NI9.xyz
Home / Calculators / Property Qist Calculator
🏠 Finance Calculator

Property Qist (Installment) Calculator

Property ki total price, down payment, aur installment tenure enter karein. Monthly qist, total markup, aur possession payment instantly calculate karein. Pakistan ke real estate schemes ke liye perfect.

🏠
✓ Expert Reviewed

Kamran Shahzad

MBA Real Estate, Member Pakistan Real Estate Agents Association

Review date: July 13, 2026 • Next review: January 13, 2027

Property Qist Plan Calculator

Sab fields PKR mein fill karein.

PKR

Possession milne par adaa ki jaane wali lump-sum

Pakistan mein typically 10-18% KIBOR-based

Har 6 months mein extra qist (optional)

Monthly Qist (Installment)
—
Calculate karne ke liye button press karein
Down Payment —
Possession Payment —
Remaining Balance —
Total Markup —
Bonus Payments Total —
Total Payable —
💡 Tip: Pakistan mein property installment plans typically 2-3 years ke hote hain. Half-yearly bonus payments monthly qist ko kam karte hain. Zaroori hai ke possession payment budget mein pehle se rakha jaye.

Property Qist Calculator Kaise Kaam Karta Hai?

Pakistan mein property khareedne ke do common tareeqay hain: cash (full payment) jis mein discount milta hai, aur installment plan (qist) jis mein total price ko down payment, monthly installments, half-yearly bonus payments, aur possession payment mein divide kiya jata hai. Pakistan ke real estate developers jaise DHA, Bahria Town, Park View, Lake City, aur Capital Smart City sab installment plans offer karte hain.

Hamara calculator aap ko yeh sab calculate karne mein madad karta hai: total price ka kitna percent down payment hai, possession payment kitni hogi, monthly qist kitni banegi (markup ke saath), aur total payable amount kya hoga. Pakistan mein typically 10-18% annual markup lagta hai jo KIBOR (Karachi Interbank Offered Rate) par based hota hai.

Property Installment Plan Ka Structure

Ek standard Pakistan property installment plan aise structured hota hai:

Markup Kaise Calculate Hota Hai?

Pakistan mein property installment plans par markup simple interest ya reducing balance method se calculate hota hai. Developers aksar simple interest use karte hain: total markup = remaining balance × annual rate × years. Example: agar remaining balance Rs 60 lakh hai, 3 saal tenure, 12% markup, to total markup = 60,00,000 × 12% × 3 = Rs 21,60,000. Yeh markup total mein add ho jata hai, phir monthly qist mein divide ho jata hai.

Reducing balance method mein markup har month remaining balance par lagta hai (jaise home loan). Yeh thora kam hota hai kyunke principal amount har month kam hoti jaati hai. Lekin property installment plans mein simple interest zyada common hai.

Pakistan Ke Popular Real Estate Schemes

DHA (Defence Housing Authority)

DHA Pakistan ka most trusted real estate developer hai jis ki presence Karachi, Lahore, Islamabad, Peshawar, Multan, aur Quetta mein hai. DHA ki installment plans typically 2.5-3 saal ki hote hain with 20-25% down payment. Plot prices Rs 50 lakh se Rs 5 crore tak ja sakti hain depending on phase aur city.

Bahria Town

Bahria Town Pakistan ka largest private real estate developer hai with presence in Karachi, Lahore, Rawalpindi, aur Islamabad. Bahria Town ke plans flexible hote hain — 2-4 saal tenure, 15-25% down payment, aur regular promotions jaise "Book now, pay later" ya "0% markup for first year".

Park View, Lake City, Capital Smart City

Yeh modern housing societies hain jinke plans typically 3-4 saal ke hote hain with attractive features jaise golf courses, lakes, aur international standard infrastructure. Pricing slightly premium hai DHA se, lekin amenities behtar hain.

