For any property value up to 50 million PKR: Bank provides 70% loan (EMI). Eligible partner developers may provide subordinated financing support (30% loan, same interest & tenor). Investor provides a refundable security deposit (30%). Monthly rental surplus after both EMIs and expenses goes to investor. At exit, both loans repaid, security deposit refunded, investor keeps appreciation + accumulated cash.
Illustrative simulation only. Returns, rental income, property appreciation, financing approval, and exit values are hypothetical estimates and not guarantees.
Fixed proportions: Bank = 70% of property value, Participating Developer = 30% (subordinated, same terms), Refundable Security Deposit = 30%.
Investment Scenario
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Investment Opportunity
Structured finance with participating developer support:
Bank provides 70% senior loan – monthly EMI.
Eligible partner developers may provide subordinated financing support (30% loan, same interest rate, same tenor, same monthly EMI).
Investor provides a refundable security deposit (30% of property value) – first‑loss buffer, returned at loan maturity.
Total financing = bank + developer = 100% of property value. Security deposit is additional collateral.
Rental income pays both EMIs and operating expenses; surplus accumulates to investor.
After 10 years, property sold, both loans repaid (or remaining balance deducted), deposit refunded. Investor receives cumulative surplus + sale equity.
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Past performance not indicative of future results. Simulated numbers are estimates.