Frequently Asked Questions

MyZameen is a digital real estate platform that allows users to buy Property Blocks in premium real estate properties from top-tier and credible developers, with a low entry cost.

A Property Block represents a specific, contract-backed co-ownership share in a property. It entitles you to receive proportionate rental /cashback (discount) income and/or capital gains depending on the property you choose.

We do not sell apartments by square foot; we make buying property simpler and more accessible through Property Blocks. Each Property Block represents your stake in a premium property, allowing you to access real estate with flexibility and confidence. Once you purchase your selected Blocks from any of the listings on our platform, if you chose built property, you will receive a Digital Allotment Certificate or a Digital Allocation Certificate, confirming your secure share in that property. For developmental properties, a Digital Allocation Certificate will serve as immutable proof of your ownership.

No, one account is sufficient. Within a single MyZameen account, you can purchase Property Blocks in multiple properties, and your complete portfolio will be visible on your dashboard.

It varies from property to property and is based on the valuation of that particular property. For example, if a property is worth PKR 10,000,000, it will be divided into 1,000 blocks, each valued at PKR 10,000.

• Minimum: 1 block (starting from PKR 10,000)
• Maximum: Up to 40% of the subject property's total value

1. Explore: Browse verified and approved properties on the MyZameen website.
2. Buy: Select your preferred property listing and purchase one or more Property Blocks (up to 40% of the property value) in your preferred listing.
3. Commitment Period: Minimum holding period of one year for built properties and 4 years for developmental properties.
4. Realise Gains: After the Commitment period, Block Owners vote on whether to sell or continue holding.
   • If the majority of the votes cast are in favour of the sale, the property will be sold and the proceeds are distributed.
   • If the majority of the votes cast are to hold the property, it continues till the next voting window.

For Built Property:

• First Window: Opens after 1 year from the date the listing of the property on the MyZameen website.
• Subsequent Windows: Open every 6 months thereafter. We will send timely reminders when a voting window is about to be opened.
• Duration: Each voting window remains open for a period of 2 weeks.

For Developmental Property:

• First Window: Opens after 4 years from the date of the listing of the property on the MyZameen website.
• Subsequent Windows: Open every 6 months thereafter. We will send timely reminders when a voting window is about to be opened.
• Duration: Each voting window remains open for a period of 2 weeks.

You will be able to participate in the sale proceeds after completing the Commitment Period and when a voting window opens.

Built Properties:

• Rental Yield: Up to 8% annually (projected estimate, may vary depending on the project).
• Capital Appreciation: Upon sale of the underlying property. May vary based on property performance and market value.

Developmental Properties:

• Cashback (Discount): Up to 12% annually (projected estimate may vary depending on the project).
• Capital Appreciation: Upon sale of the underlying property. May vary based on property performance and market value.

Top-tier properties from projects of Zameen Developments are on offer at exclusively discounted prices for MyZameen Block Owners, meaning there are no high premiums.

If you hold your Property Block and sell it later, you can earn profit/capital gains based on the market value at that time.

Top-tier properties from Zameen Developments and its subsidiaries are offered to MyZameen Block Owners at exclusive discounted prices, with no added premiums.

Zameen Developments has successfully delivered three major projects in the past two years, each providing strong capital gains to its purchasers.

All earnings and performance details are available on your MyZameen dashboard, where you can monitor your rental income or cashback (discount) and capital gains in real time.

Both Pakistani residents and overseas Pakistanis with a valid CNIC/NICOP and Pakistani bank account are eligible to purchase.

• Low capital requirement
• Access to premium real estate properties
• 100% digital and paperless process
• Fully vetted and authority-approved properties
• Full disclosure and transparent tracking, and reporting of all your gains.

Each purchase on MyZameen is secured through a legally binding agreement defining the rights of both parties. Before listing any property, MyZameen conducts due diligence, third-party valuation, and developer compliance checks.

Every Block Owner obtains a legally recognised right in the property through the agreement with the developer. Each Block Owner also receives a Digital Allotment Certificate with a Transaction Number, serving as verifiable proof of ownership.

All properties are developed and managed by Zameen Developments, from construction to handover and property management.

You will receive a Digital Allotment Certificate (for built properties) and a Digital Allocation Certificate (for developmental properties) confirming your ownership of the purchased Property Block(s).

MyZameen currently offers properties in Lahore, Islamabad, Rawalpindi, and Multan.

• Residential
• Commercial
• Corporate Offices and Mixed-Use Developments

Yes, all projects in which the properties are being offered are approved by relevant authorities such as LDA, DHA, CBD, EPA, TMA, WASA, and others.

You need to purchase at least 1 block to activate your refer & earn. You get a unique referral link which you can share with your network & start earning.

Your referrals are split into 3 tiers.

• 1st Tier: People you refer directly. When they invest you get 1.38% (Unlimited)
• 2nd Tier: People referred by your 1st tier people. When they invest you get 0.92% (1 referral per person)
• 3rd Tier: People referred by your 2nd tier people. When they invest you get 0.45% (1 referral per person)

Total 2.75% across 3 tiers

Please visit the refer & earn page to understand this if you have any confusion

Instantly. The moment a block is sold anywhere in your network, the reward lands in your MyZameen wallet. No holding period, no processing delay, no approval needed.

Once your wallet crosses PKR 100, you can withdraw anytime. Alternatively, you can reinvest that amount directly into buying more blocks — growing both your property portfolio and your referral earning potential.

📧 Email: info@myzameen.com

🌐 Website: www.myzameen.com

Three advance taxes apply under the Income Tax Ordinance, 2001 — on Purchase (Section 236K), on Rental Income (Section 155), and on Sale (Section 236C).

The purchase tax under Section 236K is calculated on the DC (FBR-notified) value of the property, not the block price. This value is typically much lower than the actual market price, which is why the effective tax per block works out to a very nominal amount.

Since FBR values differ from property to property, the exact tax per block varies slightly as well. For reference, on a Rs. 10,000 block:

This will vary slightly for other properties depending on their respective FBR valuation, but remains a nominal amount in all cases.

Rental income is taxable, but only deducted automatically if your tenant is a registered withholding agent. If they're not, no deduction happens upfront — though you'll still need to declare it in your annual tax return.

Cashback is not taxable. It's treated as a purchase incentive, not income, so no tax applies to it at all.

For individual investors, tax only kicks in once your total annual rental income exceeds Rs. 300,000 (Rs. 25,000/month). Below this threshold, no tax is deducted.

Once you cross Rs. 25,000/month, here is what you actually pay:

The sale tax under Section 236C is calculated on the actual sale value of the property at the time of exit, allocated proportionately across all blocks. Rates are: