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Navigating Pakistan’s Real Estate Transformation in 2025

Written by Junaid Hamid, Head of IQI Karachi PakistanPAKISTAN’S REAL ESTATE SECTOR IN 2025: REGULATORY REFORMS, STRATEGIC INVESTMENTS, AND MARKET EVOLUTIONThe real estate sector in Pakistan is undergoing a paradigm shift in 2025, driven by regulatory reforms, innovative investment vehicles, and evolving market dynamics.As the government prioritizes transparency and institutional participation, stakeholders are navigating a landscape defined by structured growth, technological integration, and sustainable development. This article explores the latest developments shaping the industry and their implications for investors, developers, and homeowners.Regulatory Overhaul: Strengthening Accountability and FairnessLaunch of the Real Estate Regulatory Authority (RERA)To combat fraud and streamline operations, Pakistan’s federal government has finalized plans to establish a Real Estate Regulatory Authority (RERA). Modeled on global best practices, RERA is set to introduce stringent measures to professionalize the sector:Mandatory registration for agents and developers, with penalties ranging from Rs50,000 to Rs0.5 million for non-compliance.Criminal liability, including up to three years’ imprisonment, for unregistered agents.Enhanced buyer protections, such as license cancellations for fraudulent disclosures and fines up to Rs1 million for unauthorized transactions.This framework aims to rebuild trust in real estate transactions while aligning Pakistan’s sector with international standards (GNN News, 2025).Revised Property Valuations in KarachiThe Federal Board of Revenue (FBR) has recalibrated property valuations in Karachi to reflect depreciation and market realities. Adjustments include:5% reduction in assessed values for homes aged 5–10 years.Up to 50% reduction for flats over 30 years old.This revision eases tax burdens for homeowners and incentivizes transactions in aging properties, potentially revitalizing Karachi’s mid-tier housing market.Relaxed Rules for Non-FilersIn a bid to stimulate market activity, the FBR now permits non-filers to purchase properties valued up to PKR 10 million. This policy shift aims to:Boost liquidity in the PKR 5–10 million segment.Encourage informal investors to enter the formal economy.Support developers in optimizing pricing strategies for broader buyer pools.Investment Trends: Institutionalization and DiversificationEmergence of Real Estate Investment Trusts (REITs)Pakistan’s first major REIT, launched by fashion giant Image, marks a milestone in institutionalizing real estate investments. Managed independently from Image Pakistan Ltd, the trust will offer 92 million shares at below net asset value, backed by high-value Karachi properties.Joint advisors Topline Securities and Growth Securities highlight its potential to:Attract institutional capital amid rising property prices.Provide retail investors with diversified, low-entry portfolios.Catalyze further REIT launches in urban centers.Smart and Sustainable DevelopmentsThe demand for green buildings and tech-integrated homes is surging. Developers are prioritizing:AI-driven automation (smart lighting, security).Solar energy systems and recycled construction materials.Mixed-use projects combining residential, commercial, and leisure spaces for higher yields.Luxury and Vertical ExpansionUrbanization is driving demand for high-rise luxury apartments, particularly in Karachi, Lahore, and Islamabad.Standard features in premium developments now include:Concierge servicesRooftop gardensCo-working spacesMarket Dynamics: Growth Projections and HotspotsPakistan’s real estate sector is projected to grow at 3.75% annually through 2029.Key Trends by City:Karachi: Revitalization of older neighborhoods through revised FBR valuations.Islamabad: Boom in mixed-use projects near the CPEC route.Lahore: Surge in luxury high-rises catering to returning expatriates.Conclusion: Navigating a Transformative EraPakistan’s real estate sector is transitioning from an informal, cash-driven market to a regulated, institutionalized industry.While RERA and REITs signal maturity, challenges remain, including:Balancing affordability with luxury demand.Ensuring compliance with new tax regulations.To capitalize on emerging opportunities, stakeholders must leverage data-driven insights, sustainable practices, and policy reforms. As the market evolves, collaboration between regulators, developers, and investors will be critical to achieving long-term stability and growth.FOR MORE UPDATE NEWSLATTER, CLICK HERE!

