Happy Independence Day 2013 - Safari Villas Bahria Town Lahore Photographs

کیا انشورنس جائز ہے؟ (ایک نقطۂ نظر) ۔ INSURANCE AND ISLAM

جوں جوں معاشی تقاضے بڑھتے جاتے ہیں‘ اس قسم کے استفسارات کی تعداد میں بھی اضافہ ہوتا جاتا ہے کہ بینک کا سود جائز ہے یا ناجائز ‘ زمین بٹائی پر دی جا سکتی ہے یا نہیں‘ روپیہ لگا کر منافع میں حصہ دار بننا کیسا ہے ‘ پراویڈنٹ فنڈ کا منافع لیا جا سکتا ہے یا نہیں‘ انشورنس جائز ہے یا نہیں !!!۔

بات بینک کے سود‘ مضاربت‘ مزارعت‘ انشورنس وغیرہ کی نہیں۔ اصل بات یہ ہے کہ ہمارا موجودہ معاشی نظام ہی غیر قرآنی ہے اور ہم چاہتے یہ ہیں کہ کسی طرح اس غیر اسلامی نظام میں ’’اسلام‘‘ کا پیوند لگا کر اپنے آپ کو مطمئن کر لیں۔ یہ اطمینان فریب نفس سے زیادہ کچھ نہیں۔ کوئی غیر اسلامی نظام‘ پیوند سازی سے اسلامی نہیں بن سکتا۔ لہٰذا‘ غیر اسلامی نظامِ معیشت کو علیٰ حالہٖ رکھتے ہوئے‘ اس قسم کی بحثیں کچھ فائدہ نہیں دے سکتیں۔ اگر قرآن کا معاشی نظام قائم ہوجائے تو اس میں‘ ان میں سے کوئی سوال بھی پیدا نہیں ہوگا۔ آج ان سوالات کی نوعیت اسی قسم کی سمجھئے جیسے(مثلاً) ایک کمیونسٹ ‘ نظامِ سرمایہ داری کے تحت زندگی بسر کرتے ہوئے پوچھے کہ میں ذاتی جائیداد بنا سکتا ہوں یا نہیں؟

 اب انشورنس کو لیجئے۔ اس کی ضرورت اس لئے پڑتی ہے کہ ایک شخص سوچتا ہے کہ اگر کل کو اس پر کوئی حادثہ گزر جائے تو اس کا (یا اس کی موت کے بعد‘ اس کے بچوں کا) کیا بنے گا؟ قرآن کے معاشی نظام میں کسی شخص کو اس قسم کا خطرہ لا حق ہو ہی نہیں سکتا۔ اس نظام میں ہر ذی حیات کے سامانِ زیست (بنیادی ضروریاتِ زندگی) بہم پہنچانے کی ذمہ داری مملکت پر ہوتی ہے‘ اس لئے اگر کوئی شخص کسی وجہ سے کام کرنے سے معذور ہوجائے تو اسے اس کی فکر ہی نہیں ہو گی کہ وہ کھائے گا کہاں سے یا اگر وہ وفات پا جائے تو اس کے بچوں کا کیا بنے گا۔ لہٰذا‘ اس نظام میں انشورنس کی نہ ضرورت لاحق ہوتی ہے‘ نہ ہی اس کے جائز اور ناجائز ہونے کا سوال پید اہوتا ہے۔ اس میں ہر فرد اپنے اور اپنے بیوی بچوں کے مستقبل کے متعلق ہر طرح سے اَشورڈ  ہوتا ہے۔

لیکن آج (غیر اسلامی نظامِ معیشت میں) صورت یہ ہے کہ اگر کوئی فردِ کاسب (کمائی کرنے والا انسان)‘ کسی وجہ سے کام کاج کرنے سے معذور ہوجاتا ہے‘ یا اس کی موت ایسے حالات میں ہوجاتی ہے کہ اس کے پاس اثاثہ کوئی نہیں ہوتا‘ تو وہ خود اور اس کے بیوی بچے نانِ شبینہ تک کے محتاج ہوجاتے ہیں اور ان بیچاروں کا کوئی پرسانِ حال نہیں ہوتا۔ غیر قرآنی نظامِ معیشت(یعنی نظامِ سرمایہ داری) میں اس صورتِ حال سے بچنے کے لئے انشورنس کی اسکیم رائج کی گئی۔ اس سے‘ بہرحال‘ اس قسم کے واقعات میں‘ زندگی کے دن بسر کرنے کے لئے ایک سہارا مل جاتا ہے۔ اندریں حالات ‘ موجودہ نظام میں‘ اس اسکیم کو غنیمت سمجھنا چاہئے لیکن

