# Plot on installment in Islamabad: who sells on instalments, the terms, and which are approved

URL: https://which.pk/property/guides/plots-on-installment-islamabad/
Author: Ahtisham
Updated: 25 Oct 2026

## Summary

As of October 2026, few Islamabad developers publish instalment terms. Park View City asks 25% down and charges Rs 1.6 crore for a 5 marla H Block plot over 12 months, against Rs 1.4 crore cash. Capital Smart City's 2024 Overseas West plan was 10% down, 10% confirmation and 12 quarterly instalments. Check approval first: Islamabad schemes on CDA's list need an NOC, Rawalpindi schemes need RDA approval, and several phases of well-known names are on RDA's illegal list.

## Key facts

- Park View City 5 marla (Oct 2026): Rs 1.4 crore cash, Rs 1.6 crore over 12 months
- Paid upfront in plans we checked: 20% to 33%
- Check Islamabad schemes on: CDA list: LOP and NOC
- Check Rawalpindi schemes on: RDA approved and illegal lists

In the plans we could check, a plot on installment in Islamabad meant **20% to 33% paid upfront and the rest over 6 months to 3 years**, at a higher total price than cash. As of October 2026, Park View City sells a 5 marla H Block plot for **Rs 1.4 crore cash or Rs 1.6 crore over 12 months** (25% down). Before comparing terms, check approval: Islamabad schemes on CDA's list need an NOC, and Rawalpindi schemes need to be on RDA's approved list.

Few developers publish their plans. Most instalment offers you will see are dealer adverts, which change often and aren't checked by anyone. This page lists only terms we could read on a developer page or a dated listing, and the approval status from CDA's and RDA's own lists, downloaded on 25 October 2026.

## Which societies sell plots on installment in Islamabad, and are they approved?

Approval comes from the Capital Development Authority (CDA) inside Islamabad Capital Territory and the Rawalpindi Development Authority (RDA) in Rawalpindi district. CDA's step that matters is the **NOC** (no-objection certificate): its own page says sponsors may start development and sell plots only after it.

| Society | Approval (25 Oct 2026) | Instalment terms we could check |
|---|---|---|
| [Park View City](/property/islamabad/park-view-city-islamabad/) (Zone 4, Islamabad) | CDA: layout plan approved, NOC approved. Park View City Rawalpindi and Phase II near Rawat are on RDA's illegal list | H and F Block: 25% down, 6 or 12 months (developer, Oct 2026) |
| [Capital Smart City](/property/islamabad/capital-smart-city/) | RDA approved over 7,376 kanal. Phase II and Extension are on RDA's illegal list | Overseas West: 10% down, 10% confirmation, 12 quarterly instalments (developer list, Aug 2024) |
| [Faisal Hills](/property/islamabad/faisal-hills/) | RDA final NOC over 11,823 kanals. Faisal Hills Enclave is on RDA's illegal list | Dealer advert: Rs 19.9 lakh down, 10 quarterly instalments (Oct 2026) |
| [Gulberg Greens and Gulberg Residencia](/property/islamabad/gulberg-greens-islamabad/) | CDA: layout plan approved, NOC issued | No official plan found |
| [Top City](/property/islamabad/top-city-islamabad/) | RDA approved over 9,681 kanal | No current plan found |
| [Mumtaz City](/property/islamabad/mumtaz-city-islamabad/) | RDA approved over 3,328.79 kanal; extension's transfer and mortgage deed in process | No official plan found |
| Naval Anchorage (Zone 5, Islamabad) | CDA: layout plan approved, NOC issued | No figures we could verify |
| [Eighteen](/property/islamabad/eighteen-islamabad/) | RDA: town planning approved over 4,839 kanal, transfer and mortgage deed under process | See our review |
| [Taj Residencia](/property/islamabad/taj-residencia/) | RDA final NOC over 224 kanal only. Blue Bell, Cosmos and Lotus blocks are on RDA's illegal list | Not checked |
| [Blue World City](/property/islamabad/blue-world-city/) | On RDA's illegal list | Not checked |
| [DHA Islamabad](/property/islamabad/dha-islamabad/) | Its own law; not on CDA's private schemes list | DHA's website returned an error to us |

A name on the approved list covers only the area and phase written in its entry. Several well-known names have an approved phase and an illegal one, so ask which phase and block your plot is in. RDA's illegal list also has an entry spelled "Naval Encourage" at Mouza Thallian, Motorway M-2: if you're offered a Naval Anchorage plot outside the CDA-listed scheme, ask which authority approved it.