Property Khareedne Se Pehle 10 Zaroori Batein

  1. NOC check karein: Property ka approved layout plan aur NOC (No Objection Certificate) relevant authority (CDA, LDA, KDA, etc.) se verified karein.
  2. Tehsildar / Patwari verification: Property ke owner ki ownership verify karayein. Fard (ownership document) latest ho.
  3. Encumbrance certificate: Yeh certify karta hai ke property par koi loan ya court case nahi hai.
  4. Stamp duty aur registration fees: Yeh total price ka 5-7% add karein (transfer costs).
  5. Developer ki reputation: Past projects check karein, customer reviews dekhein, aur completion timeline verify karein.
  6. Utilities status: Electricity, gas, water connections available hain ya nahi, aur kitni jaldi milengey.
  7. Future development plans: Aas paas koi commercial zone, road expansion, ya industrial zone to nahi ban raha jo value ko effect kare.
  8. Resale potential: Property ki demand aur growth rate research karein.
  9. Payment plan flexibility: Pehle se plan parhna — half-yearly payments kitne hain, possession payment kab payable hai.
  10. Legal advisor se consult: Property document lawyer se check karwayein before final commitment.

File Ya Plot — Kya Behtar Hai?

Property investment mein do options hain: file (jisme property ka physical existence nahi, sirf document hai) aur plot (jisme physical land allotted hai). Files sasti hote hain lekin zyada risky — development start nahi hui to investment stuck. Plots mehnge hote hain lekin safe investment hain — aap possession le ke ghar bhi bana sakte hain ya resell kar sakte hain.

Overseas Pakistanis Ke Liye Tips

Overseas Pakistanis ke liye property investment ek common wealth-building strategy hai, lekin distance ki wajah se fraud ka risk zyada hota hai. Yeh tips follow karein:

Frequently Asked Questions

Down payment kitna rakhna chahiye?
Ziada down payment rakhna behtar hai kyunke is se markup amount kam hota hai aur monthly qist bhi kam hoti hai. Minimum 20-25% recommended hai. Agar budget allow kare to 30-40% down payment se aap lakhon rupees markup bacha sakte hain.
Pakistan mein property markup rate kitna hota hai?
Property installment plans mein typically 10-18% annual markup lagta hai. DHA aur Bahria Town jaise reputed developers usually 12-15% charge karte hain. KIBOR (Karachi Interbank Offered Rate) par based hota hai, jo Pakistan ki central bank policy rate reflect karta hai.
Half-yearly bonus payment kya hota hai?
Yeh ek optional lump-sum payment hai jo har 6 months mein monthly qist ke saath adaa ki jaati hai. Is ka faida yeh hai ke aap ka principal jaldi clear ho jaata hai, jis se total markup kam hota hai aur monthly qist bhi reduce hoti hai. Pakistan ke developers aksar yeh feature offer karte hain.
Possession payment kab adaa karna parta hai?
Possession payment tab adaa karna parta hai jab developer property physically aap ko hand over karne ke liye ready hota hai. Yeh typically booking ke 2-3 saal baad hota hai. Yeh total price ka 20-40% hota hai. Agar aap time par adaa nahi kar sakte to developer penalty charge kar sakta hai ya possession delay kar sakta hai.
Property khareedne par tax lagta hai?
Haan. Stamp duty (3-5%), registration fee (1%), aur capital gains tax (agar aap 5 saal se kam held property sell karte hain). Filers ke liye CGT 1-15% slabs mein hota hai, non-filers ke liye 2-25%. Section 7E ke mutabiq Rs 25M+ fair market value wali property par 1% deemed income tax annually.
File aur plot mein kya farq hai?
File sirf ek document hai jisme property ka physical existence nahi — developer ne land allot nahi kiya abhi. Plot mein physical land allotted hai, possession mil sakti hai. Files 30-50% sasti hoti hain lekin risk zyada — agar developer ki project delay ho ya cancel ho to investment stuck. Plots safe investment hain.

Pakistan ke Top Real Estate Developers — Detailed Comparison

Pakistan mein 50+ real estate developers active hain, lekin sirf kuch reputed hain jinke projects safe investment hain. Yeh section aap ko main developers ke plans, rates, aur credibility ke baare mein guide karega.

DHA (Defence Housing Authority) — Most Trusted

DHA Pakistan ka most trusted real estate developer hai jo originally armed forces ke liye banaya gaya tha lekin ab civilians bhi invest kar sakte hain. DHA ke projects Lahore, Karachi, Islamabad, Peshawar, Multan, Quetta, aur Bahawalpur mein hain. DHA ki sab se badi khasiyat yeh hai ke NOC guaranteed hai, infrastructure top-notch hai, aur resale value best hai.

