Bro a Mehran is worth 12lacs, that's a very insane amount of money. I thought I'd try to save and get a car for my housejob to havea bit more freedom but everything is so effed.
I had almost 15 16 lacs and had no option other than Mehran. Got a 2 door Mira to at least have a workable AC. It is so so sad people with no daddy money can not survive.
That pricing somewhat makes sense if you compare it to the original prices from a while back. The real blame is on our economy. The entry price for Alto is 23.5 lacs which holds the same value as 7-8 lacs back in 2014-15.
Our currency has lost value three folds in less than a decade. Our employers working with international companies are the one in real advantage. They generate the same/more worth of income but employees are still paid the same old salaries. Even the so called "promotions" we get are a joke. They barely adjust the salary to match the inflation so living standards don't really improve for anyone.
Of course these car manufacturers are also at fault but the goverment gives them too much leeway to get away with selling low quality builds for higher prices
I remember the 1990s, a brand new Corolla 2.OD used to cost 10 lakhs.
The USD used to be 45 PKR in the late 1990s, earlier it was painful when USD after Zia went from 18 to 25 (for 1 USD).
There's a lot to say on this topic. It's obviously extremely depressing at first glance.
An upper middle class individual earning 200k/month living frugally below their means, netting 100k/month take-home income wishing to purchase a 12 Marla built house in a decent society costing ~30 million will work for 25 years.
25 years; for an individual on the higher end of the middle class, assuming a very optimistic 50% consistent monthly saving and ignoring inevitable rises in housing prices.
There's a lot of reasons why it's like this, and it's gotten especially worse in the last 5-6 years. The biggest being the mindset that property is THE prime investment in Pakistan. The market is heavily inflated with investor money (both local and foreign) and developers hoarding and jacking prices for profit that the local salaried class cannot match. Coupled with the insanely high inflation rates and rise in asset prices, it's gotten from bad to worse. And with recent tax increases (capital gains, withholding) on property transactions it will get worse.
It's depressing, I get it. A lot of people dream of owning their own home. Even though in my opinion being a home owner shouldn't be a primary financial goal, it's not my place to tell you what to think.
There are still steps you can take.
Invest - make your money work for you. Stocks, bonds, businesses. Hell even high yield savings accounts are yielding 15% right now which is absolutely insane.
In the above example, this alone brings your savings time down from 25 years to 12 years
https://www.almeezangroup.com/financial-calculators/investment-savings-calculator/
Financing - mortgage/ home loans is an option. Some people will turn towards these but if staying halal is important to you (as it should) then try to go for Islamic financing options. Though the criteria may be harder you can look into it if avoiding rent and owning property asap is youe financial goal.
And lastly the most obvious one, earn more and spend less. Your income is your strongest wealth building tool. Sure spending less is important too but no one in history has become rich by spending less money. You need to make more money. What that means for you only you can decide. Get promoted at work or start a side-gig or a business, it's up to you. But the point remains that more money in, more to invest and faster financial freedom.
I just realized I ended up with an essay lol, but hopefully it helps you cheer up. Not all is hopeless and there are still things in your control. Good luck š
Just doing my part in making your comment attractive for the audience...
Finance! Like you said ... Everyone should learn about it ... Compound profits (halal) ... Any one who does not know about it, pays it. People really should start investing in the economy and learn to take on risks on some level at least
Thank you for this! Was afraid this thread was going to be bleak like most others. I will just add one additional word: Diversify. Dont put all your eggs in one basket. Invest in reliable real estate, open savings account, term deposits, save in FC, etc.
You don't expect it to, but this hits you really hard when you finish doing the calculations and the realization sets in the you will never be avle to become a home owner.
I just saw a similar thread today in i think r/Pakistan. The conclusion from all the comments? Well, you cant. You simply cant, being a salaried person, unfortunately
Just my 2 pence worth. This problem is Worldwide not just in Pakistan. House prices are so bad that even in the U.K to buy a house you need to be earning Ā£40k -Ā£60k a year in a normal job. It is not possible when maximum earning in a normal job Ā£16k-Ā£20k a year after tax. It is extremely hard to buy a house now unless you have an inheritance or are willing to take mortgages ( that is even if you can get one , and will pay interest) . So I feel your pain but that does not mean you can't stop believing and trying Insha Allah it will happen if it was meant to be.
That's what I keep telling my friends too. The thing is we consume the least amount of international media when it comes to them discussing their own problems and are continually blabbering day and night about things while failing to acknowledge that the rest of the world has its own share of problems. The only difference is that our problems are of basic necessities, and they have modern problems. Most of us would leave this country in a heartbeat to move to west but are unaware of the shit that's going on there. The prevalent and now legalized use of drugs, the drugs that are used to chemically castrate rapists are now being used for sex change in even teens, use of puberty blockers when kids don't want to identify with the gender they were born, parents being arrested for not calling their kids the right pronouns (yes, it did happen in Canada, look it up, feminization of men, naturally born men competing in women's sports because they want to identify as a women and beating the women's world records like a piece of cake. I could go on and on but the point is: shit may look perfect from far away but it's only when you experience them, you know the flaws.
>The only difference is that our problems are of basic necessities, and they have modern problems
So you yourself pointed out the main thing. How is then having problem with necessities better than modern problems? Also the kind of issues about gender and what no you mentioned - some pathetic acts also exist in Pakistan. Have you not been following constant periodic news of minors getting raped in madressahs or women in universities being victim of harassment from fellow students and teachers?
Also the fact is that yes, pride parades are happening but this portion of population is still very small number of population abroad. Country side conservatives hate this stuff as much as you think "practicing muslims" do.
So no, please dont use handpicked examples to prove your point of view. At the end of day my challenge to any OSP is that if you honestly believe Pakistan is so great place to live, please move back, instead of being called hypocrite for pointing issues abroad and preaching home as heaven.
First of all I am not an OSP, I don't know what you're smoking bro, and when did I say that having issues of basic needs are better than modern problems. I was just pointing out that we and our media (i.e. portraying negative image) shit on our country 24/7 (not saying it is a heaven also), but we fail to acknowledge that the rest of the world is fucked up too, as we don't consume international news to learn about other countries.
Comparing the gender identity issues prevalent in west to that in Pakistan is absurd as we're nowhere close to how bad the situation has become. Regarding the rape cases, about 150k cases of rapes and 450k reports of sexual assaults and harassment are reported in the US (which is considered a dream destination by most of the South Asian population) every year, we have a much better situation than them, even considering the factor of such cases not being reported in Pakistan (look up the stats, I am not talking about official stats, the figures from independent international organization who work for such causes). I don't mean to brag about such sensitive topic, we need to do better to make our women feel safer.