!شیخ کہتا ہے کہ ہے یہ بھی حرام اے ساقی

یعنی ہمارے مذہبی پیشوا بجائے اس کے کہ موجودہ نظام کو حرام قرار دیں‘ اس کے اندر اس قسم کی سہولتوں کو حرام قرار دے دیتے ہیں۔ اور جب پوچھا جائے کہ صاحب! اگر یہ شخض انشورنس نہ کرائے اور کل کو اس پر اس قسم کا حادثہ گزر جائے تو اس کا اور اس کے بال بچوں کا کیا بنے گا‘ تو کہہ دیتے ہیں کہ یہ بتانا ہمارا کام نہیں ۔ ہمارا کام تو شریعت کا حکم بتانا ہے۔
یہی سوال قرآن کریم نے بھی اٹھایا تھا جب کہا تھا کہ

أَيَوَدُّ أَحَدُكُمْ أَن تَكُونَ لَهُ جَنَّةٌ مِّن نَّخِيلٍ وَأَعْنَابٍ تَجْرِي مِن تَحْتِهَا الْأَنْهَارُ لَهُ فِيهَا مِن كُلِّ الثَّمَرَاتِ وَأَصَابَهُ الْكِبَرُ وَلَهُ ذُرِّيَّةٌ ضُعَفَاءُ فَأَصَابَهَا إِعْصَارٌ فِيهِ نَارٌ فَاحْتَرَقَتْ كَذَٰلِكَ يُبَيِّنُ اللَّهُ لَكُمُ الْآيَاتِ لَعَلَّكُمْ تَتَفَكَّرُونَ 2:266 

کیا تم میں سے کوئی شخص بھی یہ چاہے گا کہ 

(1) اس کے پاس کھجوروں اور انگوروں کا سرسبز شاداب باغ ہو جس میں پھل بکثرت آئیں۔

(2) وہ بوڑھا ہوجائے اور اس کے چھوٹے چھوٹے بچے ہوں۔

(3) کہ ایسے میں ایسی بادِ سموم چلے کہ اس باغ کو جلا کر راکھ کا ڈھیر بنا دے (اور اس طرح وہ پورے کا پورا کنبہ سامانِ زیست سے محروم رہ جائے)۔

(4) کیا تم میں سے کوئی بھی چاہے گا کہ اس کی ایسی حالت ہو جائے؟
اگر ایسا نہیں چاہتے تو پھر فکر وتدبر کی رو سے دیکھو کہ وہ کونسا قدم اٹھایا جائے جس میں ایسی صورت پیدا نہ ہو۔

ظاہر ہے کہ دنیا میں کوئی شخص بھی ایسا نہیں چاہے گا۔ قرآن نے اس کا اعترا ف کرانے کے بعد (کہ ان میں سے کوئی بھی ایسا نہیں چاہے گا) کہا کہ پھر تم ایسی آفت سے بچنے کا انتظام کیوں نہیں کرتے! اور وہ انتظام یہ ہے کہ تم قرآن کا تجویز کردہ معاشی نظام اپنے ہاں رائج کر لو۔ اس نظام میں کبھی ایسی شکل پیدا نہیں ہوگی۔

قرآنِ کریم نے اس کا یہ حل بتایا اوررسول اللہ صلی اللہ علیہ وسلم نے ایسا نظام قائم کرکے دکھایا کہ یہی ان مشکلات کا قرار واقعی حل ہے۔

وہ نظام باقی نہ رہا اور دنیا میں نظامِ سرمایہ داری کا چلن عام ہو گیا۔ اس نظام میں بھی وہی سوال سامنے آیا جسے قرآن سامنے لایاتھا۔ اس نظام کے حاملین نے اس کا حل انشورنس کی صورت میں تجویز کیا۔ اس میں شبہ نہیں کہ یہ حل ویسا نہیں جیسا قرآنِ کریم نے تجویز کیا تھا‘ لیکن موجودہ غلط نظام میں یہ حل‘ جب تک قرآنی حل ممکن نہ ہو بہرحال غنیمت ہے اور دنیا اس سے فائدہ اٹھا رہی ہے۔ لیکن ہماری حالت یہ ہے کہ ہم اپنے ہاں قرآنی حل رائج نہیں کرتے اور دنیا نے جو حل تجویز کیا ہے‘ اسے اپنے اوپر حرام قرار دے لیتے ہیں۔ نتیجہ اس کا ظاہر ہے۔

قرآن نے (مندرہ بالا آیت میں) کہا تھا کہ تم سوچو کہ تمہیں کیا انتظام کرنا چاہیے، جس سے ایسی صورت پیدا نہ ہو سکے۔ لیکن ہمارے ہاں شریعت کے معاملہ میں سوچنے کو حرام قرار دے دیا گیا ہے۔

انشورنس کو ناجائز قرار دینے والے حضرات کی طرف سے دو دلائل پیش کئے جاتے ہیں ۔ ایک یہ کہ یہ چیز ’’توکل علی اللہ‘‘ کے خلاف ہے اور دوسرے یہ کہ اس میں سود شامل ہوتا ہے۔

جہاں تک ’’توکل علی اللہ‘‘ کا تعلق ہے‘ ہمارے یہ محترم بھائی توکل کا ایسا مفہوم پیش کرتے ہیں کہ جس سے یہ قوم اپاہجوں اور مفلوجوں کا گروہ بن کر رہ گئی ہے۔ ان کے پیش کردہ توکل علی اللہ کے مفہوم کی تردید تو روزمرہ کے واقعات کررہے ہیں۔ اگر توکل علی اللہ سے مراد یہ ہے کہ تم اپنے لئے کوئی حفاظتی تدبیر نہ کرو‘ کیونکہ رزق کی ذمہ داری اللہ نے اپنے اوپر لے رکھی ہے‘ تو یہ جو اس وقت دنیا کی اِتنی زیادہ آبادی رات کو بھوکی سوتی ہے اور ایک ایک قحط میں لاکھوں انسان بھوک سے مرجاتے ہیں یا فردِ کاسب (کمائی کرنے والے انسان) کی موت کے بعد‘ اس کے بیوی بچوں پر فاقے آنے شروع ہوجاتے ہیں ‘ تو اس وقت اللہ تعالیٰ کی یہ ذمہ داری کہاں چلی جاتی ہے؟

توکل علی اللہ کے معنی ہیں اللہ تعالیٰ کے تجویز کردہ نظام کی محکمیت پر پورا پورا اِعتماد ۔۔ یہ بھروسہ کہ اس نظام میں کبھی ایسا نہیں ہو سکتا کہ کوئی ذی حیات بھوکا رہ جائے۔ یہ اسی نظام کی محکمیت تھی جس کے پیش نظر حدیثِ مبارکہ ہےکہ رسول اللہ صلی اللہ علیہ وسلم نے فرمایا

اگر کسی بستی میں کوئی ایک فرد بھی رات کو بھوکا سوجائے تو اس بستی سے اللہ تعالیٰ کی حفاظت کی ذمہ داری ختم ہوجاتی ہے۔

یا جس ’’ذمہ داری‘‘ کی حضرت عمرؓ نے ان الفاظ میں تشریح کی تھی کہ

اگر دجلہ کے کنارے کوئی کتا بھی بھوک سے مرجائے تو بخدا عمرؓ سے ا س کی بھی باز پرس ہو گی۔

یہ تھا وہ نظام جس پر کامل بھروسہ کو ’’توکل علی اللہ‘‘ کہا گیا تھا۔

باقی رہا سود کا معاملہ ۔۔۔ اِس ضمن میں عرض ہے کہ ’’کارِ خیر‘‘ یا مسجد مدرسہ کی تمیر وغیرہ کے لئے جس قدر عطیات دئے اور لئے جاتے ہیں، اُس کے متعلق کبھی کسی نے غور کیا ہے کہ اس میں کس قدر حصہ سود کا ہوتا ہے؟ سود‘ موجودہ نظامِ سرمایہ داری کا خونِ رگِ حیات ہے۔ اس سے (اس نظام میں زندگی بسر کرنے والوں سے ) کس کو مفر ہو سکتا ہے؟

جو کچھ اوپرکہا گیا ہے اس کا ماحصل یہ ہے کہ موجودہ نظامِ معیشت سراسر غیر اسلامی ہے اور سود‘ انشورنس وغیرہ قسم کی اسکیمیں اس نظام کا لازمی جزو ہیں اور یقیناً غیراِسلامی۔ لہٰذا‘ جب تک ہم اس نظام کو گوارا کئے ہوئے ہیں‘ ہمیں اس شجرہ الذقوم کے برگ وبار کو بھی گوارا کرنا ہو گا۔

اور اگر ہم انہیں گوار نہیں کر سکتے اور رزقِ حلال کے متمنی ہیں تو اس کا علاج اس کے سوا کچھ نہیں کہ ہم موجودہ غیر قرآنی نظام کی جگہ ‘ قرآنی نظامِ معیشت رائج کریں۔ لیکن اگر ہماری روش یہی رہی کہ موجودہ نظام سرمایہ داری کو توعین مطابقِ اسلام قرار دیتے (یا سمجھتے) رہے اور اس کے برگ وبار کو حرام‘ تو یہ فریبِ نفس ہے جس سے عملی مشکلات کا حل نہیں مل سکتا۔ (ماخوذ)۔

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Bahria Town invites PM Task Force to its power system

ISLAMABAD: The Bahria Town has invited the Prime Minister Task Force on Power to visit its towns in Rawalpindi, Islamabad and Lahore to review and evaluate in detail its grid stations and power generators constructed to produce its own electricity.

