An insurance policies for private homes which protects them from unpredictable damages such as burglary, natural and man-made disasters.

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Absolutely! Harron’s Estate & Builders has the unique honor of being in a handful and elite class of property dealers who are genuine Bahria Town contractors.

Anyone who owns a property is required to pay a compulsory property text to their respective government body or local municipal corporation. The tax depends on the residential colony in which you own a house, the area of your house, how old your house is, occupancy and many such factors.

As many as you please, there is no such limit.

Ownership is where this difference lies. A leasehold property’s ownership lies with the local governing bodies. In a freehold property, however, the owner is at full liberty to sell/lease/rent the property as per their wish and thus is the legal owner.

Property registration is the authentication of documents relating to transfer, sale or lease of an immoveable property. Registration is compulsory by law.

The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. The lender also considers cash available for down payment and closing costs, credit history, etc. when determining your maximum loan amount.

The two don’t really compare at all. The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for housing.

Owning a home has many benefits. When you make a mortgage payment, you are building equity. And that’s an investment. Owning a home also qualifies you for tax breaks that assist you in dealing with your new financial responsibilities- like insurance, real estate taxes, and upkeep- which can be substantial. But given the freedom, stability, and security of owning your own home, they are worth it.

You can find out by asking yourself some questions:

• Do I have a steady source of income (usually a job)? Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable?
• Do I have a good record of paying my bills?
• Do I have money saved for a down payment?
• Do I have few outstanding debts, like car payments?
• Do I have the ability to pay a mortgage every month, plus additional costs?

If you can answer “yes” to these questions, you are probably ready to buy your own home.