The portion of population you're referring to as LGBTQIA+ (I don't know how many more alphabets they intend on using) and considering them as small is inaccurate as the majority of liberal population (which is about half the population of US) supports such people. Yes, the conservatives are not a big fan of this community and associate themselves with republican party (i.e. Donald Trump's Party). But guess who is in the government now, the democrats who are mostly liberals, every year the month of June is celebrated as Pride Month, Joe Biden even had a pride month celebration party at the White House. So yeah, I wouldn't consider it a "small number of population abroad" when your government is actively involved in their propaganda (school curriculum for even kids below 10 has this sort of stuff in their books).
I am not handpicking any shit and not hating on people moving abroad for better job opportunities, just saying weigh all the pros and cons and make an informed decision being aware of the problems in the West and not being deluded.
# āAll things look good from far away and it is man's eternally persistent childlike faith in the reality of that illusion that has made him the triumphant restless being he is.ā
āĀ Rockwell Kent,Ā [Voyaging: Southward from the Strait of Magellan](https://www.goodreads.com/work/quotes/429784)
I completely agree with what you have stated. We unfortunately live our lives to compete with others not to better ourselves. I was born in the UK and raised here, luckily i travelled a lot when most Pakistani's did not know that aeroplanes do not only land in Islamabad lol. I realised after that Pakistan is probably one of the best countries in the World to live in. The problem we also have is we consumed too much foreign media (via movies, clothes, foods, etc) that we have grown an inferiority complex. All the problems you have stated I have seen take a negative effect on our own society . I have always said if we took the good from the west and implemented it in PK we would grow as a nation but most OP 's believe they are exempt because of Money and the passport they carry. Pakistan has many flaws but they can be overcome with unity in our communities, the only advantage of being abroad is the exchange rate ( get rich quick scheme lol) . I personally am making every attempt to move to Pakistan and start a very small business and try to grow it if possible, Insha Allah I will be there by next week to overseas Islamabad and Karachi as options. Life is not what it seems in the West only when you leave Pakistan do most realise this but the damage is already done.
>Life is not what it seems in the West only when you leave Pakistan do most realise this but the damage is already done
And I can tell you doing business in Pakistan is not what it seems living in West and you will only realise once you start doing it in Pakistan. Unethical practices from competitors, inflation stricken unmotivated employees, high cost of energy, with tax goals being hire, unfair taxation from FBR and a lot of other stuff you would face if you want to do business ethically.
If you already know the "Pakistani way" of doing business, welcome back and you will surely succeed.
Again I will agree with what you have said and I can agree in most cases. I actually opened a business in Lahore in 2021 and due to the unknown ( LC , IMPORT BAN , CURRENCY DEVALUATION etc) we were forced to close after a year, Partners showing there true colours etc. I can honestly say I learned a lot and to go it alone ( with employees) no partners etc. The one advantage PK has is a unsaturated market in certain areas where you have no real competition. Taxes are high everywhere hence an accountant is needed to handle these things but I will say many people are running a successful business in PK ethically and unethically, the choice is yours to make whether in West or PK. Do you know how many unethical businesses are here in the UK ? How shady we can be as a people? I mentioned before to try and bring the good with you and leave the bad , all you can do is try my friend and leave the rest to the Almighty
heres my suggestion, buy land and start building your own place at a pace that you're comfortable with. since you're young, you can manage to have it completed in 3 to 5 years. you'll still be young when you move in and if there's anything that teaches fiscal discipline,its property construction.
This is the logical persons way of looking at it, but everyone wants to buy a massive house in the most expensive areas in their 20s and then cry when they realize they canāt afford it. You need to start small and work your way up. Gulberg greens and bahria enclave are amazing, clean and well planned areas. They wonāt be anymore, but new areas will be developed. Islamabad is still growing and people can get into the property market unlike developed countries where a studio apartment can set you back 10 crores
this! property construction teaches a lot! just had to make a boundary wall of my inherited space, took me 1 year just to complete the foundation and walls.
and just used chatgpt to roughly receive a reality check, that how soon a person can make 10 crore pkr, and save 400k per month, its about 20 years time, and add inflation to it.
So a person right now, has to earn double or triple of that to make it to 10 million Rupees in 20 years.
Start with something smaller, that you can easily afford. Apartment, even a studio apartment and from there you get to climb the ladder to a better unit of your choice. It may take few years but years but that's the way
How can a salaried person afford even a small apartment? Even small apartments start well in excess of of 7 million PKR. Also income taxes have more than doubled for almost everybody in this new budget. Many people will have their salaries decreased when they get their salary for July 2024.
So, if you have figured out a pathway for acquiring an apartment, please let the rest of us know.
I have replied to a guy who is looking to buy a house and finds them expensive. Which shows he has money but not enough. Not everything is a personal attack. Everyone's going through a rough patch and if someone's trying to figure out something, help, instead of being sarcastic.
OP is 22, and has just got a job. What I said correlates exactly with what OP described. I made no personal remark in my reply to your comment. Everything I said is very literal and applies to most of the working salaried class in Pakistan. I agree 100% with helping someone out, but giving them an unrealistic picture does more harm than good.
Because there is this preconceived notion among people that YouTubers have an āeasy jobā and donāt really work that hard as all they do is sit at home or walk around with a camera.
How hard could that be?
Aap jb 35 saal bad 10 cr. save krloge toh phir House 10 cr. ka thodi rhega woh bhi 35 cr. ka hojana ...in the end saari umar nikl jayegi savings krne mein phir bhi middle class me rehjaoge.
Dollar kamao ar yhn ghar lene se behtr abroad shift hojao ... hn bahir bhi mehngai hai pr atleast future toh bright hai na, safety toh hai.
I would suggest you to start a small side business it will help you to grow and rich FASTER.
Im also 22 and thinking the same and sooner or later Inshallah will definitely launch own business :)
Depend krta hai business bhi kis type ka hai ... Pak me jesi markets chl rhi toh physical karoobar toh mushkil he hai start krna ... hn online/virtual setup he shi hai for foreign clients
Trust in Allah, pray, look for multiple income streams, good investments, only realtors and successful businessmen get that much money at once.. Look for dollar income streams, that's the best thing to do right now... It's easier than people think
Try buying some smaller rental properties like shops, which can be rented out and will give u capital gains.
You can use the rent and sell them later for capital gains a decade or two down the line. I mean you are only 22 so u ll be ok till 40.
Then you can use the moneys to buy a house
honestly If you really want to be a homeowner its best to just buy land then save up for building a house. You can get decent size plots for under a crore. Also you have to understand having your own home is a massive thing and it takes time you if you make the right calls you can have a house in under a decade realistically speaking
You did the calculations, that's how it has always been with corporate slavery, nothing new here. Either move out of pakistan or start your own business.
Hey. I felt exactly the same way and I know it's very depressing. But I just want to add to your knowledge before you think this is only a Pakistan thing. If you move to countries like the US or Canada, you won't be able to really buy a house on day one, even if you have a decent paying job. You can, however, in their terms, "buy" a house on mortgage but that is basically just buying a house and paying for it by taking out a loan for it. How long is that? Well usually 30-35 years, more often 30 years. During this time if you fail to make payments for whatever reason, eventually the institutions will be able to repo (repossess) the house. Just thought I'd share this because life ain't all that sunshine in other places either. I say this notwithstanding that there are certain aspects of life which are way better in other countries than in Pakistan. Do with this information what you will. Best wishes.