## What are the payment plans for 5 and 10 marla plots?

These are the only plans we could read on a developer's own page.

| Plan | 5 marla | 10 marla |
|---|---|---|
| Park View City H Block, cash (Oct 2026) | Rs 1.4 crore | Rs 3 crore |
| Park View City H Block, 6 months: 25% down, 2 quarterly | Rs 1.5 crore (Rs 37.5 lakh down) | Rs 3.2 crore (Rs 80 lakh down) |
| Park View City H Block, 12 months: 25% down, 4 quarterly | Rs 1.6 crore (Rs 40 lakh down, 4 x Rs 30 lakh) | Rs 3.5 crore (Rs 87.5 lakh down) |
| Capital Smart City Overseas West, 3 years (from 18 Aug 2024) | Rs 34.3 lakh | Rs 62.9 lakh |

Capital Smart City's prices exclude development charges, taxes and government dues, and are from August 2024, so ask for the current list. Its plan asks for 10% down, 10% as confirmation and the rest in 12 quarterly instalments. If you miss the confirmation payment within a month, the booking is cancelled and 75% is refunded over six months.

For Faisal Hills we found no developer price list. One dealer advert on Zameen in October 2026 offered a 5 marla Prime Block plot for Rs 59.9 lakh on instalments (Rs 19.9 lakh down, then 10 quarterly instalments of Rs 4 lakh), or Rs 47.9 lakh as a lump sum. That is a dealer's offer, not the developer's.

## How much more do you pay on installment?

In the plans above, instalments cost more than cash. Park View City's 5 marla H Block plot costs **Rs 20 lakh more (about 14%)** over 12 months. In the Faisal Hills advert, the instalment price was Rs 12 lakh more than the lump sum (25%).

Treat the gap as the cost of borrowing from the developer, and compare it with what the same money would earn or cost elsewhere. See [home loans in Pakistan](/money/guides/home-loan-pakistan/) for bank financing.

## What are the risks of buying a plot on installment?

**A booking is often a file, not a plot:** Many instalment plans sell a file: a promise of a plot before a plot number is allotted. Until you have an allotted, numbered plot inside an approved layout plan, you are trusting the developer to deliver.

- **Approval can be partial.** RDA served Taj Residencia's owner a show cause notice in September 2026 for booking plots in blocks outside its approved layout plan, The Nation reported. RDA said booking before approval breaks the Punjab Development Authorities Private Housing Scheme Rules, 2021.
- **Transfers are the developer's records.** CDA's own page says sponsors handle allotment and transfer of plots "without any check or involvement of CDA".
- **New CDA rules since August 2026.** Sponsors must show the approved layout plan, with a QR code, at booking offices. Allotment letters aren't valid unless a CDA Director (Planning) has vetted them, and only plots inside approved layouts can be allotted or transferred, ProPakistani reported on 21 August 2026.
- **Missed payments can cost you.** Capital Smart City's 2024 plan cancels a booking if the confirmation payment is late, with only 75% refunded.

## How do I check a society before paying the down payment?

1. Type the name into our [society approval check](/property/tools/society-approval-check/), which searches CDA's and RDA's approved and illegal lists at once. Then open the live entry on cda.gov.pk/housing-schemes or rda.gop.pk.
2. On CDA's list, look for **NOC issued**, not just "layout plan approved". On RDA's list, read the area in kanals and the words after "approved".
3. Ask the developer which phase and block your plot is in, and check that block appears in the approved layout plan.
4. Search the illegal lists for the same name. Several societies have an approved part and an illegal part.
5. Get the payment schedule, cancellation and refund terms in writing before paying anything.

## Are there government plots on installment in Islamabad?

The Federal Government Employees Housing Authority (FGEHA) sells plots on instalments to its members, not on the open market. Its Margalla Orchards scheme on Park Road, a joint venture with DHA Islamabad and SCBAP, covers 8,432 kanals. FGEHA said on 15 October 2026 that it was 50% complete, with a payment schedule starting on 1 November 2026 and Block-A possession set for July 2027.

