Buying and owning your own home is the dream of millions of people across Pakistan. There are plenty of great benefits of buying and living in your own home. Perhaps the most important of them is the ease of mind that you get with the knowledge that you cannot be evicted by the landlord.

One of the first things you need to do to buy your own home is to identify whether owning your own home is the best thing for you. Just as you consider the benefits of any important decision in life, the same is true of buying your own home. Is it worth the investment?

If you’re currently living with your family and in-laws or renting out a property you may be considering the idea of purchasing a home in Pakistan. We have prepared a list of some of the major benefits of home ownership in Pakistan. Understanding the real benefits of buying a home in Pakistan can really help you make the right decision for purchasing your home.

Price Appreciation

Historically speaking, housing prices have grown exponentially across Pakistan. This has been more common in bigger cities like Karachi, Lahore and Islamabad due to high demand for urban living space.

Zameen Index


For example, according to the historical price trend on Zameen, the price of existing homes increased by more than 200% from 2011 to 2021. That suggest an annual growth of more than 12% annually. That is huge and much higher than the prevalent rates of inflation and interest in the country.

In terms of actual rupee values, properties prices have risen the highest in areas that saw massive growth in new home construction. Plots that were bought on average for 1 to 2 million rupees ten years ago are now worth more than 10 million on average.

The bottom line is that any investment that you make on purchasing your own home is very likely to leave you much better off, ten years from now.

Protect Your Wealth Against Inflation

In recent years, Pakistan has seen historically high rates of inflation in the country. People have seen a massive erosion of their wealth as the rupee value has plunged in relation to other commodity prices.

Many people are purchasing gold to protect the value of their wealth. Property investment is another great way to increase your wealth, while getting a roof over your head.

Invest in Your Future

Millions of people in Pakistan live from hand to mouth. They earn barely enough each month to meet their living expenses, which keeps them in a vicious cycle of poverty.

At the end of their life, most people have nothing to show for their efforts. They haven’t invested in a retirement plan, nor do they have any property to pass on to their children. Their kids inherit this misfortune and go over a similar life of struggle.

By investing in a home, you can break this cycle. You can leave something of real value for your kids so that they can live in comfort and build a better future for themselves.

Decorate Your Home the Way You Want

If you have been living on rent, you are all too familiar with the restrictions and controls that the landlord puts on you as a tenant. You can’t really decorate the house as you want, start a garden if you desire or go through with home renovation projects.

Some people like it that way, as they do not want to deal with the headache of managing home renovation. However, if you are the type who likes to personalize their home the way they want, you can only do that when you buy your own home.

Home Security

People who live on rent never feel completely secure. They can be evicted from their home by the landlord at any time. They also need to be mindful of the annual rent increases by the landlord, which keep raising their cost of living.

Many people desire the feeling of security that only home ownership can bring. When you are living in your own home, even if it is purchased on mortgage, you are fully secure that you will not be told to leave by any landlord.


In this blog, we covered some of the major benefits of buying your home in Pakistan. It can be a great investment option and also relieves you from the stress of living on rent and dealing with landlords.

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