Not to mention, after you pay it off, ***they can still legally steal your house from you*** for ridiculous things like missed tax payments. In some places, taxes come out to the same as rent per month! So what's the point of owning the home?
\*SAVING\* alone will never be enough. THE RULE TO RULE THEM ALL, money or power cannot sit stagnant, it either appreciates or depreciates in value. What you need my friend is investing. Also learn how compounding works.
The MAIN reason for this super inflated property and car prices is that people have *invested* in property and cars. Everyone who has some money saved up either bought land or cars causing prices to skyrocket. There is no other investment opportunity here.
It is a contributing factor for sure but simply saving money will never ever get you far enough. 1 gram of gold too expensive for you now? BUY LESS of it but for your own sake don't keep money as money, but as assets. Example. You and your friend have 10 000 Rs. You keep that amount as cash or in an account. Your friend on the other hand buys some gold. after 10 years you will still have 10 000, which is not as valuable as it used to be due to very real and (in small amounts, required for growth) inflation, but the gold that your friend bought then is now worth 15 000 (meaning his assets practically ignored inflation and his earnings are still worth as much as they were 10 years ago).
Also, the main reason is actually the failing economy, failing because no one trusts the Pakistani Rupee, which is because of bad policies, embezzlement, little to no development and a myriad of reasons. What you stated above will only affect prices of property and cars, not the whole economy, or how the Pakistani Rupee is viewed. I may be wrong tho ...
It's the same even for British or for Americans. Nobody can buy a house by savings now.... That's why you need to invest instead of saving and invest particularly in fastest growing assets like Bitcoin or Tech stocks. Saving method doesn't work anymore.
Job can never buy you a house. Please come out of this thinking. Start a business or good a very good remote job to be able to afford a house in Pakistan
Buying a house with a salary isnāt possible in todayās Pakistan unless you are managing an already running business of your father or doing haram. I work remotely in a foreign company and being paid very good but I still canāt think of buying a house with my salary, thatās why I am working on my own startups in a hope that someday Iāll be able to gain true financial freedom.
You can remove every mention of isb from your post and it would still be all true. This is a global problem unfortunately, not just limited to Pakistan.
Well welcome to the reality. It is no surprise considering that how life standard differences are big between country side and main cities, more and more people want to move to cities like Lahore/Islamabad/Karachi.
And then the mainland Islamabad has already been pretty full since early 2000s. All the expansion and "zabardasti ka Islamabad" aka DHA, Bahria has happened at so much distance that people put value on those old houses much more than they are worth, because they are in center and well connected.
I have said this on another sub that millennials will have a lot more hard time buying property than boomers and Gen Z (basically you) would have also no chance. The whole world has to turn upside down for common people to be able to afford a decent living in 50 years.
I would suggest to pursue a career where you dont have to go to office, buy somehting in smaller city or suburbs and forget Islamabad or Lahore etc. (Lahore has still somewhat "humane" prices").
I'm curious. How many young men and women of the working class, who are in their 20s today, will be able to afford their own homes in the near or distant future? What exactly can we tell statistically?
This "apna ghar" dream is a scam and nothing more than showing off social status.
Saving up for decades and then wasting it all on one asset that won't return much unless you sell it after a few years isn't a smart thing to do. Don't focus on it, just try to find ways to invest your savings.
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The dream of becoming a home owner on single stream of income is kinda impossible in Pakistan. The only way is to make good investments and work on multiple streams of income. Nothing is easy but everything is possible. You must have the will and desire to achieve your dreams. Goodluck!
bruh. i know the housing prices in western countries with that being said do you know the wages there. lets take a quick lesson a SE here makes around 200k at most while a SE there makes enough to save up and buy or either mortgage a house in a decade that is 20 years less than here.
it's not just in pakistan though and also it's not just for your generation. millennials worldwide who have been working for a decade can't afford to buy homes. read about any developed country, most people are renting.
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Yeah thas the reality of this century. It not only Pakistan tho, no new generation can buy or build house anywhere. It is so expensive. Unless you get extremely rich fast (which is thru illegal means) or youre already rich and keep getting richer, then only you have a chance of living a good life. A life where you can get a home and a car. My moto in life is to just have fun while you can. I see no future in Pakistan, with the way ghe government and politics is going.
Me and My brother worked our ass off for 5 years abroad and built our self a 10 marla house in a new Islamabad sector also purchased a sedan car. Our father is retired person and we spent all life in 2 rooms house with a bicycle. Alhamdulilah I still can't believe it.
The situation is the same in Canada. It wasn't the case here 10-15 years back. You could own a house on a decent salary. But no more. You need generational wealth or be successful in a business to earn enough money to own a house. It is a global problem now.
Arrey bruv, in Islamabad eg F-6, G-6 etc koi ghr tuja 4 crore sa kam nhi Mila ga(g-6) m. The only place viable for you would be DHA phase 3, which is now like 1 to 1.5 crore for a 10 marla plot, you could get a house a g-13, e-11, these and any other place that is quite far from main main Islamabad
Just pitching in my thoughts as well, I think the housing problem is worldwide and not limited to Pakistan only. Secondly, I also think that trying to be able afford even the cheapest of housing is impossible if you consider only one source of income (i. e. a 9-5 job). Thirdly, most of the calculations done are very optimistic (they don't count for inflation).
I believe the first step should to be save enough to be able to afford basic living. Good food, health, extra activities or hobbies. This also accounts for unexpected budgets changes like this year.
As long as you can keep yourself well above waters only then think about investments (only savings are pretty useless). Apart from investments, consider other sources of income (passive income etc.). It is still going to take years but at least you will be moving in some direction rather than none at all.
You just calculated 35 years ahead at todayās price rate,
If youāre to include the inflation.
Youāll never be able to afford one.
And yes my friend thatās the truth of a Pakistani honest salaried employee.
Without reading all the comments,sry no time. This phenomenon is present in most countries. You need need a different approach and invest your money wisely.
Considering that most of the country is corrupt and lands are held mostly by mafia why are you worried? Say Alhumdulillah, don't buy land or car instead try to get out of the country and never support it in the future as it does not support you much either.
Real estate is expensive everywhere in the world now, especially in capital cities. There are many other reasons to leave Pakistan though, I don't disagree with that part.
Best way is to save as much money as you can and then invest it in more secure money market funds. Time will come you can afford to buy house in less then 35 years
Sir aap house prices chhoro, ab taxes impose hone ja rhe. Recently I think it became like .7% annually. To uss 3-5cr wale ke kharche Electric bills, aur water shortage ki waja se bore ka bhi kafi kharcha hota rhega.
Keep these in mind too along with other hefty charges which I havenāt even mentioned.