The prime minister had constituted a task force to end or reduce power crisis in the country. The Bahria Town spokesperson welcomed this task force and invited it to first visit their power generation system.

The Bahria Town has constructed its own power generators of 12MW in Rawalpindi and 9MW in Lahore to ensure 24-hour power supply to its residents. The cost of these power generators comes at Rs28 per unit however the Bahria Town was charging only Rs10 per unit from its customers including hospitals, educational institutions and houses and is bearing all losses in this regard by its own.The residents of Bahria Town have appreciated this facility and urged all other societies to follow the suit. While generation electricity by its own the Bahria Town is also saving 43 percent losses including 30 percent line losses, 10 percent maintenance cost and 3 percent billing recovery expenses.It is suggested that by following the Bahria Town system not only the loadshedding can be controlled but 100 percent billing recovery also can be achieved.

Courtesy: The News

 

People shift money from banks to real estate to dodge FBR

As Lahore offers what real estate buyers find a safe and secure investment avenue, largely due to a stable law and order situation, plot prices are touching the sky in some areas, increasing by a whopping Rs4 million in just a month.

People are increasingly pouring money into real estate leading to a sharp rise in prices following the access granted to the Federal Board of Revenue to bank accounts of depositors to search for potential taxpayers, market people say.

Land prices in the provincial capital have been on the rise for years. Previously, the price increase was much steady, but for the last one month, prices have gone up at an abnormally high pace.

Defence Housing Authority (DHA) is once again leading the surge followed by Bahria Town.

This comes despite the fact that DHA Islamabad is facing a case in the Supreme Court and the order of freezing its accounts has created uncertainty among investors in the city, causing a fall in land prices there.

The case has not disturbed land prices in DHA Lahore and investors are continuing to buy real estate in different sectors of the society.

According to market people, the price of a plot of one kanal in DHA Phase 5 ranges between Rs16 and Rs26 million, an increase of Rs4 million compared with prices a month ago when they stood at Rs12 to Rs22.5 million. In some cases, however, land owners are demanding more than Rs26 million.

In Phase 6, the price of a one-kanal plot ranged between Rs9.5 and Rs15.5 million a month ago and now stands between Rs11 and Rs18.5 million, an increase of Rs1.5 to Rs3 million.

In Phase 7, average increase in plot prices is between Rs1 and Rs2 million as the price of a one-kanal plot stands between Rs7.5 and Rs13 million. Previously, prices were between Rs6.6 and Rs11 million.

“The major reason for the increase in real estate prices this time around is the decision of the government to allow the FBR to check bank accounts of the rich. Following this, people are shifting their priorities and purchasing land in Lahore, preferably in DHA,” said Mian Talat, CEO of Talat Enterprises, a real estate agency.

The easing of monetary policy, in which the State Bank cut the discount rate by 50 basis points to 9% in June, also played some role in encouraging investment, he said.

Despite the abnormally high prices, Talat is certain that the market will not crash in the near future. “The reason is the same, better law and order situation and infrastructure facilities than the rest of the country. Prices all over Lahore rise but not as much as in DHA,” he added.

The other society that has benefitted from the real estate boom is Bahria Town Lahore.

Prices of a one-kanal plot here have increased by Rs3 to Rs3.5 million in one month as they are in the range of Rs11 to Rs16 million compared to Rs8 to Rs12.5 million earlier.

The price increase in other parts of the city is comparatively lower. In Johar Town, price of a one-kanal plot is between Rs7 and Rs30 million, depending on the location. Very few blocks in the area saw the price hike in the past one month with the highest increase of around Rs1 to Rs1.5 million. The trend was similar in an adjacent society.

“Real estate is a safe haven for investors and we hope that this trend will continue,” said Ijaz Ahmad, a real estate expert.

“In the last two weeks of Ramazan, many overseas Pakistanis come back home to celebrate Eid with their families. This is the peak time when majority of them buy plots in different societies for investment purpose,” Ahmad added.

