from DHA.

It’s important to note that the transfer process may involve additional steps and requirements specific to your property type and circumstances. Therefore, it’s advisable to review the Transfer Procedure provided by DHA and seek guidance from the Transfer Department or consult a legal professional for personalized assistance.

For detailed and up-to-date information on the transfer procedure, it’s recommended to visit the Transfer Procedure section on the DHA Lahore website or contact the Transfer Department directly.

Yes, it is possible to place a generator at a residential or commercial building in DHA (Defence Housing Authority) Lahore. However, certain conditions and guidelines must be followed to obtain permission for generator installation. Here are the applicable conditions:

  1. Location of Generator Set: For residential buildings, the generator set should be installed in the basement or the front lawn area, ensuring a distance of at least 5 feet from the common boundary wall. Commercial buildings may have different guidelines, and it is advisable to visit the Facilitation Desk for specific instructions.

  2. Soundproof Canopy: The generator set must be installed with a soundproof canopy to minimize noise pollution and ensure compliance with local regulations.

  3. Maximum Capacity: The maximum capacity allowed for a generator set is 25KVA. It’s important to ensure that the chosen generator falls within this capacity limit.

  4. Backup Power Usage: The generator set should only be used as a backup power source in case of failure of the regular power supply from the WAPDA/LESCO (Water and Power Development Authority/Lahore Electric Supply Company).

It’s essential to note that these conditions are generally applicable, but specific rules may vary depending on the building type and location within DHA Lahore. For detailed instructions and accurate guidelines regarding generator placement in commercial buildings, it is advised to visit the Facilitation Desk at the DHA office.

Complying with these conditions will help ensure the proper installation and operation of the generator while maintaining the required standards and regulations set by DHA Lahore.

For further information or clarification, it is recommended to contact the relevant authorities or visit the appropriate desk at the DHA office.