Lahore Real Estate Forum

Tuesday, September 15, 2026 07:11 AM
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(55708)
Friday, December 14, 2012 12:35 PM PST 
House Finance

Dear Admin pls. allow me the mention post for a while.

I am seeking an advice for house finance (just short of 8/10lacs out 85lacs+)
I am doing job in well known company over decades on senior middle management. On the basis of company/group I obtained information for house finance from some banks (Including Islamic Banks) a few are as follows.
DBI Dubai Bank Islami offered me K+2% another bank (Mezzan bank offered K+3). Other traditional banks rates are around K+3 to 3.5%. Presently Kibor is around9.5%.
I prefer to finance from Islamic Bank. But my concern is with the charges imposing by bank like legal fee, loan approval fee, valuation charges etc. etc. Second Concern is that as house is being purchased located in LDA scheme and mortgage and its clearance is not only cumbersome but also involves bribe payment.
I ask some of my friends/colleagues/relatives to fiancé me the amount and retain my post dated cheques or another security they want till collection of principal amount with markup.
If instead of house financing (secure loan) I take unsecured loan which is most expensive and its cost is over 20%.
Pls. advise me which option I should opt. secured or unsecure. If anyone here at this forum can offer me this finance I can offer same rates or on the terms mutually agreed. U pls. reply me here or mail me at (edited).

Thanks in advance.

Hussain Kaisrani replied on Friday, December 14, 2012 01:29 PM PST 

In my humble opinion this post should be either edited or totally deleted as last two lines of it seems MASHKOOK to me.

"If anyone here at this forum can offer me this finance I can offer same rates or on the terms mutually agreed. U pls. reply me here or mail me at (edited)"

Maqsood replied on Friday, December 14, 2012 01:31 PM PST 

AOA
Mr Saleem

Pray five times and consistent two nafals for you requiremnt and ask the the Biggest Banker (Allah Pak) to help you and if you pray with full trust InshaAllah you will be surprised by the source He creates for you. In Quran and Hadith it is written sincere Astagfar will bring the prosperity and happiness.
Allah May Help You.

Khan replied on Friday, December 14, 2012 09:04 PM PST 

I endorse Mr. Kaisrani. If the gentleman is so placed in the company, he should be able to get that kind of finance from them. Who would know his credit worthiness than his employer, where deductions from his salary could be made on regular basis.

Raza replied on Saturday, December 15, 2012 04:00 AM PST 

A person working for well known company, as senior middle management, for 20 year, seeking 8 to 10 lacs financing? Sorry! the whole thing sounds like a scam.

Adeel replied on Saturday, December 15, 2012 01:38 PM PST 

>>just short of 8/10lacs out 85lacs+

Sabaz Bagh dikh ker..... :-)

LRE replied on Saturday, December 15, 2012 02:05 PM PST 

We are so glad to know that most visitors of LRE websites are (or have learned to be) smart enough to recongize the scams, or least be skeptical of where they should be so. Now they know one more technique that can be used by potential scammers.

If it looks like a duck, swims like a duck, walks like a duck and quacks like a duck; then most probably it is a duck.

Visitor replied on Wednesday, December 19, 2012 12:57 PM PST 

Other than last para he provide good information regarding loan options where an employee want to finance.
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(55707)
Friday, December 14, 2012 10:34 AM PST 

Is it possible to construct a road by society by own from Valencia to engineer town. I personally believe it a very sort distance between both. May be a fraction of km. even if kacha road cleared between ll not be bad idea for faster inhabitant.
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(55706)
Thursday, December 13, 2012 09:11 PM PST 

Ad Type
City
Scheme
Phase
Size
Cur. Rate
Rawalpindi
Gulshan-e-subhan
1
5 Merla
Hi,
I want to purchase a plot in Gulshan-e-subhan Phase-1.
Please let me know.
What is the current rate in this society.
I have offer of 3,60,000.
May i purchase on this rate.
Thanks,
Muhammad Amjad.

Visitor replied on Friday, December 14, 2012 12:39 AM PST 

Where is this society in Rawalpindi ?
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(55705)
Thursday, December 13, 2012 08:47 PM PST 
LDA Evenue

Dear All Respected members I want to buy 1 kanal Plot in LDA evenue.There is lot of litigations issued there.Would you pls guide me that which Blocks are better and what is expected price of posession and non posession plots in those particular Blocks.And when posession is expected in LDA evenue.Regards to all
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(55702)
Thursday, December 13, 2012 04:59 PM PST 
LDA RELATED QUERY

Dear Readers

Does anyone know someone who can help (agent etc) to done a assignment in LDA Lahore.
My fahter-in-law died few year back and his house is required to be transferred to his legal heirs. In LDA current record the house is on his (fahter-in-law) and his brother's name but later his brother transferred his share to him through "Registry".
Now the job is to transfer the house on his legal heirs ( wife, daughters and sons)
Can anyone please help and give contact of someone who can do this job through LDA.

