2025-11-20 · 7 min read
The rent side of the equation
Rent rises roughly with inflation. Over ten years, a rent that starts at PKR 60,000 with eight percent annual growth costs far more cumulatively than most people estimate.
The buying side
Buying costs include down payment, bank markup, transfer taxes and maintenance, offset by equity build-up and capital appreciation.
The deciding factor
Holding period. Below three years, renting usually wins because transaction taxes dominate. Beyond seven years, buying usually wins in most Pakistani cities.
Frequently asked questions
What down payment do banks expect?
Most Pakistani banks expect 20 to 30 percent down payment for home financing.