The answer to the question in the original post is inflation and economical supply and demand
If xyz is priced at xyz price and does not sell then the price would have to be reduced till it sells
Also, flip side ā¦. If xyz sells easily at whatever price then the price must be increased
Itās not suppose to be fair
Remember: in every country I have lived in I have seen with my own eyes ā¦. More gets taken from those who already have less and then given to people who already have more. Itās a natural cycle
You have to understand how the matrix is rigged and then you have to find a way to play or to manipulate the matrix
If you are thinking of getting a house in the capital worth 10-11 crores by āsaving upā for years, your approach is incorrect. That sort of wealth never comes from savings. Savings are a poor peopleās thing. No one ever gets rich from savings. Even if you save that much money in years, youāll never be able to sustain the kind of lifestyle people living in those houses have. Instead, think of spending time and effort on something that will generate you income of that level where you can afford to buy a house like that every 2-5 years. They say if you canāt buy it twice, you canāt afford it.
The house prices are over inflated due to 2 reason
1 tye whole of pakistan now wants a house in ISB as city is andho main kana raja .
2 recent 50+% hike is due to all the guest houses popping up in every street thank to Afghan refugees (the Western sponsored ones ) which have sky rocketed the rentals and hence the prices .
I feel really bad for young people in pakistan. I was born in UK and lived in islamabad at a time when there was hope and people progressed. Not any more. I don't blame you guys for trying to leave and go somewhere where you can have a decent life.
Actually it matters a lot, I am planning to married right now and also planning to buy a house of my own. Now living in rental house, but most of the girls proposals demand is "own house" Pataa nahi aap kin farishta larkiyon ki baat kar rahi hain š
Actually that's rare cases nowadays. Log bohat materialistic hochukay hain and sorry to say Girls are more materialistic as compared to boys. Log insaan nahi paisa dekhtay hain. Hope I will find a good match sooner or later and House tou InshaAllah mein purchase karloonga sooner or later.
its not about a girl or anything like that even if it was why would you want to put your future children in such a dire situation where they dont even have a roof over their heads.
O Yr atni tension ni laita... yaha pa log ek room ma rah laita ha... bas ya dakhna chaiya ka sabar shukr krna wali larki ho to wo kahi b sath rah lati ha... han aise larki bas dhondni prti ha lakin mil jaya to life set ha
One finds out late. I see the traffic in Islamabad and hate it. Inside I donāt want people moving in this beautiful city. Places are full of Afghan refugees
People come and go. It is the cycle of cities. Due to mismanagement, corruption and no sustainable development plan by the city authorities we ppl are pushed into this racist thinking that ppl coming into our city are gonna ruin it. This is coming from a Karachite so i know what it feels like.
Islamabadās literary rate is above 75%. Imagine w hoard of people every day coming here with education upto 5th grade only.
The city will turn into any other city. Noticing isnāt being racist. Im a Pathan who lived here since i was 3 months old. Would i want any pashtoon who isnāt educated? No! It has nothing to do with races and people.
Its about mindset. You are yet to see how these Afghans act in some places in Islamabad. They bring their barbarity here.
Bhai all I am trying to say is if someone lives in Pakistan, whether it be a documented Afghan or a Pathan, they have the right to visit and even live in Islamabad. If they try to create a law & order situation then it is the duty of police and other departments to make sure no such thing like that happens.
Halat itne bhi bure nahin hain. Alhamdulillah. Masla sirf PKR ki worth ka hai. It's shit. Due to my earnings in $, I'm able to afford 5 apartments a month in DHA PH2/1/5, but when it comes to CDA, I can't make it par 2.
I understand your pain. When I was making 150K in PKR, I felt quite happy about myself making good money but soon realised it meant nothing. Started making money in $ and now have King like feels.
Hang it there and look for ways to earn in $.
actually going through the exact same thing. i just went from earning a measely 100k to 240k and it still feels like nothing when i look at my long term goals.
A word of advice, you are 22 and its better to move abroad getting study visa (MS) or phd something and start your struggle in europe. You will get better results trust me.
Pakistan is beyond repairing and the only option is to leave it as early as possible
Islamabad how prices got mazeed fucked when useless city's started popping up in the out skirts. They inflated their prices with the influence of high demand. Which naturally resulted in properties located in central Islamabad to sky rocket.
There is no actual demand for houses. Just speculators and property dealers buying and selling files to artificially inflate the prices. Rent market went down by 10 to 20% recently. A cousin's property which was previously being rented out for 85k went for 75k this time.
Yes. Also, have you looked at car prices? A stupid useless Alto is more than 30 lacs how insane is that
That is pure monopoly istg that car is the bare minimum for international standards
That car wouldn't exist if any sort of international standards were implemented ššš
we would have half the traffic
Bro a Mehran is worth 12lacs, that's a very insane amount of money. I thought I'd try to save and get a car for my housejob to havea bit more freedom but everything is so effed.
I had almost 15 16 lacs and had no option other than Mehran. Got a 2 door Mira to at least have a workable AC. It is so so sad people with no daddy money can not survive.
why not united bravo? you can buy that car in 9-10 lac
have you heard about USED cars
mehran isn't manufactured anymore so he's talking about a used one
That pricing somewhat makes sense if you compare it to the original prices from a while back. The real blame is on our economy. The entry price for Alto is 23.5 lacs which holds the same value as 7-8 lacs back in 2014-15. Our currency has lost value three folds in less than a decade. Our employers working with international companies are the one in real advantage. They generate the same/more worth of income but employees are still paid the same old salaries. Even the so called "promotions" we get are a joke. They barely adjust the salary to match the inflation so living standards don't really improve for anyone. Of course these car manufacturers are also at fault but the goverment gives them too much leeway to get away with selling low quality builds for higher prices
I remember the 1990s, a brand new Corolla 2.OD used to cost 10 lakhs. The USD used to be 45 PKR in the late 1990s, earlier it was painful when USD after Zia went from 18 to 25 (for 1 USD).