Thanks a lot
Umer
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(55701)
Thursday, December 13, 2012 03:35 PM PST 
Villa at Bharia Town Sector C

Hi
I am interested in buying small villa in Behria Town Sector C. Would you please let me know the price.
Thanks

Limo replied on Thursday, December 13, 2012 07:06 PM PST 

6 Marla, double story, facing prak, corner
location......50 lacs
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(55700)
Thursday, December 13, 2012 02:43 PM PST 
DHA RAYA Lahore Required One Kanal House

Lahore Real Estate Required One kanal House in DHA RAYA Facing Golf Course On Cash Payment to Get Best Offer Call,

03334177723

+92-42-111-111-040
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(55699)
Thursday, December 13, 2012 01:32 PM PST 

Friends through a reliable source, ballot for phase 9 is in the mid of Feb 2013
regards
Gabool

SJD replied on Thursday, December 13, 2012 01:58 PM PST 

In-sha-Allah.
>
(55698)
Thursday, December 13, 2012 01:25 PM PST 
Vista Housing Scheme,Rawalpindi

I shall be thankful if any of you readers could through some light on the Vista Housing scheme
of Rawalpindi Development Authority,Rawalpindi.
With best regards,

Guest replied on Friday, December 14, 2012 10:22 AM PST 

Where is this society in Rawalpindi ?
>
(55697)
Thursday, December 13, 2012 12:30 PM PST 
discussion

dear
good moring everybody.can some explain about allocation files.why price is less for these files.
the development charges are pending or some thing else.
thanks
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(55695)
Thursday, December 13, 2012 12:30 AM PST 
DHA 9 Plots For Sale

DHA Town Lahore Phase 9 Near 179 A 10 Marla @ 49.00

DHA Town Lahore Phase 9 Near 751 A 8 Marla @ 35.00

DHA Town Lahore Phase 9 Near 251 B 5 Marla @ 23.50

DHA Town Lahore Phase 9 Near 1128 C 5 Marla @ 23.00

DHA Town Lahore Phase 9 Near 48 D 5 Marla @ 23.00

DHA Town Lahore Phase 9 Near 1612 C 5 Marla @ 22.00

DHA Town Lahore Phase 9 Near 747 D 5 Marla @ 21.50

DHA Town Lahore Phase 9 Near 40 D 5 Marla @ 22.00

DHA Town Lahore Phase 9 Near 718 D 5 Marla @ 22.00 (Facing 8 Marla Plots)

:1)

DHA Lahore Phase 9 Files:

*****DHA Lahore Phase 9 Five Marla File Available At 12.10 Lacs.*****

*****DHA Lahore Phase 9 Ten Marla File Available At 19.80 Lacs.*****


:1)


DHA Town Lahore Phase 9 Map:

http://www.lahorepakistan.net/DHA-Town-Phase-9-Map.htm

DHA Lahore Phase 9 Available Plots:

http://www.dhalahore.net/property-buy-sell-rent/dha-lahore-phase-9-plots-for-sale/


For More Detail Please Contact:

Mian Fawad Ahmad
Lahore Real Estate
Cell : 0302-4489001
Email : Fawad@LREPK.COM
UAN : 042-111-111-040
Direct Line : (042-35692422)

:forsale: :forsale: :forsale:

Tags:DHA,DHA Lahore,DHA Lahore Phase 9,DHA Lahore Phase 9 Balloting,DHA Lahore Phase 9 Ballot,DHA Town Lahore,DHA Lahore Map,DHA Lahore Phase 9 Map,dha phase 9 prices,dha phase 9,DHA Town,DHA Town Phase 9,DHA Town Plots,DHA phase 9 Ballot,DHA Ballot.
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(55694)
Wednesday, December 12, 2012 10:39 PM PST 
current cost of construction per sq ft in lahore

hello all. i want to know the construction cost in Lahore per sq ft. as i m intending to start my construction business. please guide me in this regard.
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(55693)
Wednesday, December 12, 2012 09:35 PM PST 

Ad Type
Scheme
For Sale
Bahria Town low cost
Aslam o alikum, can anyone tell me what is the current development status of Bahria Town Low Cost Scheme. when we can expect possession for LOC :h
>
(55691)
Wednesday, December 12, 2012 02:24 PM PST 
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(55690)
Wednesday, December 12, 2012 12:26 PM PST 
Dual citizenship

Do we have dual citizenship agreement with USA and Canada!! I know that with uk, we do have. Just want to enquire in case one gets the citizenship of Canada, does he need to surrender his Pak citizenship.
Admn, pls let it for a while, thanks

flex-01 replied on Wednesday, December 12, 2012 02:18 PM PST 

For canada, there is no issue of keeping dual citizenship. One can keep both the citizenships.

jk replied on Wednesday, December 12, 2012 03:50 PM PST 

It is Pakistan who allow's you to keep dual nationality and
not any of the other countries mentioned above.