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Shifting Trends in Canada’s Housing Market

Written by Yousaf Iqbal, Head of IQI CanadaCANADA'S HOUSING MARKET – FEBRUARY 2025In February 2025, Canada's housing market showed mixed trends across regions. National home sales reached 41,118 in January, marking a 3.9% year-over-year increase but a 4.9% decline from December.New home listings surged by 11% month-over-month, the highest monthly increase since the late 1980s, excluding the pandemic period.Active listings rose by 12.7% year-over-year.The national average home price moderated to $670,064 in January, reflecting a 1% decline from December but a 1.6% increase from January 2024.The national benchmark home price stood at $709,200, showing a 0.5% month-over-month increase and a 0.2% annual increase.Greater Toronto Area (GTA)The Greater Toronto Area reported 4,037 home sales in February, down 27.4% from February 2024.New listings reached 12,066, a 5.4% increase year-over-year.The average selling price was $1,084,547, a 2.2% decline from the previous year, as high mortgage rates and economic uncertainties, including trade relations with the U.S., affected buyer confidence.QuebecQuebec’s benchmark home price hit a record $501,300 in January, surpassing $500,000 for the first time.Montreal's average home price rose 8.7% annually to $619,874.Quebec City's average price increased to $440,495, up 0.9% month-over-month and 25% annually.Ontario Rental Market TrendsOntario's average asking rent for apartments dropped 4.7% to $2,332.Toronto rents fell 7.1%, averaging $2,632, driven by:◦ Unsold condos entering the rental market.◦ Increased purpose-built rental stock.◦ Reduced demand due to new international study permit limits.Bank of Canada’s Interest Rate & Housing AffordabilityThe Bank of Canada reduced its main interest rate by half a percentage point to 3.75% in November 2024—the fourth consecutive cut—as inflation returned to the 2% target earlier than expected. Despite these cuts, the housing affordability crisis is expected to persist for years, with high home prices and weak spending power keeping mortgage costs out of reach for many. While some regions, such as Quebec, are experiencing price growth, others, particularly Toronto, are seeing declining sales and prices due to economic uncertainty and affordability challenges.Market OutlookTORONTO, ON – March 5, 2025GTA homebuyers had ample choices in February, as sales dropped 27.4% year-over-year, while new listings rose 5.4%.High mortgage rates and economic uncertainty, including U.S. trade concerns, dampened buyer confidence.TRREB expects lower borrowing costs in the coming months, which could boost affordability and sales.The average home price fell 2.2% to $1,084,547, while the MLS® HPI Composite declined 1.8% year-over-year.TRREB emphasizes the need for clear housing, trade, and economic policies to restore consumer confidence.VANCOUVER, BC – March 4, 2025Metro Vancouver’s housing market remained balanced in February, as new listings rose 10.9% year-over-year, following January’s surge.Residential sales totaled 1,827, down 11.7% from February 2024 and 28.9% below the 10-year average.The total number of homes for sale increased 32.3% to 12,744.The sales-to-active listings ratio stood at 14.8%, indicating stable prices.The MLS® benchmark price for all homes was $1,169,100, down 1.1% year-over-year.With a potential Bank of Canada rate cut ahead, market activity could shift in the coming monthsQuebecFOR MORE UPDATE NEWSLATTER, CLICK HERE!

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Looking for Career Flexibility in Malaysia? Here’s Why Real Estate Is for You 

Remember when the pandemic shocked the world in 2020 and forced companies everywhere to shift to working from home? Since then, countries like Malaysia have been rethinking what “work” should look like. The typical 9-5 job (with traffic jams, rushed lunches, and back-to-back meetings) just doesn’t appeal to the modern Malaysian lifestyle anymore. So, what’s the solution? More and more family-focused individuals and young professionals are ditching the old routine in search of better work-life balance.  And they’re actively looking for flexible, work-from-home jobs. In fact, research shows that 89% of Malaysians would rather work from home in their pyjamas, with full control over their schedules and daily routines. If you’re one of those people on the hunt for the perfect remote job but don’t know where to start, this article might just point you in the right direction. Hint: It involves real estate. Let’s Consider Real Estate JobsWhat is Real Estate Job?Real Estate Agent  Real Estate Negotiator (REN)  Property AssistantBut Can You Really Do Real Estate from Home?  What Makes Real Estate So Flexible?  But… Is It Too Good to Be True?  Who Is This Career Perfect For?  How to Get Started ? Frequently Asked Questions (FAQs)What is Real Estate Job? When people hear “real estate,” they often think of someone selling luxury homes.  But there’s more to the industry than that! Real estate offers a range of career options, especially if you’re looking for flexible or work-from-home opportunities. Real Estate Agent A real estate agent helps people buy, sell, or rent properties. They usually handle everything from finding listings to negotiating deals and guiding clients through the process.  In Malaysia, becoming a licensed real estate agent requires formal education and registration with the Board of Valuers, Appraisers, Estate Agents and Property Managers (BOVAEP).  Real Estate Negotiator (REN) This is the most popular starting point for those new to the industry. Real Estate Negotiator or RENs work under a licensed real estate agency and assist in renting or selling properties.The best part? No degree required.  This path takes longer but can open doors to becoming a registered agency owner. Just attend a 2-day certification course (Negotiator Certification Course – NCC). Once certified, you’ll get a REN tag and can legally start working.  Property AssistantA Property Assistant supports property managers, real estate agents, or agencies by handling administrative and operational tasks.  They play a key role in keeping everything organized and running smoothly.Property assistants don’t need the same level of certification as agents, but they often have excellent organizational skills and a good understanding of the real estate industry.But Can You Really Do Real Estate from Home? The short answer? Yes! Real estate is more remote-friendly than most people think. While you’ll still need to head out occasionally for property viewings or client meet-ups, a huge chunk of the work can be done from your laptop or phone. From home, you can: ✅ Call and follow up with leads. ✅ Create marketing content for listings. ✅ Set up virtual property tours.  ✅ Manage social media and ads.  ✅ Negotiate deals via phone or Zoom.  What Makes Real Estate So Flexible? Here’s a breakdown of what gives real estate that sweet flexibility everyone’s after: 1. Work Anywhere You can basically run your real estate business with just a phone, laptop, and a good internet connection. As most tasks don’t require a physical office, especially in today’s digital-first market. 2. Be Your Own Boss No clocking in. No manager watching your every move. As a real estate negotiator, you manage your own time, goals, and strategy.  3. High-Income Potential Here’s the juicy part: commissions. Unlike fixed-salary jobs, real estate income is based on how many deals you close.  That means your effort directly impacts your earnings. With just one successful sale or rental, you could earn more than some make in a month. 4. No Degree Required You don’t need a fancy diploma to get started. Real estate rewards hustle, personality, and consistency.  5. Malaysia's Growing MarketReal estate in Malaysia is booming, with a steady demand for both residential and commercial properties.With more development and urbanization happening across the country, this sector continues to offer long-term growth potential. 6. Various Roles to ConsiderReal estate isn’t just about buying and selling properties. There are various roles you can explore, depending on your interests and skills:Marketing Manager: Handle advertising and digital marketing for properties, boosting visibility and interest.Real Estate Agent (REA): Help buyers and sellers complete property transactions.Real Estate Negotiator (REN): Assist clients with property deals, often working under an agency.Property Assistant: Support real estate professionals with administrative tasks, client communications, and listings.But… Is It Too Good to Be True? Okay, let’s keep it real. Real estate isn’t a shortcut to easy money. Like any business, it comes with its fair share of challenges. Here’s what you’ll need to succeed: Consistency & hustle: Clients don’t just fall into your lap. You’ve got to put yourself out there. People skills: This is a people-first business. The ability to listen, communicate, and build trust is key. Patience: Deals don’t always close quickly. Sometimes, it takes weeks (or even months) to see results. Self-discipline: With no one managing your hours, staying focused and productive is all on you. Who Is This Career Perfect For? Still wondering if real estate fits your lifestyle? Here’s who often thrives in this space: Stay-at-Home Parents Want to be around for your kids and contribute financially? Real estate lets you schedule work around family time, without sacrificing income potential. Young Professionals Tired of being chained to a desk? Real estate offers freedom, variety, and the ability to grow fast if you’re ambitious and driven. Retirees or Career Changers It’s never too late for a new chapter. Many retirees and career switchers find new energy and income in the property game. Side Hustlers Already have a business or job? Real estate can be a profitable side hustle. Work weekends or evening. It’s up to you! How to Get Started? Ready to give it a shot? Here’s how to get your foot in the (virtual) door: 1. Find a Registered Real Estate Agency Join a licensed agency that offers training and mentorship. This is crucial, especially when you're new. 2. Get REN Certified You’ll need to complete a 2-day Negotiator Certification Course (NCC) approved by BOVAEP. Once done, you’ll receive your REN tag and you can work legally. 3. Start Building Your Brand Learn how to market properties, grow your network, and establish your presence online. Social media is your best friend here. 4. Keep Learning The real estate world changes fast. Stay updated with property trends, market demand, and digital marketing tools to stay competitive. If you’re looking for a work-from-home job in Malaysia that’s flexible, rewarding, and built for the digital age, real estate deserves a serious look.  It’s not an “easy” job, but it’s one that gives you control over your time, income, and future. Whether you’re juggling kids, dreaming of more freedom, or craving something new, maybe it’s time to make that property hustle your next move. Frequently Asked Questions (FAQs)1. What qualifications do I need to join Real Estate in Malaysia? You don’t need a degree to get started. You’ll need to complete a Negotiator Certification Course (NCC) and register with the Board of Valuers, Appraisers, Estate Agents, and Property Managers (BOVAEP). 2. Can I work from home as a Real Estate Agent in Malaysia? Yes! As long as you have a reliable internet connection and a laptop or phone, you can run your real estate business remotely.3. How does income work in real estate? Real estate income is primarily commission-based. The more deals you close, the more you earn.4. What is the difference between a Real Estate Agent and a Real Estate Negotiator? A Real Estate Agent is a licensed professional who works independently or runs their own agency. A Real Estate Negotiator, on the other hand, works under a licensed agency and assists in buying, selling, or renting properties.5. Is the real estate market in Malaysia growing? Yes, Malaysia’s real estate market is growing fast, with continuous demand for residential and commercial properties.Ready to ditch the 9-5 and embrace flexibility? Join IQI Global now and work together with like-minded people![hubspot portal="5699703" id="c063034a-f66d-41ab-881b-6e6a3f275c33" type="form"]Continue Reading: Looking for a New Career? Check Out These 7 Highest Paying Jobs In Malaysia!Real Estate Agent Salary in Malaysia – How Much Do They Really Make?These 5 Jobs Pay You More Than 80k A Year & Don’t Require A Four-Year Degree!

