Pakistan main rent vs buy ka decision aksar confusing hota hai. Property khareedne ke fayde: Equity built hoti hai, appreciation se property value badhti hai, rental income possible hai, pride of ownership. Lekin initial cost zyada hai - down payment 20-30% required, monthly installment rent se 1.5-2x zyada ho sakti hai.
Rent kay fayde: Flexibility (move easily), koi maintenance cost nahi, initial investment kam, extra amount invest kar sakte hain. Lekin koi ownership nahi, rent barhta rahega, landlord ki marzi par depend karna padta hai, rental yield aksar low hota hai Pakistan main (3-5%) vs mortgage rate (17-20%).
Pakistan main property prices: Major cities main average property price Rs. 3000-8000/sq ft. 5 marla plot in a good society Rs. 30-80 lakh, 10 marla Rs. 60 lakh - 1.5 crore. Aik flat (2-bed) Rs. 40 lakh - 2 crore depending on city and location. 5 saal main property prices double bhi ho sakte hain growing cities main.
Decision framework: Agar aap 5+ years ek hi jagah rehne wale hain to buy better hai. Agar job transfer etc possible hai to rent better. Rule of thumb: agar monthly rent property price ka 5%+ hai (annual) to buy behtar hai, warna rent better. Pakistan main 5% rent-to-price ratio aam hai, lekin 18% mortgage rate ke sath ratio adjust karna hoga.
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