Limo replied on Wednesday, December 12, 2012 04:38 PM PST 

@flex-01, thanks.
@jk, I have heard that there remains a mutual agreement and Pak has such agreements with 13 or 16 countries. Other than those countries, once you apply for the citizenship you are only granted after you surrender yours. Like Saudi Arabia, Austria and perhaps Germany also.
I have little extension to same query,....if I get a citizenship of any country surrendering mine, would I be eligible to establish any business or purchase property in Pak. Thanks

jk replied on Wednesday, December 12, 2012 05:53 PM PST 

You can purchase property in Pakistan NO issue at all.

Paki (Saudia) replied on Wednesday, December 12, 2012 07:26 PM PST 

If I have to surrender my great Pakistani nationality I would prefer to die in Pakistan

ahmed replied on Wednesday, December 12, 2012 07:49 PM PST 

hairat ki baat hai, We pakistani if dont like our own nationality who else will,
We are pakistani but we hate our nationality,
Our national language is Urdu(Quran in arabic), we Love English language.
We get insulted being called as "Paki" but we like the nationality of those (UK,USA,etc)insulting us.
We are pakistani and we want help from other nationality
Until we dont lift up our own Nation we will be cheap, looking for help from other nations.

MAS replied on Wednesday, December 12, 2012 07:59 PM PST 

Yes we have dual citizenship agreement with USA and Canada along with 14 other countries. Citizens of those countries who also have Pakistani Passport/NIC can apply for NICOP.

You may refer this site for authentic info: http://www.pcgv.org/consular-services_NICOP.shtml

Isloo replied on Thursday, December 13, 2012 12:24 AM PST 

@ahmed, looks like you have not travelled to MiddleEast or Europe and then you will come to know why people prefer foreigh passports. One of the BIGGEST reasons is visa-free, hassle free travel to so many countries. I felt humiliated at Dubai Airport where they put you in separate queue for checks. Its the image of the country that has developed over the years.
I am not a dual national and love Pakistani Nationality, but sometimes, you really get irritated to miss education, job and business opportunities available to "priviliged" passports.
No one hates his/her place of birth,,,its the people around who make you do it !!!

Nadeem replied on Thursday, December 13, 2012 03:15 AM PST 

@ Isloo... UAE and Saudi don't care any more about US, UK or any foreign passport if your skin is BROWN. They'll treat u as they want... until u have white skin.

Ppaki replied on Thursday, December 13, 2012 01:36 PM PST 

@Nadeem you are 100% correct for UAE I know now their is hardly salay difference between Pakistani Passport holder and Gora country passport holder ( Only for asian skined people) now I have few firends their compaies are start asking to hiring firm only hire White skin or dark black skin people if they are having GORA country passwport :) Inshalla jab Pakistan track per wapis ayee ga to yah log na ghar ka rahen gay na ghat kay same as Today its happeing in India
:):)

Away from Pakistan replied on Thursday, December 13, 2012 03:30 PM PST 

You may get the citizenship of any country but you will always be treated as a second rated citizen there. We,who travel or live abroad, need to improve our conduct and behaviour, only then we can earn respect for our Green Passport like we had till 1970. A personal note: I will never try to acquire nationality of any other country despite living abroad with family.
Regards to all Pakistani Nationals
>
(55689)
Wednesday, December 12, 2012 01:04 AM PST 

One of my relatives owes me 40 lacs. He wants to give me a 10 marla plot in Amla Gali of Taj Bagh. Can someone give approximate price of this plot . I shall be thankful .

Isloo replied on Wednesday, December 12, 2012 01:20 AM PST 

I think you should ask him to sell it and then give you money. It could be a dead investment if you dont know the worth or its not easy to sell. If it was a very good plot, he would never offer it you.

Maqsood replied on Wednesday, December 12, 2012 01:25 PM PST 

AOA
Dear Bashir Sb.
In my opinion first check weather he is in a position to give money or this plot is his last resort. I would recomend you to go Tag Bag and ask to some local dealer. If the price is not too much difference than accept before it too late. If the difference is too much sit amicably and sort it out. I would say regularly pray Namaz and nafal InshaAllah your money with profit would come back.
One thing keep in mind if your relative is sincere than accept the even itis little bit loss. Allah May Help You And Your Relative.
Amen.

aliakee replied on Thursday, December 13, 2012 01:34 PM PST 

brother bashir, I think its fair deal,you can get back your amount by selling this plot.Its price could be 30 to 35 lacs.Even if you hold it you can sell it in future 3 to 5 years for 45 lacs.Allah know best but seems me reasonable.

I think your relative has a bad time and dont have a cash,could be a reason for his offer.If you will buy plot besides plot you will get sawab inshallah for this help.

agar aaj kay dor main relatives aik dusrey ke madet nahe karey gay,tu ya khandani nizam weak ho jaey ga.mujey lagta hai wo ap ko kuch dena chatha hai,mager us kay pass plot he hai.

I have a sympathy for both of you.

You can
contact dealers too.

Allah bless you.

AR-Riyadh replied on Friday, December 14, 2012 07:54 PM PST 

I remeber some time ago, Taj Bagh declared illegal by LDA. you better check its current status or follow as advised by Isloo.

AR
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