More guides: [new housing schemes in Islamabad](/property/guides/new-housing-schemes-islamabad/), [illegal housing societies in Islamabad and Rawalpindi](/property/guides/illegal-housing-societies-islamabad-rawalpindi/), [best housing society in Islamabad](/property/guides/best-housing-society-islamabad/), [Nova City review](/property/islamabad/nova-city-islamabad/), [taxes on buying property](/property/guides/tax-on-property-sale-pakistan/), [marla to square feet](/property/tools/marla-to-square-feet/).

## Park View City Islamabad: facts and scorecard

- Approval: CDA: partly approved
- 5 marla plot: Rs 98.96 lakh
- Possession: Partly given
- Our score: 5.8/10

- Legal status: 6/10 (The original 1,068 kanals has a CDA NOC and layout plan (Oct 2026); the 2025 extension has a layout plan only, with sales barred until a separate NOC.)
- Possession & development: 5/10 (The developer claims infrastructure is complete, but Overseas Block possession promised for June 2023 was still partial in June 2024 (one low-profile source).)
- Price & appreciation: 8/10 (5 marla asking prices roughly doubled from Rs 48.1 lakh (Jun 2021) to Rs 99 lakh (Aug 2026), a series high.)
- Utilities: Not enough evidence yet (No SNGPL, IESCO or independent evidence; CDA makes water and sewage the sponsor's responsibility.)
- Developer track record: 4/10 (CDA said it encroached government land for road access, the IHC held the NOC void (CDA cancelled it in January 2021), and NAB's probe closed only under the amended law (2023).)
- Location: 6/10 (Inside Islamabad (Zone 4) on Malot Road, about 23 km by road from Zero Point.)
- Resale liquidity: 6/10 (459 plots listed on Zameen (Oct 2026) and a price index since 2017; no transaction data.)

## Capital Smart City: facts and scorecard

- Approval: RDA: partly approved
- 5 marla plot: Rs 30.41 lakh
- Possession: Partly given
- Our score: 4.5/10

- Legal status: 4/10 (7,376 kanal is on RDA's approved list (May 2026), but RDA lists 'Phase II' and 'Extension' as illegal (Mar 2026) and acted against Phase-III in 2025 and 2026.)
- Possession & development: 5/10 (Developer says Overseas East, Prime 1, Central and Executive 1 were handed over 2020 to 2024, some sectors only partly; Overseas West, Prime 2 and Executive West still waiting. No independent check.)
- Price & appreciation: 5/10 (5 marla asking prices up 42% from Jun 2021 to Aug 2026, after a dip in 2024; the 5 marla average sits below, and the 10 marla average close to, the developer's own Aug 2024 Overseas West booking prices.)
- Utilities: Not enough evidence yet (Only the developer's own claims: water from its tube-wells (FAQ, undated); no IESCO source on electricity and no source on gas.)
- Developer track record: 4/10 (Some blocks delivered, but possession ran late, RDA has acted against unapproved extensions in 2018, 2025 and 2026, and 2026 cancellations refund with a 25% deduction.)
- Location: 4/10 (On the M-2 near Islamabad International Airport, but about 34 km in a straight line from Zero Point.)
- Resale liquidity: 5/10 (Zameen has run a price index since 2018 and files transfer once 20% is paid; no listing counts or time-to-sell data.)

## Faisal Hills: facts and scorecard

- Approval: RDA: partly approved
- 5 marla plot: Rs 56.35 lakh
- Possession: Partly given
- Our score: 5.2/10