(Courtesy: The Express Tribune, July 28^th, 2013. By Shahram Haq)

Bahria Town Lahore Sector F - It Seems A Safe And Good Investment

I am receiving emails and queries about Bahria Town Sector F. Friends want to know whether it is approved by DHA or not. What is its legal status. Whether it is a safe and good investment or not. I am sharing my views about all these quires. Almost all the information is already available in my blog posts so it is better to go through following links for understanding the matter more clearly. I am reproducing the links in case you could not manage to find these posts:

1. The Legality Issue of Bahria Town Lahore – FAQ
2. LDA verses Bahria Town – It is only a game
3. Bahria Town Lahore Sector F – Is it a good investment
4. Bahria Town Lahore Sector F – Why to pay installments

As per my information Bahria Town Lahore Sector F is NOT yet approved. Not only Sector F but also Sector D and E are also not approved by LDA and LDA is announcing all these three Sectors (D, E and F) still controversial. It is worth mentioning that despite of being unapproved, Sector D is getting populated rapidly and the rates of its plots are increasing day by day. I do not know why property dealers make people or themselves fool when they keep on saying that it is now approved by LDA. Bahria Town has not yet announced any location for its Sector F. Also its map is not yet out. Without announced location, availability of land and map how can some project get approved. Hope this makes the matter clear about the legality of Bahria Town Lahore Sector F.

Now coming to the point whether it is safe or not. As I have explained it in my above mentioned posts, Bahria Town does not much bother about approving its projects from LDA. These matters are gradually settled down in due course of time. Bahria Town Lahore’s track record shows that these hurdles does not disturb its credibility and functionality.

Previously Bahria Town Sector F was being traded on loss but from yesterdays its Own or profit jumped up to Rs.120,000/= As per my limited information Bahria Town Lahore has sufficient land for its Sector F and its development work is being carried out on full swing.

Nowadays, it is very difficult to find any 10 Marla plot in Bahria Town Lahore in Rs.31 Lac so it is a good deal if we can have one on installments. At present Sector F is the only available option.

In short, in present situation, I would recommend investment in Sector F. The rates will increase significantly if Bahria Town Lahore announces a new Sector (G) in future.

Courtesy: Bahria Deals
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Sector F Bahria Town Lahore Map Presentation and Balloting is scheduled on December 20, 2013 at Bahria Marquee, Bahria Grand Hotel, Bahria Town Lahore

Bahria Town Lahore Sector F Map and its main attractions

Lahore Real Estate has presented Sector F Bahria Town Lahore map on its discussion page.

It seems an unofficial map as official map is supposed to be launched during first week of June 2013. Bahria Town Management is planning to run the ballot of only 1000 plots. But the stakeholders are requesting for an entire ballot.

Bahria Town Sector F map would be announced with following main attractions:

1. Taj Mahal
2. Lake (in Tipu Sultan Block)

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Sector F Bahria Town Lahore Balloting and Map Presentation is scheduled on December 20, 2013 at Bahria Marquee, Bahria Grand Hotel, Bahria Town Lahore - Sector F Official Map and Master Plan

Congratulations to Bahria Town Pvt. Ltd. on winning another 5 International Award and Putting Pakistan on World Map

Asia Pacific International Property Awards 2013-14, Malaysia

Bahria Town is one of the world’s largest real estate developers and one of the key contributors to nations economy. Bahria Town is creating a world-class destination for living, business and Retail. Bahria Town is developing an iconic portfolio of innovative landmark projects in Pakistan across a range of sectors - residential, commercial, retail and leisure. Second year in a row, Bahria Town’s futuristic portfolio has once again been bestowed with the honor of 5 new accolades by the Asia Pacific International Property Awards 2013-14 held in Kuala Lumpur, Malaysia. Of the five awards won 3 were in the “5-Star” category while 2 were ranked “Highly Commended”. These prestigious awards are recognized as the highest standard of excellence throughout the global industry. Hundreds of finest real estate developers and architects gathered from across 23 countries including; China, Japan, Australia, Hong Kong, Thailand, Malaysia, Philippines, Indonesia, Taiwan, New Zealand, India and many others participated in this prestigious event, making it the biggest International Property Awards regional event in its 19 year history. Attaining these coveted awards is testimony to Bahria Town’s capability of outperforming some exceedingly strong contenders within the highly competitive Asia Pacific property arena.

Bahria Golf City Islamabad Pakistan’s branded golf resort triumphed as last year by winning two 5-Star rankings; “5-Star Best Property Single Unit” for the exquisitely designed Mediterranean styles villas billed to be Pakistan’s most prestigious address while the Sheraton Hotel was adjudged “Five Star Best New Hotel Construction & Design” for its innovative & conceptual design along with the provision of world class services and facilities. Bahria Oasis luxurious designer farmhouses on Bedian Road Lahore with subtle Mediterranean style references was ranked “Highly Commended Interior Design Show Home” for its high quality and exclusive construction and finishes. The Bahria Grand, a boutique hotel in Bahria Town was honored “5 Star - Best New Small Hotel Construction & Design”. Pakistan’s first 7-star banquet project ‘Taj banquets’ is also part of Bahria Grand. The Gold Spa & Fitness club located at the Mall of Lahore with its world class ambiance and facilities was ranked “Highly Commended Best Leisure Interior”.

