1 year
Minimum investment period
Capital cannot be withdrawn, in full or in part, for at least one year from the date of the agreement. In an emergency, a withdrawal needs HUD HUD's written consent.
Invest in homes being built in Peshawar.
Your capital funds the construction of houses that HUD HUD sells, mostly on installments. As homes are booked, you receive a share of the profit every month — expected at 2–2.5% of your invested amount.
Aap ka sarmaya ghar ki tameer mein — munafa mein aap ka hissa.
- Expected profit on your invested amount
- 2–2.5% a month
- Minimum investment period
- 1 year
- Written notice to exit
- 3 months
- Invest this much and inteqal is given as security
- 1 crore+
Where your money goes
- 1
You invest
You and HUD HUD sign a Real Estate Partnership Agreement on e-stamp paper, with the capital amount written into it.
- 2
We build homes
Your capital goes into constructing houses in HUD HUD projects.
- 3
Homes are sold on installments
Houses are booked and sold, mostly on installment plans. Profit is set aside when a booking advance is received.
- 4
You are paid monthly
Your share of the profit is paid to you every month.
What the monthly profit could look like
At the expected 2–2.5% a month on the amount you invest.
| You invest | At 2% a month | At 2.5% a month |
|---|---|---|
| 10 lakh | PKR 20,000 | PKR 25,000 |
| 25 lakh | PKR 50,000 | PKR 62,500 |
| 50 lakh | PKR 100,000 | PKR 125,000 |
| 1 crore+ inteqal as security | PKR 200,000 | PKR 250,000 |
These figures are expected, not guaranteed. Under the agreement your profit is a share of net profit after expenses, and it can be lower; the partnership shares profit and loss.
How your investment is secured
Everything is written down, signed and witnessed — and you can check the accounts yourself.
Agreement on e-stamp paper
A written partnership agreement on government e-stamp paper, signed by both sides and two witnesses.
Bank security cheque
HUD HUD gives you a bank cheque as security for your capital. The agreement also allows a named guarantor.
Inteqal for PKR 1 crore and above
For investments of PKR 1 crore or more, the inteqal of a property is given to you as security.
Full audit right
Proper accounts are kept, and you have the full right to audit them.
Staying in, and getting out
Plan for at least a year. When you want your capital back, give three months' written notice.
3 months
Written notice to exit
To leave the partnership and take your capital out, tell us in writing 3 months in advance.
The agreement, clause by clause
A plain-language summary of the Real Estate Partnership Agreement. Read the full agreement with management before you sign.
- 1
Nature of business
Real estate marketing, property dealing, buying, selling and investment activities in Peshawar.
- 2
Capital
The amount you invest is written into the agreement.
- 3
Operations
HUD HUD runs all business operations — office, staff and client dealings.
- 4
Profit and loss sharing
Net profit, after all expenses such as salaries and commissions, is shared between you and HUD HUD in the percentages agreed.
- 5
Security
HUD HUD provides a bank security cheque, or a guarantor.
- 6
Accounts and audit
Proper accounts are maintained and you have a full audit right.
- 7
Non-compete
You agree not to run a similar business in Peshawar during the agreement and for the number of months set in it after it ends.
- 8
Confidentiality
All business information stays confidential.
- 9
Termination
The agreement can be ended with the written notice it sets out.
- 10
Capital lock-in
Capital cannot be withdrawn, in full or in part, for at least 1 year from the agreement date. In an emergency, withdrawal needs HUD HUD's written consent.
- 11
Governing law
The agreement is governed by the laws of Pakistan; the courts of Peshawar have jurisdiction.
- 12
Entire agreement
The signed agreement is the complete understanding between both parties.
Investor questions
Ask anything else in person, at our office.
Where does my money go?
Into constructing houses in HUD HUD projects. The houses are sold, mostly on installments, and profit from those sales is shared with you.
How is my investment secured?
Through a partnership agreement on e-stamp paper and a bank security cheque from HUD HUD (the agreement also allows a named guarantor). For investments of PKR 1 crore or more, the inteqal of a property is also given to you.
How long must I stay invested?
At least 1 year from the date of the agreement. During that time capital cannot be withdrawn, except in an emergency with HUD HUD's written consent.
How do I exit?
Tell HUD HUD in writing 3 months before you want to take your capital out.
Can I check the accounts?
Yes. The agreement gives you a full right to audit the accounts.
Is the profit fixed?
No — it is not fixed or guaranteed. The agreement is a profit-and-loss sharing partnership: your profit is a share of net profit from selling homes, after expenses such as salaries and commissions. Management will explain the expected monthly profit and how it is calculated before you sign.
Talk to management about investing.
Meet us at the office, see the agreement and the projects your capital would build, then decide.