- Legal status: 5/10 (RDA final NOC over 11,823 kanals and town planning approval for Faisal Hills-II (7,300 kanal, deeds pending), but RDA filed FIRs in 2025 over development beyond the approved boundaries, and 'Faisal hills enclave' is on RDA's illegal list.)
- Possession & development: 5/10 (150 houses for sale and 16 for rent on Zameen (Oct 2026) show lived-in parts; no independent data on which blocks have possession.)
- Price & appreciation: 6/10 (Zameen's 5 marla average rose from Rs 39 lakh (Aug 2021) to Rs 56.4 lakh (Aug 2026), but both 5 and 10 marla fell from 2023 to 2024 before recovering.)
- Utilities: Not enough evidence yet (No SNGPL, IESCO or independent evidence on gas, electricity or water.)
- Developer track record: 3/10 (RDA FIRs in 2025 for building beyond approved boundaries and misleading sales, a 2020 ACE case against RDA officials over its approval, and a January 2026 RDA FIR against Ch. Abdul Majeed over Faisal Town.)
- Location: 5/10 (On GT Road near Taxila, about 3 km in a straight line from B-17 but 24 km from Zero Point and 18 km from Islamabad airport.)
- Resale liquidity: 7/10 (1,783 plots and 150 houses listed on Zameen (Oct 2026) and a price index since 2016; no time-to-sell data.)

## Top City-1 Islamabad: facts and scorecard

- Approval: RDA approved
- 5 marla plot: Rs 60.63 lakh
- Possession: Partly given
- Our score: 6.2/10

- Legal status: 7/10 (On RDA's approved list over 9,681 kanal with an RDA-signed layout plan for Blocks A to J; but 'K Block' and extension blocks being sold aren't on that plan, and RDA held a hearing on residents' complaints in October 2026.)
- Possession & development: 6/10 (Lived in, with a school since 2021 by the developer's account and residents at RDA's 2026 hearing, but G Block is still being developed and no independent block-by-block check exists.)
- Price & appreciation: 6/10 (Zameen's 10 marla average rose from Rs 77.9 lakh (Jun 2021) to Rs 1.73 crore (Aug 2026), but the 5 marla average in Aug 2026 was about 7% below its Jul 2023 peak of Rs 65.3 lakh.)
- Utilities: Not enough evidence yet (No SNGPL, IESCO or independent evidence on gas, power or water; only developer claims.)
- Developer track record: 4/10 (Dynast Associates has delivered a lived-in scheme, but the land's ownership was disputed for years (FIA report, Supreme Court), and the information minister said Faiz Hameed had also been penalised in the Top City case at his 2025 court-martial (Dawn).)
- Location: 7/10 (Next to the new Islamabad airport on the Kashmir Highway, with the motorway on its eastern edge; about 22 km in a straight line from Zero Point.)
- Resale liquidity: 7/10 (1,174 plots listed on Zameen (Oct 2026) and a Zameen price index since 2013; no time-to-sell data.)

## Gulberg Greens Islamabad: facts and scorecard

- Approval: CDA: partly approved
- 5 marla plot: Rs 50.5 lakh
- Possession: Partly given
- Our score: 5.8/10

- Legal status: 5/10 (On CDA's approved list with an NOC (2012, revised 2020), but the 20,875-kanal 2023 plan has no revised NOC and 2026 show cause notices threaten withdrawal of the layout approval.)
- Possession & development: 6/10 (Parts of the scheme are built and lived in (Sep 2026), but Oct 2026 listings show non-developed plots in Blocks B and D, and CDA demanded a penalty from the sponsor for developing without an NOC.)
- Price & appreciation: 6/10 (Zameen's 10 marla average rose from Rs 80.8 lakh (May 2021) to Rs 1.35 crore (Aug 2026), but both 5 and 10 marla series sat flat from 2023 to Apr 2026, a sign of thin data.)
- Utilities: Not enough evidence yet (No SNGPL, IESCO or independent evidence on gas or power; CDA said in May 2026 the sewage treatment plant was encroached and not working.)
- Developer track record: 4/10 (IBECHS has delivered lived-in blocks, but CDA's 2026 notices cite unmet layout conditions, building on plots owned by CDA and Rs 79.26 million in penalties and fees; its elections were challenged in court (Dawn, 2021).)
- Location: 7/10 (Inside Islamabad's Zone 4, off the Islamabad Expressway, about 13 km in a straight line from Zero Point and 10 km from Rawalpindi Saddar.)
- Resale liquidity: 7/10 (1,123 plots listed on Zameen (Oct 2026), mostly farmhouse plots, and a Zameen price index since 2014; no time-to-sell data.)

## Mumtaz City Islamabad: facts and scorecard

- Approval: RDA approved
- 5 marla plot: Rs 80.21 lakh
- Possession: Partly given
- Our score: 6.5/10

- