Should you build with a partner — or just sell the plot?
Model the landowner-plus-cash-partner deal end to end: contributions, profit split, FBR taxes and inflation. See your real gain versus selling today, whether the split is fair, and connect with a vetted development partner — all in one place.
Split follows capital at risk: landowner 57.1%, cash partner 42.9%.
Tax rates are indicative FBR estimates — verify with our senior team.
Selling the plot today nets PKR 19,100,000 (after PKR 900,000 CGT on your PKR 6,000,000 gain). Building returns your plot value plus a PKR 5,942,857 profit share — worth PKR 21,887,228 in today's money after the 1.5-year wait.
When the two bars line up, profit tracks the money each partner put in. A skew means one side is getting a sweat-equity or risk premium — exactly what the partnership agreement should spell out.
| Total project value at sale | PKR 48,000,000 |
| Total capital deployed | PKR 35,000,000 |
| Gross profit | PKR 13,000,000 |
| Profit tax | − PKR 2,600,000 |
| After-tax profit (nominal) | PKR 10,400,000 |
| After-tax profit (today's money) | PKR 3,302,650 |
| Return on total capital | 29.7% |
Building with a partner is worth PKR 2,787,228 more than selling today — because you keep your plot's full value (no CGT now) and add a profit share. Worth it only if the sale price and timeline hold. Insist on a written agreement, a milestone-linked escrow, and a realistic sale estimate before contributing your plot.
Your PKR 15,000,000 earns PKR 4,457,143 — 18.9% a year (6.2% after inflation). Compare that to a plot flip or fixed deposit before committing. Release funds against verified construction milestones, not upfront, and cap your exposure to cost overruns in the contract.
Biggest risks to the result above: the sale price not landing, construction cost overruns, and the timeline slipping (which compounds against you in today's-money terms). Stress-test by lowering the sale price ~10% and adding a few months.
We send the full analysis on WhatsApp and connect you with an Alammana-certified development partner.
Indicative model for planning only. Taxes shown are simplified (FBR CGT is charged on your gain; selling also carries withholding/transfer/agent costs not modelled here, and the project profit tax depends on how the venture is structured). Construction cost, sale value and timing vary by plot, block and market. Confirm every figure and the partnership/escrow structure with our senior team before committing funds.