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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 a home loan statement with KIBOR charts and a calculator on a tableHome Finance

KIBOR Home Loan Refinance in Pakistan: Aug 2026 Guide

August 2026 guide to KIBOR home loan refinance in Pakistan: 3M vs 6M, exact PKR savings per 1% cut, typical fees, and a week-by-week action plan.

6 Aug 2026 10 min read

Couple reviewing Apna Ghar home loan options with a banker and NBFC officer, documents and calculator on table in Lahore apartmentHome Finance

Apna Ghar NBFC vs Bank: Which Route Should You Choose?

NBFC for speed and flexible docs, bank for cheaper post‑subsidy spreads. See caps, fees, rupee EMIs, city coverage and a 10‑day action plan for Apna Ghar.

6 Aug 2026 9 min read

Buyer and seller checking FBR and DC rate tables on a laptop with stamped documents and pay orders on a registrar’s desk in PakistanBuying & Selling

Deal Playbook: FBR property valuation 2026 review

Your August FBR property valuation 2026 review game plan: how updated tables hit taxes, smart bayana terms, CGT timing, buffers, and registry‑week moves.

6 Aug 2026 8 min read

Overseas Pakistani reviewing Roshan Apna Ghar documents on a laptop with Lahore skyline in the backgroundHome Finance

Roshan Apna Ghar for NRPs: August 2026 Fast-Track

A practical Aug 2026 fast‑track for NRPs: who qualifies, 10–15 day closing plan, LTV ranges, cash to close in PKR, and key tax/PoA steps to avoid delays.

6 Aug 2026 10 min read

Buyer and seller reviewing a SAPO and e-stamp details at a Rawalpindi deed writer’s desk, with DC rate tables visible on a screenBuying & Selling

Rawalpindi DC rates bayana: sign now or wait?

Practical playbook for Rawalpindi DC rates bayana: clauses, timelines, tax splits and buffers to survive DC hikes and 3–10 day registry pauses.

6 Aug 2026 8 min read

Karachi apartment skyline at dusk with rental buildings, overlaid with calculator and PKR notes symbolising Section 7E repeal impactInvestment

Section 7E repeal: redo your hold vs sell math (FY27)

Section 7E repeal (TY27) changes your net yield math. I show real PKR examples, KIBOR break-evens, and how handover delays affect hold vs sell.

6 Aug 2026 11 min read

Bidders in a CDA Islamabad auction hall with Blue Area skyline and marked commercial plots on a site planInvestment

Price a CDA Commercial Plot: A Hard Bid Cap Checklist

Set a strict bid cap for a CDA auction using FAR, rents, build costs, cap rates and CDA’s installment math. Real Islamabad ranges, no hype.

6 Aug 2026 10 min read

Young couple reviewing Pakistan home loan documents with calculator and house keys on a tableHome Finance

5% housing loan Pakistan: apply now or wait?

Who truly gets the 5% loan, how much EMI you’ll pay, the cash you need up front, and when it’s smarter to apply now vs wait—practical, Pakistan-specific guidance.

6 Aug 2026 11 min read

Buyer and seller calculating Pakistan property transfer taxes with FBR/DC valuation tables at a registry office deskBuying & Selling

Exactly how Section 236C and 236K rates hit your deal

A clear, rupee‑level guide to Section 236C and 236K: which valuation table applies, filer vs non‑filer impact, FY27 rate checks, and who pays what at registry.

6 Aug 2026 11 min read

Construction site in Lahore during monsoon with rain clouds, site diary clipboard and PMD alert on phoneBuying & Selling

Possession delay monsoon Pakistan: bulletproof your clauses

Use PMD/PDMA triggers, realistic monsoon buffers, LD or rent compensation, and automatic payment pauses to keep possession timelines fair and enforceable.

2 Aug 2026 10 min read

Rainwater pooling on tiled lounge floor of a Pakistani home with towels and buckets placed to protect furnitureHome & Lifestyle

Monsoon home insurance in Pakistan: cover & claims

Clear, Pakistan-specific guidance on STFI cover, costs, excesses and claims—plus a 48‑hour action plan to bind cover before the next downpour.

2 Aug 2026 10 min read

Applicant submitting documents at a PLRA Arazi Record Center counter for a Green Property Certificate in PunjabBuying & Selling

Punjab Green Property Certificate: July–Aug closing plan

From 1 July 2026, registries in Punjab shift to the Green Property Certificate. Get fees, documents, timelines and bank/registry steps for July–Aug closings.

1 Aug 2026 10 min read

Site store with stacked cement bags under plastic sheeting and bundled Grade-60 rebar on sleepers during monsoon in LahoreConstruction & Renovation

Smart escalation clauses to cap cement/rebar shocks

Practical escalation clause for Pakistan: SPI-linked baseline, clean formula, caps/bands, and monsoon storage tips to tame cement/rebar shocks.

31 Jul 2026 9 min read