Speaking on the achievement, Former Chairman Bahria Town; Mr. Malik Riaz Hussain stated “I am thankful to God Almighty and this is a great honor for the people of Pakistan that our model communities are considered above and beyond the modern neighborhoods in the developed world. Bahria Town is fueling the velocity of economic growth in Pakistan by creating jobs, building infrastructure, attracting foreign investment and creating huge demand for the construction industry. Bahria Town will God willing continue to bring international recognition to Pakistan, through the world-class futuristic projects we have in the pipeline. Billions of Dollars worth of foreign investments that will be brought to Pakistan is the largest investment in the history of the country’s private sector and will change not only the face of Pakistan’s real estate but also revive its economy”.

Bahria Town’s iconic developments were selected by a judging panel of about 70 industry professionals, whose collective knowledge of the property industry surpasses any other.

Stuart Shield, President of the International Property Awards said, "The record level of participation that we have seen this year has elevated the caliber of this competition.”
Bahria Town achievements have been making headlines across international media as well, making a name for Pakistan in the international community. CNN, Newsweek, LA Times, The National and Euro Asia Industry have all applauded the success story of Bahria Town.

Courtesy: Bahria Town

Bahria Town School Lahore, School Standard and Fee Structure and Monthly Charges of Bahria Town Lahore

Kamran Chughtai (Sahiwal)

Need to buy a house in Lahore
aoa,

I have to shift from sahiwal to lahore. please suggest an area or two that I should focus on. Obviously this investment should be from future perspective as well. My budget is 7.5 millions. I prefer to get a house bigger than 5 marlas. Schools and basic amenities should be within reach. pls help.

khalid replied on Monday, April 29, 2013 02:08 PM PST Bahria is the best

Kamran replied on Monday, April 29, 2013 03:13 PM PST aoa, thx for your reply? How about the additional monthly expenses in Bahria? Moreover, any opinion about PGSHS

Abdul Ghani replied on Monday, April 29, 2013 05:02 PM PST @Kamran. Monthly charges in BT Lahore are very reasonable & service is excellent. I have my house in Ali Block & happy with everything.

Guest replied on Monday, April 29, 2013 05:05 PM PST AOA, Additional charges for 10 marla = 1200 rup/month For (security, garbage collection, plumber services, electrition services) salam, Guest

Kamran replied on Monday, April 29, 2013 05:23 PM PST thx, electricity bill? I have heard some stories that one has to pay hefty amounts for power usage. Also how is bahria school wrt fees and standard of education. any other options ther than bharia school.

Abdul Ghani replied on Monday, April 29, 2013 06:57 PM PST There is nothing wrong with the Electricity Charges. The rates are the same as other places. I request HUSSAIN KAISRANI to advise about BT School, its fee structure & any alternative.

Curious replied on Monday, April 29, 2013 07:47 PM PST There is a very little choice of schools in Bahria so far. Kaisrani sb is the most appropriate person to answer of your queries.

Hussain Kaisrani replied on Tuesday, April 30, 2013 01:24 AM PST Many thanks dear friends to remember me. I fully agree that there is nothing wrong in Bahria Town as far as utility billing is concerned. May be many residents have no idea of new billing policy of electricity. It is already imposed by WAPDA and Bahria Town has also done the same recently. The unit rate of electricity used in peak time (5PM to 9PM) is being charged almost double than the normal time rate. Hope this information will help to save the monthly bills of electricity. Regarding Bahria Town School Lahore Friends may differ with me when I say that I am fully satisfied with the standard of school (at least up to primary level). I have seen the standard of schools in UK and Europe but found BTS far more better than those ones. The fee structure for primary school students is around Rs.6,000/= including pick and drop within Bahria Town Lahore. I do not think that we can find any reasonable school in this fee structure any where in Lahore. We do not have any option of any other school in the area. All other options which are considered better than BTS are at least are on at least 15 KM distance. The fee structure for those schools would be around Rs.18,000/= plus pick and drop expenses and arrangements. The standard of high school classes still needs special consideration. The new management (Ms Samina - The Director, Saleem Kashmiri - The Principal and Ms Alia - Vice Principal) is working very hard and I have seen significant positive difference during last one year. The latest high school result was also very good. BUT Bahria Town School is shifting its high classes to Bahria Orchard from next session. Same is the situation with the college. I have visited school building in Bahria Orchard today. This impressive purpose built school building is in finishing stage nowadays. I understand that this strategic decision (which is taken for obvious reason to divert attention to Bahria Orchard) will disturb the residents of Bahria Town.

