Advertise
Search Options
Search
Ask Your Question 
Ask Now
Prop Guide

Property Guru
7340 posts
24 best
Nadeem Ahmed

Property Guru
4777 posts
18 best
Falcon

Property Guru
4699 posts
6 best
Pakistani-1

Property Guru
3031 posts
26 best
Nasir

Property Guru
2515 posts
21 best
Abdul Qayyum

Property Guru
2058 posts
4 best
Sayeein

Property Guru
1868 posts
0 best
Sheikh Abdul

Property Guru
1753 posts
16 best
Khalid Javai

Property Guru
1735 posts
0 best
Baber Rabban

Property Guru
1716 posts
16 best
Isloo

Property Guru
1529 posts
3 best
Dsa

Expert Authority
1439 posts
2 best
Syed Ibrhaim

Expert Authority
1439 posts
17 best
Imtiaz

Expert Authority
1288 posts
7 best
Arshad

Expert Authority
1189 posts
1 best
Pardesi

Expert Authority
1172 posts
8 best
Mbs

Expert Authority
1157 posts
13 best
Ht

Expert Authority
1115 posts
9 best
Irfan

Expert Authority
1112 posts
8 best
Real Estate

Expert Authority
1052 posts
3 best
Become an expert on the forum, check Forum Ranks.
Where to Buy questions and answers. All your Where to Buy questions answered by our experts and thousands of other members. Get professional Where to Buy answers to your questions. Get started by asking a new Where to Buy question now.
AKH
( 117 posts )

[16 Answers]
Dear friends,

I want a regular source of income from my investments.

Right now i have about 50-60lacs available for investment and i want to extract monthly profit of around 1%.

Can you guys suggest me any good ideas?

I am not in pakistan so i wont be able to work with this money. I would just be investing. If not 1% how much is the maximum profit i can gain?

Appreciate your response.

    354 days ago In Where to Buy
    Post Reply
    AKH
    (117 posts)
    I asked this question sometime back as well but due to some personal issues, I was not able to invest. New ideas even if not related to real estate are welcome. Thanks.
      354 days ago 

      Mohammed
      (136 posts)
      If saving certificates is not a problem then its a safe option. If above age 60 then BSC below SSC or DSC with profits range 9 to 11 % per annum. In coming days inflation is going to increase and rates will increase.

      Mutual funds is another option but many of my colleauges have taken a hit.
        354 days ago 

        Nauman
        (14 posts)
        Mohammad you have very beautiful name. Why you want to lead @AKH to haram when there are plenty of halal ways possible. May Allah guide all us to which pleases him.
          354 days ago 

          Nadeem Ahmed
          (4330 posts)
          Dear AKH,

          1:Invest in shops in CDA sectors and get reguler rent and shops prices will rise also G-13,15 and may you find something in I-8.

          2:Invest in CBR-2,B-17 G block,ICHS and i am sure prices will rise.

          3:Check apartment in Gulberg Green

          Regards
            354 days ago 

            Imtiaz
            (1282 posts)
            In my view, 1%/month, as far as property is concerned can be an ambitious demand. I am considering a continuous inflow of 1% for at-least 12 months period. In general, I am yet to see any property worth 5.0 - 6.0 million resulting in a rental yield of 50k to 60k. At max, it can be 0.5% to 0.7% at max. Of-course, I would be happy to be corrected, in case I am missing something obvious.

            Commercial property can bring better return but one must also consider the Commercial tax, increased transfer fees ,high maintenance and long term contracts. If for a period of time, commercial property is vacant the commercial utility bills, whatever will also on the owner.

            Investment is business can help you to achieve that figure. However, business context will be more fragile and unpredictable than real estate, comparatively.

            The trick is:

            - In real estate, investment doesn't get shrinked due to inflation or depreciation of PKR. So, you may get 0.5% - 0.7% at max per month but your asset worth will increase overtime (considering that there are no litigation(s) in the property/asset that you own).