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ARUGA RESORT BY ROCKWELL: A PREMIER INVESTMENT OPPORTUNITY IN MACTAN, CEBU

Written by, Emmanuel Andrew Venturina, Head of IQI Philippines Rockwell Land Corporation, a distinguished name in the Philippine real estate sector, proudly introduces Aruga Resort by Rockwell, a luxurious retreat set amidst the pristine landscapes of Mactan, Cebu. This new project stands out for its unparalleled investment potential making it a prime opportunity for discerning investors looking to capitalize on the booming resort and residential market in the Philippines.Overview of Aruga ResortAruga Resort by Rockwell offers a harmonious blend of luxury and nature, providing residents and guests with an exquisite experience characterized by world-class amenities and breathtaking ocean views. Designed for those seeking both a getaway and a permanent residence, this resort embodies leisure and sophistication.The project features a range of accommodation options:Studio Units: 30-45 square meters, priced between $150,000 and $250,000One-Bedroom Units: 50-70 square meters, ranging from $250,000 to $400,000Two-Bedroom Units: 80-105 square meters, costing between $400,000 and $600,000Three-Bedroom Units: 120 square meters and above, priced up to $800,000Each unit is designed with meticulous attention to detail, featuring high-end finishes, spacious layouts, and access to exclusive amenities such as infinity pools, wellness facilities, and curated dining experiences.Investment OpportunityInvesting in Aruga Resort by Rockwell presents a unique opportunity for both local and international buyers. Cebu has emerged as one of Southeast Asia’s fastest-growing tourist destinations, comparable to Bali and Thailand. With robust infrastructure development, Mactan is poised to become a hub for tourism and commerce, offering significant returns on investment.Market Growth & Infrastructure DevelopmentThe Philippine tourism industry is on a strong upward trajectory, with international arrivals increasing year after year. In 2023, tourist arrivals reached record highs, driven by the country’s pristine beaches, rich cultural heritage, and vibrant local communities.Government investments in tourism infrastructure—including airports, roads, and eco-parks—enhanceaccessibility and further propel tourism growth. This consistent influx of tourists supports a strong rental market and reinforces the capital appreciation potential of properties in the area.Projected Return on Investment (ROI)One of the standout features of Aruga Resort is the income-generating potential through its serviced apartment offerings.Projected ROI from rental services is estimated at 8% to 12% annually, depending on unit type and market conditions.This return is supported by comprehensive property management services, ensuring high occupancy rates and premium pricing strategies.With steady demand from both local and international tourists, investors can expect substantial income from short-term rentals, replicating the success of other top tourist destinations.The strategic positioning of Aruga Resort capitalizes on the growing trend of staycations and experiential travel, further enhancing the appeal of serviced apartments Unique Selling PropositionAruga Resort by Rockwell stands out for its fusion of premium living experiences with Cebu’s rich cultural heritage and natural beauty.Rockwell’s reputation for excellence ensures a superior standard of quality, service, and holistic living.A focus on sustainability and community integration positions it as a future-proof investment, aligned withmodern lifestyle choices.By incorporating eco-friendly practices and communal spaces, Aruga caters to a growing market ofenvironmentally conscious buyers.A Comparable MarketWhen comparing investment opportunities in the resort and residential sectors of the Philippines, Bali, and Thailand, several key factors stand out:The Philippines offers a unique value proposition, combining stunning landscapes, rich culture, andcompetitive real estate prices.While Bali and Thailand remain top vacation destinations, rising property prices can deter new investors.Mactan’s charm, strategic location, and upward property value trajectory make projects like Aruga Resorthighly attractive.With the Philippine government's strong commitment to infrastructure and tourism development, investmentgrowth in Mactan, Cebu, is expected to be substantial.ConclusionAruga Resort by Rockwell is more than just a luxurious residential option—it is a strategic investment in one of Southeast Asia’s most promising real estate markets.Projected ROI of 8% to 12% from serviced apartments provides investors with consistent incomeopportunities.The booming tourism industry and government-backed infrastructure projects ensure long-term capitalappreciation.For investors seeking high-value opportunities comparable to Bali and Thailand, Aruga Resort presents asignificant potential for growth and desirability.Now is the time to secure your investment in this exceptional project in Mactan, Cebu.Donwload now!

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