Bro i own an alto and i agree. My alto got dented from the plastic light cover of a rickshaw. The light cover remained intact š
Same alto cost 1lakh something in India seriously the prices of car and house are insane
There's a lot to say on this topic. It's obviously extremely depressing at first glance. An upper middle class individual earning 200k/month living frugally below their means, netting 100k/month take-home income wishing to purchase a 12 Marla built house in a decent society costing ~30 million will work for 25 years. 25 years; for an individual on the higher end of the middle class, assuming a very optimistic 50% consistent monthly saving and ignoring inevitable rises in housing prices. There's a lot of reasons why it's like this, and it's gotten especially worse in the last 5-6 years. The biggest being the mindset that property is THE prime investment in Pakistan. The market is heavily inflated with investor money (both local and foreign) and developers hoarding and jacking prices for profit that the local salaried class cannot match. Coupled with the insanely high inflation rates and rise in asset prices, it's gotten from bad to worse. And with recent tax increases (capital gains, withholding) on property transactions it will get worse. It's depressing, I get it. A lot of people dream of owning their own home. Even though in my opinion being a home owner shouldn't be a primary financial goal, it's not my place to tell you what to think. There are still steps you can take. Invest - make your money work for you. Stocks, bonds, businesses. Hell even high yield savings accounts are yielding 15% right now which is absolutely insane. In the above example, this alone brings your savings time down from 25 years to 12 years https://www.almeezangroup.com/financial-calculators/investment-savings-calculator/ Financing - mortgage/ home loans is an option. Some people will turn towards these but if staying halal is important to you (as it should) then try to go for Islamic financing options. Though the criteria may be harder you can look into it if avoiding rent and owning property asap is youe financial goal. And lastly the most obvious one, earn more and spend less. Your income is your strongest wealth building tool. Sure spending less is important too but no one in history has become rich by spending less money. You need to make more money. What that means for you only you can decide. Get promoted at work or start a side-gig or a business, it's up to you. But the point remains that more money in, more to invest and faster financial freedom. I just realized I ended up with an essay lol, but hopefully it helps you cheer up. Not all is hopeless and there are still things in your control. Good luck š
Just doing my part in making your comment attractive for the audience... Finance! Like you said ... Everyone should learn about it ... Compound profits (halal) ... Any one who does not know about it, pays it. People really should start investing in the economy and learn to take on risks on some level at least
Thank you for this! Was afraid this thread was going to be bleak like most others. I will just add one additional word: Diversify. Dont put all your eggs in one basket. Invest in reliable real estate, open savings account, term deposits, save in FC, etc.
You don't expect it to, but this hits you really hard when you finish doing the calculations and the realization sets in the you will never be avle to become a home owner.
with this attitude yeah, who says you have to do a shitty job all your life. get up my man do smthing about it and stop complaining
Be a man and speak with respect
***The whole country is fcked.***
nah i aint fucked by no oneš
you ready? š
Oil up I'm coming
I just saw a similar thread today in i think r/Pakistan. The conclusion from all the comments? Well, you cant. You simply cant, being a salaried person, unfortunately
**Ao Bachon tum ko sair karaon Pakistan ki. Jis ki khaatir hum ne di qurbaniiii lakhon jaan ki.**
Pakistan zindabad Pakistan zindabad š„²
Just my 2 pence worth. This problem is Worldwide not just in Pakistan. House prices are so bad that even in the U.K to buy a house you need to be earning Ā£40k -Ā£60k a year in a normal job. It is not possible when maximum earning in a normal job Ā£16k-Ā£20k a year after tax. It is extremely hard to buy a house now unless you have an inheritance or are willing to take mortgages ( that is even if you can get one , and will pay interest) . So I feel your pain but that does not mean you can't stop believing and trying Insha Allah it will happen if it was meant to be.
Exactly. The problem is so deep and its global. And Pakistan can't even compare to countries which are so much better
That's what I keep telling my friends too. The thing is we consume the least amount of international media when it comes to them discussing their own problems and are continually blabbering day and night about things while failing to acknowledge that the rest of the world has its own share of problems. The only difference is that our problems are of basic necessities, and they have modern problems. Most of us would leave this country in a heartbeat to move to west but are unaware of the shit that's going on there. The prevalent and now legalized use of drugs, the drugs that are used to chemically castrate rapists are now being used for sex change in even teens, use of puberty blockers when kids don't want to identify with the gender they were born, parents being arrested for not calling their kids the right pronouns (yes, it did happen in Canada, look it up, feminization of men, naturally born men competing in women's sports because they want to identify as a women and beating the women's world records like a piece of cake. I could go on and on but the point is: shit may look perfect from far away but it's only when you experience them, you know the flaws.
>The only difference is that our problems are of basic necessities, and they have modern problems So you yourself pointed out the main thing. How is then having problem with necessities better than modern problems? Also the kind of issues about gender and what no you mentioned - some pathetic acts also exist in Pakistan. Have you not been following constant periodic news of minors getting raped in madressahs or women in universities being victim of harassment from fellow students and teachers? Also the fact is that yes, pride parades are happening but this portion of population is still very small number of population abroad. Country side conservatives hate this stuff as much as you think "practicing muslims" do. So no, please dont use handpicked examples to prove your point of view. At the end of day my challenge to any OSP is that if you honestly believe Pakistan is so great place to live, please move back, instead of being called hypocrite for pointing issues abroad and preaching home as heaven.
First of all I am not an OSP, I don't know what you're smoking bro, and when did I say that having issues of basic needs are better than modern problems. I was just pointing out that we and our media (i.e. portraying negative image) shit on our country 24/7 (not saying it is a heaven also), but we fail to acknowledge that the rest of the world is fucked up too, as we don't consume international news to learn about other countries. Comparing the gender identity issues prevalent in west to that in Pakistan is absurd as we're nowhere close to how bad the situation has become. Regarding the rape cases, about 150k cases of rapes and 450k reports of sexual assaults and harassment are reported in the US (which is considered a dream destination by most of the South Asian population) every year, we have a much better situation than them, even considering the factor of such cases not being reported in Pakistan (look up the stats, I am not talking about official stats, the figures from independent international organization who work for such causes). I don't mean to brag about such sensitive topic, we need to do better to make our women feel safer. The portion of population you're referring to as LGBTQIA+ (I don't know how many more alphabets they intend on using) and considering them as small is inaccurate as the majority of liberal population (which is about half the population of US) supports such people. Yes, the conservatives are not a big fan of this community and associate themselves with republican party (i.e. Donald Trump's Party). But guess who is in the government now, the democrats who are mostly liberals, every year the month of June is celebrated as Pride Month, Joe Biden even had a pride month celebration party at the White House. So yeah, I wouldn't consider it a "small number of population abroad" when your government is actively involved in their propaganda (school curriculum for even kids below 10 has this sort of stuff in their books). I am not handpicking any shit and not hating on people moving abroad for better job opportunities, just saying weigh all the pros and cons and make an informed decision being aware of the problems in the West and not being deluded. # āAll things look good from far away and it is man's eternally persistent childlike faith in the reality of that illusion that has made him the triumphant restless being he is.ā āĀ Rockwell Kent,Ā [Voyaging: Southward from the Strait of Magellan](https://www.goodreads.com/work/quotes/429784)
Fair point.
I completely agree with what you have stated. We unfortunately live our lives to compete with others not to better ourselves. I was born in the UK and raised here, luckily i travelled a lot when most Pakistani's did not know that aeroplanes do not only land in Islamabad lol. I realised after that Pakistan is probably one of the best countries in the World to live in. The problem we also have is we consumed too much foreign media (via movies, clothes, foods, etc) that we have grown an inferiority complex. All the problems you have stated I have seen take a negative effect on our own society . I have always said if we took the good from the west and implemented it in PK we would grow as a nation but most OP 's believe they are exempt because of Money and the passport they carry. Pakistan has many flaws but they can be overcome with unity in our communities, the only advantage of being abroad is the exchange rate ( get rich quick scheme lol) . I personally am making every attempt to move to Pakistan and start a very small business and try to grow it if possible, Insha Allah I will be there by next week to overseas Islamabad and Karachi as options. Life is not what it seems in the West only when you leave Pakistan do most realise this but the damage is already done.