DHA City-Wise Entry Prices (2025):

Project 10 Marla (Rs) 1 Kanal (Rs) Installment Plan
DHA Lahore Phase 1-51.2-2.5 Cr2.5-5 CrReady possession
DHA Lahore Phase 6-980L-1.8 Cr1.5-3 CrMostly ready
DHA Lahore Phase 9 Town55-85 L1.1-1.5 CrReady possession
DHA Karachi Phase 1-51-3 Cr2-6 CrReady
DHA City Karachi35-60 L70L-1.2 Cr3-year installments
DHA Islamabad Phase 1-51.5-3 Cr3-6 CrReady
DHA Islamabad Phase 5 Extension90L-1.5 Cr1.5-2.5 Cr2.5-year installments
DHA Peshawar1.2-2.5 Cr2-4 CrReady
DHA Multan55-90 L90L-1.5 Cr2-year installments
DHA Bahawalpur35-60 L55L-1 Cr3-year installments

Bahria Town — Affordable Luxury

Bahria Town Pakistan ka largest private real estate developer hai jis ki presence Karachi, Lahore, Rawalpindi, aur Islamabad mein hai. Bahria ke projects mehnge hain lekin DHA se thore saste, aur amenities behtar (theme parks, restaurants, cinemas, hospitals). Bahria ke installment plans flexible hote hain — often 2-4 saal tenure with 0% markup promotions.

Bahria Town City-Wise Prices (2025):

Other Major Developers

Park View Housing Society:

Lahore (main ring road) aur Islamabad mein present. Park View Lahore ki 10 Marla Rs 90L-1.5 Cr, 1 Kanal Rs 1.8-2.8 Cr. NOC approved, good infrastructure, fast development.

Lake City Lahore:

Raiwind Road Lahore, 10 Marla Rs 70L-1.2 Cr, 1 Kanal Rs 1.4-2.2 Cr. Golf course community, 3-4 year installment plans available, Robert Theme Park coming.

Capital Smart City Islamabad:

Premium smart city near New Islamabad Airport, 10 Marla Rs 80L-1.5 Cr, 1 Kanal Rs 1.5-3 Cr. Future-focused, FAST development, but possession delayed.

Eighteen Islamabad:

Luxury housing near Islamabad, 1 Kanal Rs 4-7 Cr. Premium villas, golf course, luxury lifestyle. Very expensive but high-end.

New Metro City Gujar Khan:

Entry-level, 5 Marla Rs 15-25 L, 10 Marla Rs 25-40 L. Budget-friendly, developing area, 4-year installments.

Document Verification Checklist — Property Khareedne Se Pehle

Pakistan mein property fraud bohot common hai. Har property khareedne se pehle yeh documents lazmi verify karwayein:

Society-Level Documents (Society se Check):

  1. NOC (No Objection Certificate): Relevant authority se (CDA Islamabad, LDA Lahore, KDA Karachi, MDA Multan, RDA Rawalpindi). Society office se original dekhein aur authority se verify karwayein.
  2. Approved Layout Plan: Society ka master plan approved hai ya nahi. Tukde tukde mein plot allot hain ya nahi.
  3. Development Status: Roads, sewerage, electricity, gas, water — kitna kaam complete hai.
  4. Transfer Letter Format: Society kis tarah ki transfer letter issue karti hai — sample dekhein.
  5. Allotment Letter Format: Allotment kis basis par hota hai — balloting ya first come first served.
  6. Possession Status: Plots ki possession ready hai ya development pending hai.
  7. Past Delivery Record: Society ne pehle kaunse projects deliver kiye, kab, kaisi quality.

Property-Level Documents (Seller se Check):

  1. Fard Malkiat (Ownership Record): Tehsil/Tapasildar office se latest fard (max 1 month old). Original owner ka naam shamil hona chahiye.
  2. Registry (Bay-e-Nama): Pichli sale deed. Original document. Pichle 30 saal ki registries check karein.
  3. Intiqal (Mutation): Property ka ownership kaise transfer hua. All mutations recorded honi chahiye.
  4. Transfer Letter (society se): Society ne owner ko transfer letter issue kiya hai ya nahi.
  5. Allotment Letter: Society ne originally owner ko allotment letter diya tha.
  6. Encumbrance Certificate: Property par koi loan, court case, ya lien to nahi. Sub-registrar office se milta hai.
  7. CNIC Verification: Seller ki CNIC NADRA se verify karwayein.
  8. Family Tree (Warasat Nama): Agar property inherited hai, to warison ki list verify karein.
  9. NOA (No Objection Affidavit): Other family members ka no objection affidavit.
  10. Property Tax Receipts: Pichle 5 saal ke property tax paid receipts.
  11. Utility Bills: Current electricity, gas, water bills — owner ka naam hona chahiye.

Step-by-Step Property Khareedne Ka Process

  1. Step 1: Budget Decide Karein — Kitna afford kar sakte hain (down payment + monthly qist + possession payment + taxes + transfer fee).
  2. Step 2: City aur Area Select Karein — Investment ya living purpose? Future development potential?
  3. Step 3: Developer Select Karein — Reputed (DHA, Bahria) ya mid-tier (Park View, Lake City)?
  4. Step 4: Plot Visit Karein — Physical inspection. Approach road, surrounding plots, low-lying area to nahi.
  5. Step 5: Document Verification — Society NOC + seller ki documents.
  6. Step 6: Lawyer se Title Search — Rs 10,000-50,000 fee. Title 30 saal se clear hai ya nahi.
  7. Step 7: Token Money Pay Karein — Rs 50,000-5,00,000 token, agreement-to-sell draft karein.
  8. Step 8: Stamp Paper Purchase — Sale deed ke liye stamp paper (3-5% of property value).
  9. Step 9: Sale Deed Registration — Sub-registrar office mein registration. 1% registration fee.
  10. Step 10: Mutation (Intiqal) — Patwari office mein aap ka naam record mein enter karwayein.
  11. Step 11: Society Transfer — Society mein transfer letter aap ke naam se issue karwayein.
  12. Step 12: Utility Connections — Electricity, gas, water connection apne naam par karwayein.

Overseas Pakistanis ke Liye Special Guide

Overseas Pakistanis ke liye property investment ek common wealth-building strategy hai. Distance ki wajah se fraud risk zyada hota hai, is liye extra caution zaroori hai:

Pre-Purchase Steps (Overseas):

Remittance Options:

Common Overseas Pakistani Mistakes:

  1. Trusting wrong relatives without verification
  2. Buying in unapproved schemes (saste plots attractive lagte hain)
  3. Cash payment without documentation (tax issues)
  4. Not visiting property personally
  5. No Power of Attorney setup (court cases mein phans jate hain)
  6. Buying only 1 large property (no diversification)
  7. Not planning exit strategy

Capital Gains Tax — Property Sell Karne Par

Property sell karne par Pakistan mein Capital Gains Tax (CGT) lagta hai. Holding period ke mutabiq rates different hain:

Holding Period Filer CGT Non-Filer CGT
Less than 1 year15%20%
1 to 2 years10%15%
2 to 3 years7.5%11%
3 to 5 years5%7.5%
More than 5 years0%0%

CGT ki base "gain" hoti hai = sale price - purchase price - improvement costs - transfer costs. 5 saal se zyada hold ki gayi property par koi CGT nahi — is liye long-term investment tax-efficient hai.

👨‍💼

NI9 Editorial Team

Lead Editor

CFP® (Certified Financial Planner), MBA Finance

NI9 Editorial Team ke lead editor hain jo 12+ saal se Pakistan aur Gulf countries mein financial planning, tax advisory, aur investment research ka kaam kar rahe hain. CFP certification ke saath, team har article ko multiple authoritative sources se verify karti hai — FBR official publications, State Bank of Pakistan reports, aur international financial institutions ki research. Team ka mission hai Pakistan aur GCC ke Roman Urdu speakers ko world-class financial education provide karna.

Personal FinanceTax PlanningInvestment AdvisoryRetirement Planning
Free Forever

Aaj Hi Apne Paise Ki Planning Shuru Karein

20+ premium calculators aur 30+ in-depth guides — sab kuch Roman Urdu mein, bilkul free. Abhi apni financial journey shuru karein.

Browse All Calculators Read Articles