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The Sakunat Blog

Expert property guides for every decision

Market trends, construction budgets, home finance and area know-how, published for Pakistan.

Articles

Pakistani couple reviewing home loan papers with a banker, showing a split-loan plan to shift part of the mortgage to a 5% fixed rateHome Finance

How to refinance to Apna Ghar 5% this October

Practical guide to refinance a chunk of your loan to a fixed 5% this October—eligibility, PKR 7–10m caps, fees, timelines, and cash‑flow math for Karachi, Lahore, Islamabad.

1 Oct 2026 12 min read

New Lahore mid‑rise lobby with keys, possession letter, and utility meter photos on a clipboardBuying & Selling

Lahore apartment possession checklist: a 21‑day Q4 2026 plan

A practical 21‑day Lahore apartment possession checklist for Q4 2026—bank tranche, LESCO/SNGPL timelines, FY27 tax PSIDs, snagging, and handover papers.

30 Sept 2026 10 min read

Night concrete pour at a Lahore house site with green netting and covered aggregate stockpiles during smog seasonConstruction & Renovation

Resequence your Oct–Dec build for Punjab’s smog controls

Resequence Oct–Dec works for Punjab smog: push dusty tasks early, pour at night, control dust, and store cement safely to avoid fines and lost weeks.

29 Sept 2026 9 min read

Survey pegs and batter boards set on a DHA 9 Prism residential plot with site office container and fencingConstruction & Renovation

DHA 9 Prism B, C, N, P: 14‑Day Build-Start Checklist

Your 14‑day DHA 9 Prism build-start plan: fees, pegging, DHA pre-approvals, LESCO/SNGPL, BOQ, budgets, and QC to break ground cleanly in B, C, N, P.

27 Sept 2026 9 min read

Sub-metered apartment electrical panel in Karachi with labeled meters for each flat and a shared common-area meterRenting

Add Electricity Pass-Through to October Leases in Pakistan

Switch October leases in Pakistan to electricity pass-through. Clear models, real PKR costs, sub-meter tips, and a copy-ready clause to avoid FCA bill shocks.

26 Sept 2026 11 min read

Bank valuer measuring a pegged residential plot with street access in a planned housing society in PakistanHome Finance

How to Make Your Plot Mortgageable Before Surveys Arrive

Turn your plot bankable fast: the right papers, society NOCs, FSV/LTV math, on‑ground prep and a 7‑day checklist for smooth valuation and approval.

24 Sept 2026 12 min read

Buyer reviewing LDA NOC and plans in a Gulberg III Lahore high‑rise site office with tower cranes in backgroundBuying & Selling

Lahore High‑Rise Booking Checklist for Gulberg Buyers

A fast, practical Lahore high‑rise booking checklist for Gulberg III: verify LDA NOC, lifts, utilities, parking, service charges and payment protections before bayana.

23 Sept 2026 10 min read

Concrete pump pouring a roof slab on a Pakistani house in clear October weather with crew vibrating and finishingConstruction & Renovation

Should you do roof slab casting in October in Pakistan?

Is October a good month for roof casting in Pakistan? Get ideal temps, dry-window, realistic PKR costs, quantities, crew plan, curing schedule, and rain backup.

21 Sept 2026 10 min read

Sunlit row of under-construction townhouses in DHA City Karachi Phase II with 60‑ft road and M‑9 in the distanceInvestment

DHA City Karachi Town Houses Phase II: 30‑day plan

Your 30‑day plan for DHA City Karachi Town Houses Phase II: verify location, price checks, sell vs build costs, approvals and timelines—no fluff, just numbers.

20 Sept 2026 10 min read

Bahria Town Rawalpindi street scene with plots and homes in Phase III‑E/IV, documents and stamp overlay symbolising transfer and NDC holdBuying & Selling

Bahria Town layout cancellation: 14‑day plan for III‑E & IV

A candid 14‑day plan for Bahria Town III‑E/IV: what pauses, what still moves, how to price, and how to protect bayana, NDCs and cash during the layout cancellation.

19 Sept 2026 10 min read

Homeowner using ePay Punjab on a phone to pay property tax before September 30 deadlineBuying & Selling

Claim the 5% Punjab property tax rebate before Sep 30

Pay your Punjab property tax (FY 2026–27) by Sep 30 to shave 5%. We show the fastest ePay route, arrears impact, PT‑10 fixes, and who pays during transfers.

18 Sept 2026 10 min read

Buyer and deed writer reviewing FBR valuation tables and DC rates at a registrar office counter in PakistanBuying & Selling

FBR property valuation 2026: Recheck your deal’s tax math

Mid‑year SROs shifted valuations. Learn which date locks your rate, how to read your city’s table, and when FBR vs DC values set federal and provincial taxes.

17 Sept 2026 12 min read

Pakistani couple reviewing fixed vs floating home loan options with KIBOR charts and EMI figures on a laptopHome Finance

Fixed vs Floating Home Loan Pakistan: Autumn 2026 Guide

Pakistan 2026 guide: compare fixed vs floating home loans with KIBOR spreads, EMI sensitivity, reset clauses, caps, and 5‑year cost math you can copy.

16 Sept 2026 9 min read