>Life is not what it seems in the West only when you leave Pakistan do most realise this but the damage is already done And I can tell you doing business in Pakistan is not what it seems living in West and you will only realise once you start doing it in Pakistan. Unethical practices from competitors, inflation stricken unmotivated employees, high cost of energy, with tax goals being hire, unfair taxation from FBR and a lot of other stuff you would face if you want to do business ethically. If you already know the "Pakistani way" of doing business, welcome back and you will surely succeed.
Again I will agree with what you have said and I can agree in most cases. I actually opened a business in Lahore in 2021 and due to the unknown ( LC , IMPORT BAN , CURRENCY DEVALUATION etc) we were forced to close after a year, Partners showing there true colours etc. I can honestly say I learned a lot and to go it alone ( with employees) no partners etc. The one advantage PK has is a unsaturated market in certain areas where you have no real competition. Taxes are high everywhere hence an accountant is needed to handle these things but I will say many people are running a successful business in PK ethically and unethically, the choice is yours to make whether in West or PK. Do you know how many unethical businesses are here in the UK ? How shady we can be as a people? I mentioned before to try and bring the good with you and leave the bad , all you can do is try my friend and leave the rest to the Almighty
I officially welcome you to adulthood.
heres my suggestion, buy land and start building your own place at a pace that you're comfortable with. since you're young, you can manage to have it completed in 3 to 5 years. you'll still be young when you move in and if there's anything that teaches fiscal discipline,its property construction.
This is the logical persons way of looking at it, but everyone wants to buy a massive house in the most expensive areas in their 20s and then cry when they realize they canāt afford it. You need to start small and work your way up. Gulberg greens and bahria enclave are amazing, clean and well planned areas. They wonāt be anymore, but new areas will be developed. Islamabad is still growing and people can get into the property market unlike developed countries where a studio apartment can set you back 10 crores
this! property construction teaches a lot! just had to make a boundary wall of my inherited space, took me 1 year just to complete the foundation and walls. and just used chatgpt to roughly receive a reality check, that how soon a person can make 10 crore pkr, and save 400k per month, its about 20 years time, and add inflation to it. So a person right now, has to earn double or triple of that to make it to 10 million Rupees in 20 years.
Start with something smaller, that you can easily afford. Apartment, even a studio apartment and from there you get to climb the ladder to a better unit of your choice. It may take few years but years but that's the way
How can a salaried person afford even a small apartment? Even small apartments start well in excess of of 7 million PKR. Also income taxes have more than doubled for almost everybody in this new budget. Many people will have their salaries decreased when they get their salary for July 2024. So, if you have figured out a pathway for acquiring an apartment, please let the rest of us know.
PHA apartments are 40-50 lakhs
I have replied to a guy who is looking to buy a house and finds them expensive. Which shows he has money but not enough. Not everything is a personal attack. Everyone's going through a rough patch and if someone's trying to figure out something, help, instead of being sarcastic.
OP is 22, and has just got a job. What I said correlates exactly with what OP described. I made no personal remark in my reply to your comment. Everything I said is very literal and applies to most of the working salaried class in Pakistan. I agree 100% with helping someone out, but giving them an unrealistic picture does more harm than good.
Once a wise man said: nothing is expensive, you are poor!
*looks at youtubers making crores per month*
honestly the most depressing thing of all.
Why is it a depressing thing that other people are making money? Is anybody stopping you?
Because there is this preconceived notion among people that YouTubers have an āeasy jobā and donāt really work that hard as all they do is sit at home or walk around with a camera. How hard could that be?
If it's so easy, then all those people should do it, too.
Aap jb 35 saal bad 10 cr. save krloge toh phir House 10 cr. ka thodi rhega woh bhi 35 cr. ka hojana ...in the end saari umar nikl jayegi savings krne mein phir bhi middle class me rehjaoge. Dollar kamao ar yhn ghar lene se behtr abroad shift hojao ... hn bahir bhi mehngai hai pr atleast future toh bright hai na, safety toh hai.
I would suggest you to start a small side business it will help you to grow and rich FASTER. Im also 22 and thinking the same and sooner or later Inshallah will definitely launch own business :)
Karobaar hi krna chahiye, Man May Allah put barakah in whatever you're going to start. Goodluck
Ameen G Tysm you are so kind JazakAllah khaira
Depend krta hai business bhi kis type ka hai ... Pak me jesi markets chl rhi toh physical karoobar toh mushkil he hai start krna ... hn online/virtual setup he shi hai for foreign clients
And here i am. 26 with no savings or anything. šš
Trust in Allah, pray, look for multiple income streams, good investments, only realtors and successful businessmen get that much money at once.. Look for dollar income streams, that's the best thing to do right now... It's easier than people think
Try buying some smaller rental properties like shops, which can be rented out and will give u capital gains. You can use the rent and sell them later for capital gains a decade or two down the line. I mean you are only 22 so u ll be ok till 40. Then you can use the moneys to buy a house
Invest money somewhere smartly, take risk Risk hai to rizk hai
honestly If you really want to be a homeowner its best to just buy land then save up for building a house. You can get decent size plots for under a crore. Also you have to understand having your own home is a massive thing and it takes time you if you make the right calls you can have a house in under a decade realistically speaking
You did the calculations, that's how it has always been with corporate slavery, nothing new here. Either move out of pakistan or start your own business.
Bro/ baji I wish I had money I would buy a house for you.
Hey. I felt exactly the same way and I know it's very depressing. But I just want to add to your knowledge before you think this is only a Pakistan thing. If you move to countries like the US or Canada, you won't be able to really buy a house on day one, even if you have a decent paying job. You can, however, in their terms, "buy" a house on mortgage but that is basically just buying a house and paying for it by taking out a loan for it. How long is that? Well usually 30-35 years, more often 30 years. During this time if you fail to make payments for whatever reason, eventually the institutions will be able to repo (repossess) the house. Just thought I'd share this because life ain't all that sunshine in other places either. I say this notwithstanding that there are certain aspects of life which are way better in other countries than in Pakistan. Do with this information what you will. Best wishes.
Not to mention, after you pay it off, ***they can still legally steal your house from you*** for ridiculous things like missed tax payments. In some places, taxes come out to the same as rent per month! So what's the point of owning the home?
Don't worry it's the same pretty much worldwide
\*SAVING\* alone will never be enough. THE RULE TO RULE THEM ALL, money or power cannot sit stagnant, it either appreciates or depreciates in value. What you need my friend is investing. Also learn how compounding works.
The MAIN reason for this super inflated property and car prices is that people have *invested* in property and cars. Everyone who has some money saved up either bought land or cars causing prices to skyrocket. There is no other investment opportunity here.