Kamran replied on Tuesday, April 30, 2013 08:11 AM PST When does the session starts in BT school for primary level? march or sept

Kamran replied on Tuesday, April 30, 2013 08:39 AM PST Any other option rather closer to the city. H.soc close to JT and WT

Info replied on Tuesday, April 30, 2013 10:07 AM PST Lahore Grammar at Johar town is one of the best schools and schools in Pakistan are the best, in my opinion.

Mazhar replied on Tuesday, April 30, 2013 10:35 AM PST Standard of bahria school is quite poor, but there are some good schools outside and the pick and drop facility is there. I would say don't get put off by just the school standard

imran replied on Tuesday, April 30, 2013 10:55 AM PST What about bahria education and medical city Lahore? Of bahria is so good why they have failed to deliver there after 2 years as well.

Hussain Kaisrani replied on Tuesday, April 30, 2013 11:05 AM PST @ Kamran The session starts in September for which admissions are opened in July/August. When some one thinks to upgrade the schooling form Bahria Town, generally LGS at Johar Town is considered top priority. Its monthly fees is around Rs.18,000/= LGS also has its branch in EME but it is not better than Bahria Town as its a LAND MARK project of LGS. LAND MARK schools are opened for normal standards. Mr Saleem Kashmiri - The present Principal Bahria Town School Lahore has vast experience of administration. He worked forAtichson College  as a Head Master, Principal Chand Bagh School, Principal National Grammar School.

Curious replied on Tuesday, April 30, 2013 01:21 PM PST Many good schools are in Johar Town. Around dozen of schools are in C Block to Township, college road, link with A, B, C blocks of Johar Town; close to PIA, etc etc.

Hussain Kaisrani replied on Tuesday, April 30, 2013 08:01 PM PST @ Imran, Brother! it is very bad practice of (almost all) housing projects that they do not deliver as per their promise. Bahria Town is not an exception in this issue. Like you, we are also not aware when will Bahria Management start concentrating on Bahria Education and Medical City Lahore. The price will only start appreciating when there will be development witnessed in the project. I feel that Bahria Town will deliver your plots. When? I can not guess about it. Sorry!

Abdul Ghani replied on Tuesday, April 30, 2013 08:14 PM PST Shifting of High School & College Classes from BT Lahore to Bahria Orchids Is not a good idea. This decision will not only deprive the children of residents of BT from a reasonable facility at a reasonable cost but also deprive Bahria of a reasonable revenue. There is not much population in & around Bahria Orchids. Do the Bahria authorities intend to teach Furniture (Students chairs & desks without students) in the class rooms? It is not the building or furniture but the students which make a place school or college.

TANVEER AHMAD replied on Wednesday, May 1, 2013 11:42 AM PST Brothers please remain away from LAHORE GRAMMAR SCHOOL . They just teach BADMASHI to small kids . if you want good education of your kids there are so many other good options available for SCHOOLS. inside school atmosphere is just fun and the Management of LGS just promote FAHASHI AND BEHHAYI in school

Haris Khan replied on Wednesday, May 1, 2013 06:38 PM PST I was extremely worried for my kids education as we were in Saudia . Luckily my elder found admission in Cadet college HasanAbdal , now in 130 LC PMA and younger one in 2nd year in Cadet College Hasan Abdal . My house is in EME , had they been in LGS , Beacon House who knows ?

Courtesty: Lahore Real Estate

Bahria Town Lahore Sector F - Why to pay installments?

First of all I want to make it clear that I do not support Bahria Town Lahore's actions, marketing tactics and selling techniques. I like it or not, the fact is that it is very successful in these matters. I will not be discussing what Bahria Town should do (as it knows all this very well) but what Bahria does. The point is to understand the working and strategy for gaining well or at least remaining safe in our investments. For this purpose we need to put our emotions aside, and think rationally and laterally.

In general Bahria Town buys land after the launch of its project and receiving first installment. This is the main reason we are still not clear about the location of Bahria Town Lahore Sector F. Almost all of its plots were sold when the project was announced publicly. If you read terms and conditions on the back of application form which you have accepted by signing the document, it clearly shows that the amount paid is not refundable. And if you do not pay the installment in time, you will be paying mark up on per day basis which is too high. Bahria Town will apply its rules and regulations on its member but will not bother to consider concerned authorities (LDA and TMA) instructions. We should also understand that these authorities have their own plan, game and agenda. Strangely these authorities are blaming Bahria Town for the problems which are also found in their (LDA) projects.

In this situation new and panic buyers would stop paying installments. BT would cancel their plots and resell on very high rates when things are settled down. Investors would also take advantage of this situation by buying files from panic sellers on lower rates. This kind of controversy game is very useful for players and big fishes.

