Complete 2026 Guide
Search verified listings, contact the owner directly, verify the documents, pay the token safely, and complete the transfer, with no agent commission.
Yes, you can buy property in Pakistan without an agent. You do not need a dealer to find a property, to speak to the owner, or to complete a transfer. You do need verified ownership, a written agreement and a safe payment route. The seven steps below are the whole process, in order.
Dealers commonly charge 1 to 2 percent of the sale price. On a property worth PKR 1 crore, that is PKR 1 lakh to PKR 2 lakh paid to a dealer, on top of the price you already pay. On ilaan.com, verified owner deals carry 0 percent commission, so the buyer and the seller keep the full sale price between them. That saving is the reason to buy direct, but it is not a reason to skip verification. A cheap deal on an unverified property is not a saving.
| Cost on a PKR 1 crore property | With a dealer | Direct, verified owner |
|---|---|---|
| Commission | PKR 1 lakh to PKR 2 lakh | PKR 0 |
| Who you deal with | Dealer, then owner | The owner, directly |
| Verification | Through the dealer | Owner record checked, Gold Verified sellers field verified |
Start with listings where the owner is verified, not with a dealer shortlist. Filter by city, society and size, and compare asking prices with completed sales in the same block, not with the highest asking price in the area.
Ask the owner, not an intermediary, about possession status, outstanding dues, transfer charges and the reason for selling. Note the answers in writing. If the person speaking to you is not the owner, ask who the owner is and how they are authorised to sell.
Match the seller CNIC to the name on the ownership record. Check the fard or ownership record, the registry or allotment letter, the possession certificate where it applies, and the housing society NOC and approved layout plan for your exact block.
Get the total cost in writing: price, outstanding dues, development charges and transfer fee. A quoted rate is not the total cost. Price the property against completed sales of the same size in the same block.
Put the plot, price, payment schedule and refund condition in a written agreement before any token moves. Pay through a safe route such as ilaan SafePay, which holds the payment in escrow, rather than a large cash token with no written agreement.
Have a lawyer check the sale agreement and the title chain, then complete the sale deed and the transfer with the relevant authority or society office. Keep every payment receipt, the agreement and the transfer record together.
Visit the property on handover, confirm the boundaries, meters and keys against the agreement, and confirm possession in writing. A deal is not finished when money moves, it is finished when possession is confirmed.
Check these against the authority or society record, not against a screenshot forwarded by the seller. If any one of them does not match, pause until a lawyer and the authority have answered.
| Document | What it proves |
|---|---|
| Seller CNIC | The seller is the person named on the ownership record. |
| Fard or ownership record | Who owns the property in the land record. |
| Registry or allotment letter | How ownership was granted or transferred. |
| Possession certificate | Possession has been granted, where it applies. |
| Society NOC and approved layout plan | The scheme and your exact block are approved. |
| Dues and transfer statement | No hidden dues or transfer charges after you pay. |
Overseas buyers follow the same steps, with one extra safeguard: a trusted local representative and a lawyer who verify ownership, dues and transfer requirements on the ground, and confirm possession in writing. Do not let a relative agree a price, accept an advance and hand over keys without the verification and agreement steps above. Keep every payment receipt and written agreement.
Yes. You can search listings, contact the owner directly, verify the ownership documents yourself or with a lawyer, pay the token through a safe payment route, and complete the sale deed and transfer. An agent is not a legal requirement for buying property in Pakistan.
Dealers commonly charge 1 to 2 percent of the sale price. On a property worth PKR 1 crore, that is PKR 1 lakh to PKR 2 lakh, paid to a dealer. Buying directly from a verified owner on ilaan.com means no commission on either side.
Check the seller CNIC against the ownership record, the fard or ownership record, the registry or allotment letter, the possession certificate where it applies, the housing society NOC and approved layout plan, and a written statement of outstanding dues and transfer charges.
Match the seller CNIC to the name on the ownership record, confirm the record with the relevant authority or society office, visit the plot or house yourself, and confirm possession status, dues and transfer requirements in writing before you pay any token.
It is safe when the listing is verified, the owner identity and documents are checked, and payment follows a written agreement with a safe payment route. It is not safe to pay a large cash token on the basis of photos alone, or to a person who cannot produce the ownership record.
A plot file is an entitlement to a future plot, with no plot number or possession until balloting. A possession plot is allocated, numbered land you can build on now. Files are cheaper because you carry the waiting risk, while possession plots cost more because the uncertainty is gone.
Yes. Overseas buyers can search verified listings, speak to the owner directly, and verify ownership, dues and transfer requirements through a trusted local representative and a lawyer. Never pay on the basis of photos alone, and keep every payment receipt and written agreement.
Agree the plot, price, payment schedule and refund condition in writing first, then pay through a safe route such as ilaan SafePay, which holds the payment in escrow. Never pay a large cash token with no written agreement stating what happens if verification fails.
Browse verified direct owner listings on ilaan.com and deal at zero commission.