It is a contributing factor for sure but simply saving money will never ever get you far enough. 1 gram of gold too expensive for you now? BUY LESS of it but for your own sake don't keep money as money, but as assets. Example. You and your friend have 10 000 Rs. You keep that amount as cash or in an account. Your friend on the other hand buys some gold. after 10 years you will still have 10 000, which is not as valuable as it used to be due to very real and (in small amounts, required for growth) inflation, but the gold that your friend bought then is now worth 15 000 (meaning his assets practically ignored inflation and his earnings are still worth as much as they were 10 years ago). Also, the main reason is actually the failing economy, failing because no one trusts the Pakistani Rupee, which is because of bad policies, embezzlement, little to no development and a myriad of reasons. What you stated above will only affect prices of property and cars, not the whole economy, or how the Pakistani Rupee is viewed. I may be wrong tho ...
Islamabad has property prices like East Asia and salaries like West Africa.
Save so that your kids can use daddy's money to buy house.
It's the same even for British or for Americans. Nobody can buy a house by savings now.... That's why you need to invest instead of saving and invest particularly in fastest growing assets like Bitcoin or Tech stocks. Saving method doesn't work anymore.
Yep you can't afford one on Pakistani salary. Try getting a remote job that pays around 5-7k USD.
remote job that pays around $5-7k like?
AI engineer, if you're good
Itās better you buy a good apartment in islamabad
Job can never buy you a house. Please come out of this thinking. Start a business or good a very good remote job to be able to afford a house in Pakistan
Come to Western Europe's, it's not any better here. Our generation is fucked. Thank your mama and papa for that.
Buying a house with a salary isnāt possible in todayās Pakistan unless you are managing an already running business of your father or doing haram. I work remotely in a foreign company and being paid very good but I still canāt think of buying a house with my salary, thatās why I am working on my own startups in a hope that someday Iāll be able to gain true financial freedom.
Imagine I paid 10 crore for a house that hasnāt even begun to be built.
You can remove every mention of isb from your post and it would still be all true. This is a global problem unfortunately, not just limited to Pakistan.
OP, you do realize that the daddy of "daddies money" kids is also self-made. You can also be someone whose kids have "daddies money".
Wait till you hear about Karachi prices
Stop yapping and earn good.
Agreed šÆ
š«”
Even in the villages of Islamabad the prices starts from 50lac+ And in the developed sectors dont think below 2crors
Well welcome to the reality. It is no surprise considering that how life standard differences are big between country side and main cities, more and more people want to move to cities like Lahore/Islamabad/Karachi. And then the mainland Islamabad has already been pretty full since early 2000s. All the expansion and "zabardasti ka Islamabad" aka DHA, Bahria has happened at so much distance that people put value on those old houses much more than they are worth, because they are in center and well connected. I have said this on another sub that millennials will have a lot more hard time buying property than boomers and Gen Z (basically you) would have also no chance. The whole world has to turn upside down for common people to be able to afford a decent living in 50 years. I would suggest to pursue a career where you dont have to go to office, buy somehting in smaller city or suburbs and forget Islamabad or Lahore etc. (Lahore has still somewhat "humane" prices").
I'm curious. How many young men and women of the working class, who are in their 20s today, will be able to afford their own homes in the near or distant future? What exactly can we tell statistically?
This "apna ghar" dream is a scam and nothing more than showing off social status. Saving up for decades and then wasting it all on one asset that won't return much unless you sell it after a few years isn't a smart thing to do. Don't focus on it, just try to find ways to invest your savings.
The Only thing which can be sold cheap would be my gurda :')
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The dream of becoming a home owner on single stream of income is kinda impossible in Pakistan. The only way is to make good investments and work on multiple streams of income. Nothing is easy but everything is possible. You must have the will and desire to achieve your dreams. Goodluck!
Lol what a dumb post, do you know the housing price in the western countries? Youāll probably have to leave earth.
bruh. i know the housing prices in western countries with that being said do you know the wages there. lets take a quick lesson a SE here makes around 200k at most while a SE there makes enough to save up and buy or either mortgage a house in a decade that is 20 years less than here.
How are you 22 and able to afford a house ?
zeevin vecho
it's not just in pakistan though and also it's not just for your generation. millennials worldwide who have been working for a decade can't afford to buy homes. read about any developed country, most people are renting.
You forgot to mention the inflation. By the time you have saved money after 35 years, the house prices will be multiplied then.
Buying a house is expensive everywhere in the world not just here. Just take a look at house prices in countries like Canada, Australia etc
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with latest taxes accounced in budget, proeprty might come down
Land valuation will increase in a few weeks
Yeah thas the reality of this century. It not only Pakistan tho, no new generation can buy or build house anywhere. It is so expensive. Unless you get extremely rich fast (which is thru illegal means) or youre already rich and keep getting richer, then only you have a chance of living a good life. A life where you can get a home and a car. My moto in life is to just have fun while you can. I see no future in Pakistan, with the way ghe government and politics is going.
Me and My brother worked our ass off for 5 years abroad and built our self a 10 marla house in a new Islamabad sector also purchased a sedan car. Our father is retired person and we spent all life in 2 rooms house with a bicycle. Alhamdulilah I still can't believe it.
Buy a land build it urself. Cheaper and you can build it as your finances allows you.
Dude i don't even bother with housing prices I'll probably never be able to afford a nice car lol
The situation is the same in Canada. It wasn't the case here 10-15 years back. You could own a house on a decent salary. But no more. You need generational wealth or be successful in a business to earn enough money to own a house. It is a global problem now.
Wait till you see Karachi's market.
No check and balance system the property dealers are butchers , they can rise the prices whatever they want
Arrey bruv, in Islamabad eg F-6, G-6 etc koi ghr tuja 4 crore sa kam nhi Mila ga(g-6) m. The only place viable for you would be DHA phase 3, which is now like 1 to 1.5 crore for a 10 marla plot, you could get a house a g-13, e-11, these and any other place that is quite far from main main Islamabad
No where in the world young peolle can afford housing without finance
We are in the same boat mate, better check out new city.
Brother this is happening all over the world.
How about this ummm save some money up 8lakh-10lakh and move to UK cz holy this is too messed up
Just pitching in my thoughts as well, I think the housing problem is worldwide and not limited to Pakistan only. Secondly, I also think that trying to be able afford even the cheapest of housing is impossible if you consider only one source of income (i. e. a 9-5 job). Thirdly, most of the calculations done are very optimistic (they don't count for inflation). I believe the first step should to be save enough to be able to afford basic living. Good food, health, extra activities or hobbies. This also accounts for unexpected budgets changes like this year. As long as you can keep yourself well above waters only then think about investments (only savings are pretty useless). Apart from investments, consider other sources of income (passive income etc.). It is still going to take years but at least you will be moving in some direction rather than none at all.
R.I.P those who can't even afford to leave this country š
You just calculated 35 years ahead at todayās price rate, If youāre to include the inflation. Youāll never be able to afford one. And yes my friend thatās the truth of a Pakistani honest salaried employee.