You may not believe it but it is a fact that Bahria Town has announced (almost in all newspapers) and sold its commercial plots in Sector F about two weeks ago. The rate of 5 Marla commercial plot was in million rupees.

In my opinion BT is not going to make the matter clear so that it and its main players can take all possible advantages of this mess. I do not agree with friends who claim that not a single person will be paying the installment. May 2013 is too far yet so wait, see and evaluate every thing (rationally) to keep yourself safe from more or huge loss.

Personally I did not recommend much the Sector F due to

1. Its high price - Rs.31 Lac for 10 Marla if you buy from dealers and Rs.32 Lac if you buy directly from Bahria Town, Lahore (What a Game!!)
2. It does not have 5 Marla or 8 Marla plots - Small investors are kept aside
3. location - Yet not clear
4. Terms and conditions (No open file option, No refund)

Few of my friends asked me to buy 10 Marla files for them. They will, surely, be paying their installments in time. We do not see any thing problematic in this situation.

You are requested to consider your circumstances and decide whatever is best for YOU.

Good Luck!

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Comments received on LRE page:

Javed replied on Sunday, March 17, 2013 01:38 PM PST Dear Mr. Kaisrani. What you advise for sectoer E investors. They are also in the same mess. But only 4 installments remaining. Should I continue paying or stop.

adeel replied on Sunday, March 17, 2013 02:29 PM PST mr. javed pay your installment,no need to worry,possession will b there soon.then you can make your home or sell ,its upto you. still you are in profit according to my views.all purchaser are in profit i know very well but still you people are confused i dont know why.please dont get panic at all.see LDA SCHEMES they are barren .look at lDA avenue 1 ,see by yourself if bahria is delivering then wts your problem,look at the infrastructure.quality of living. people who are confused can leave this game,those who are not panic like me are in this game,this is not game ,this is your property. all property rates in lahore is risisng on pia road 5 crore per canal on madar e milat raod 2 crore per kanal wapda town 85 per kanal jahar town 1 crore per canal etc etc etc if u people still think its bahria prices are high and not delievring then you can leave bahria and go for another lDA SCHEME GOD BLESS YOU PEOPLE A LOT

kawish replied on Sunday, March 17, 2013 03:32 PM PST Any idea how soon the possession for the entire sector E inducing Johar Block?

Half truth replied on Monday, March 18, 2013 09:06 AM PST Kaiserani Sb, it is too late .We been alrady trapped in dirty game of Bahria town and LDA.Look at your previous detailed post regarding Sector F,you were supporter of Sector F buying, conclusivly.My buying for Sector F was drived from your commentsand information.Please in future be care full in opinion and try to speak full truth ( not half truth).I am overseas Pakisatani and I am deeply disapponted by the situation creatred by the Bahria town ,LDA and so called property experts and dealer( nerver look beyond their own interest). Thanks--- Hopless Pak

adeel replied on Monday, March 18, 2013 01:05 PM PST mt.half truth how you are trapped.wait for 2 month .then sell your file and get rid of bahria if you want.you people don't know anything ,o and very difficult to convince at the moment ,but you will regret, mr. half truth for your peace of mind sell whatever you had bought. there are more buyer then seller,but u ll regret after some months or year. regards

Ali from KSA replied on Monday, March 18, 2013 02:52 PM PST @ Kaisrani saab, I'm expat and currently living in Saudi Arabia. I have strong doubts on your comments about 5-marla plots in sector F. As a matter of fact, I bought 5-marla file from a dealer. Please comment.

Hussain Kaisrani replied on Monday, March 18, 2013 03:20 PM PST @ Ali from KSA Thank you very much for correcting me. As "Half truth" made clear in his/her comments on my post, I am not always correct. Secondly it is also true that many a time, I can only reach to half truth. As per my information Bahria Town announced only 10 Marla and 1 Kanal plots in Sector F. But it is quite possible that 5 Marla plots were also offered. As you have first hand information and are an owner of 5 Marla file in Sector F so my information in this regard is NOT correct. Thanks.

Ahmed replied on Monday, March 18, 2013 04:26 PM PST I am an expat living in Kuwait. Recently, I visited Lahore and purchased a house in Bahria. I am not property expert but after visiting many of Lahore societies I finalized Bahria and purchased a house there. while transferring I have seen a crowd in Bahria office as plenty of people doing sale purchase in Bahria and prices going up almost every other day.

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Sector F Bahria Town Lahore Balloting and Map Presentation is scheduled on December 20, 2013 at Bahria Marquee, Bahria Grand Hotel, Bahria Town Lahore

2013 Annual Sports Day Bahria Town School Lahore (Senior Campus) - A Pictorial Report

My daughter Zarwa Arooj Qaisrani - The one and only student who got two medals (Masha Allah).