            Example: As a bench mark, at a low cost CDA sector I-16 in last 8 months, the asset worth has been increased by upto 30% approx. Other trends can also be checked on Zameen.com

            - In other businesses, you may be able to easily achieve > 1.0% on monthly basis but more uncertainty and whenever USD takes a hit on the PKR, your principal amount will be devalued/shrink.

            Example: As a bench mark, typically PKR based investment have shrunk by upto 20%, i.e., PKR to USD depreciation.

            ps: I am unaware of any saving certificates and how they work and technicalities of profit calculation. However, a brotherly advice would be to stay away, due to the interest calculation factors. On paper they show some rosy pictures but at the back-end things are messed up. In addition to the religious reasons, you can also witness it from a practical point of view that Socialism, Communism or Capitalism, name whatever systems that have been based on interest-based economies have seen a collapse overtime. Their slogan can be 'Peace of Mind etc.' but once you get into it that can be big disaster, I believe.
              354 days ago 

              Abdul Qayyum
              (2029 posts)
              Dear AKH

              Buy a flat/shop and you can get sure Halal money @ 30,000 per month as minimum with 60 lacs investment.

              One day everyone has to die and and "sood" is Haram as per "Swad e Azam", among all sects of Muslims.

              Sorry if I harassed you but live with no burden on your conscience, if you mind honest accountability in life after.
                354 days ago 

                AKH
                (117 posts)
                Brothers I need to know the options. If its flat, I would like to know where exactly and the cost. Unfortnately living abroad it is very difficult to visit all options.

                @Imtiaz, thanks for such a detailed answer, so lets say its 0.7%, do you have any options in mind. The issue is that I need that amount on monthly basis. I do understand that if I purchase a piece of land the price might increase with the rate of 12% annually but I won't be getting anything on monthly basis.

                Flats can yield 0.7% profit? do we have any such option in Islamabad?
                  350 days ago 

                  Abdul Qayyum
                  (2029 posts)
                  Dear AKH

                  In Rawalpindi, there are many options in DHAs and BTs.

                  In BT phase 1-6, better options exist. An apartment will cost you Rs 55 to 60 and rent would be at least 30,000 per month.

                  Last month a shop was offered to me at 75 lacs and already rented at 45,000 in civic centre. Well that shop was an isolated case as owner wanted money in emergency.

                  My 2 cents:
                  Always buy in high value area and always rent to big boys you you will never have problem with renters.

                  In BT phase-8 good options also available. Safari homes/Villas give good return and there is NO property tax both in BT and DHA.

                  DO NOT opt for any commercial in cantt or RDA as they are murderers on taxes.
                    350 days ago 

                    Ilyas
                    (347 posts)
                    Dear AKH, Imtiaz sahib and Qayoom sahib has explained you beautifully and in ultimate manner.... Keep 0.5% in your mind not 0.7%.......



                    I would suggest you to buy plot if you can keep the ball rolling without rent...... For that purpose invest in PLOTS suggested by Nadeem sahib.....



                    If you need rent anyway, then I would suggest you shop because there are no maintenance charges etc and can enjoy rent peacefully......
                      349 days ago 

                      Nadeem Ahmed
                      (4330 posts)
                      Dear AKH,

                      Plots are always better and safe option in real estate.Last year month of Sep i purchased 10 marla plot in 400 series in sector F-1 phase-8.I paid 45 plot+ 1.5 transfer fee +45k dealer=46.95 lakh and now i have offer 53 lakh means 6 lakh profit but i will not sell because my planning to construct house in future.

                      In same amount if you purchase shop or apartment then rent will be 20 to 23k means in one year=2.4 to 2.76 lakh.

                      If you like rent in every month then go to shops in CDA sectors in this amount G-13,15 or Bahria Safari homes single story in C or F sector.Price tag is 5 to 6 million depend on condition and location rent is 22 to 30k.

                      Shops or apartments are good for those people who can not work like handicapped or retired or some overseas who always afraid to invest in plots.

                      Regards
                        349 days ago 

                        Post Answer (16 Answers)
                        1 2 >
                        Email Basket (0)
                        SEND EMAIL   REMOVE ALL