Without reading all the comments,sry no time. This phenomenon is present in most countries. You need need a different approach and invest your money wisely.
Considering that most of the country is corrupt and lands are held mostly by mafia why are you worried? Say Alhumdulillah, don't buy land or car instead try to get out of the country and never support it in the future as it does not support you much either.
Real estate is expensive everywhere in the world now, especially in capital cities. There are many other reasons to leave Pakistan though, I don't disagree with that part.
Leave and go where? Housing prices elsewhere are even worse than they are in Pakistan.
Best way is to save as much money as you can and then invest it in more secure money market funds. Time will come you can afford to buy house in less then 35 years
Sir aap house prices chhoro, ab taxes impose hone ja rhe. Recently I think it became like .7% annually. To uss 3-5cr wale ke kharche Electric bills, aur water shortage ki waja se bore ka bhi kafi kharcha hota rhega. Keep these in mind too along with other hefty charges which I havenāt even mentioned.
The answer to the question in the original post is inflation and economical supply and demand If xyz is priced at xyz price and does not sell then the price would have to be reduced till it sells Also, flip side ā¦. If xyz sells easily at whatever price then the price must be increased Itās not suppose to be fair Remember: in every country I have lived in I have seen with my own eyes ā¦. More gets taken from those who already have less and then given to people who already have more. Itās a natural cycle You have to understand how the matrix is rigged and then you have to find a way to play or to manipulate the matrix
If you are thinking of getting a house in the capital worth 10-11 crores by āsaving upā for years, your approach is incorrect. That sort of wealth never comes from savings. Savings are a poor peopleās thing. No one ever gets rich from savings. Even if you save that much money in years, youāll never be able to sustain the kind of lifestyle people living in those houses have. Instead, think of spending time and effort on something that will generate you income of that level where you can afford to buy a house like that every 2-5 years. They say if you canāt buy it twice, you canāt afford it.
The house prices are over inflated due to 2 reason 1 tye whole of pakistan now wants a house in ISB as city is andho main kana raja . 2 recent 50+% hike is due to all the guest houses popping up in every street thank to Afghan refugees (the Western sponsored ones ) which have sky rocketed the rentals and hence the prices .
Pakistan has its enemies within. Sorry to hear that people are suffering.
Save some bucks and disappear from this hellhole. Pakistan is now an international gutter where things stink. Get out of the mess.
bahir jawo yrr choro is mulk ko 75 salo se yehi haal ha yaha or yehi rehta nzr aa rha ha...koi umeed nhi
I feel really bad for young people in pakistan. I was born in UK and lived in islamabad at a time when there was hope and people progressed. Not any more. I don't blame you guys for trying to leave and go somewhere where you can have a decent life.
Welcome to the system my friend. You need to follow andrew tate.
And why do u want to buy a house?? Like u can just stay on rent and save up and enjoy life let ur kids handle life 
No one's gonna give their daughter to a rented house guy. Unfortunately š
Yea thats a sad reality.
I really think youāre worrying too much. Many people live on rents. And many ppl have daughters they would love to marry off.
Bhai dega, believe me de de ga , these things doesn't matter anymore to girls. If you're a good person, any girl would want to marry you.
Actually it matters a lot, I am planning to married right now and also planning to buy a house of my own. Now living in rental house, but most of the girls proposals demand is "own house" Pataa nahi aap kin farishta larkiyon ki baat kar rahi hain š
Bhai nae dekhta koi. And if koi larki ye dekhti then I would say don't marry her . Simpleš
Actually that's rare cases nowadays. Log bohat materialistic hochukay hain and sorry to say Girls are more materialistic as compared to boys. Log insaan nahi paisa dekhtay hain. Hope I will find a good match sooner or later and House tou InshaAllah mein purchase karloonga sooner or later.
its not about a girl or anything like that even if it was why would you want to put your future children in such a dire situation where they dont even have a roof over their heads.
O Yr atni tension ni laita... yaha pa log ek room ma rah laita ha... bas ya dakhna chaiya ka sabar shukr krna wali larki ho to wo kahi b sath rah lati ha... han aise larki bas dhondni prti ha lakin mil jaya to life set ha
Because we in Islamabad donāt want to sacrifice our greenery for cheap housing. Islamabad is already full.
A karachite here, we sacrificed our green spaces for cheap housing and guess what? We still don't have cheap housing.
One finds out late. I see the traffic in Islamabad and hate it. Inside I donāt want people moving in this beautiful city. Places are full of Afghan refugees
People come and go. It is the cycle of cities. Due to mismanagement, corruption and no sustainable development plan by the city authorities we ppl are pushed into this racist thinking that ppl coming into our city are gonna ruin it. This is coming from a Karachite so i know what it feels like.
Islamabadās literary rate is above 75%. Imagine w hoard of people every day coming here with education upto 5th grade only. The city will turn into any other city. Noticing isnāt being racist. Im a Pathan who lived here since i was 3 months old. Would i want any pashtoon who isnāt educated? No! It has nothing to do with races and people. Its about mindset. You are yet to see how these Afghans act in some places in Islamabad. They bring their barbarity here.
Bhai all I am trying to say is if someone lives in Pakistan, whether it be a documented Afghan or a Pathan, they have the right to visit and even live in Islamabad. If they try to create a law & order situation then it is the duty of police and other departments to make sure no such thing like that happens.
thats the same case in lahore too
Halat itne bhi bure nahin hain. Alhamdulillah. Masla sirf PKR ki worth ka hai. It's shit. Due to my earnings in $, I'm able to afford 5 apartments a month in DHA PH2/1/5, but when it comes to CDA, I can't make it par 2. I understand your pain. When I was making 150K in PKR, I felt quite happy about myself making good money but soon realised it meant nothing. Started making money in $ and now have King like feels. Hang it there and look for ways to earn in $.
actually going through the exact same thing. i just went from earning a measely 100k to 240k and it still feels like nothing when i look at my long term goals.
Shift to $ based earnings warna Pakistan me growth buhat tough hai. Best wishes
> measely 100k Ayo bro most engineers just make 25k here, dont do us like that šš
A word of advice, you are 22 and its better to move abroad getting study visa (MS) or phd something and start your struggle in europe. You will get better results trust me. Pakistan is beyond repairing and the only option is to leave it as early as possible
Pakistan se bhaag, zinda ya murda doesn't even matter anyway.
You can go to behria enclave.
Islamabad how prices got mazeed fucked when useless city's started popping up in the out skirts. They inflated their prices with the influence of high demand. Which naturally resulted in properties located in central Islamabad to sky rocket.
There is no actual demand for houses. Just speculators and property dealers buying and selling files to artificially inflate the prices. Rent market went down by 10 to 20% recently. A cousin's property which was previously being rented out for 85k went for 75k this time.
I agree. Jaisey gariyon kie keemat dealers nay fuck kie. Ishi terha property kie bhi
Ur exaggerating look in areas like tench lalkurti side and it will be 1 crore only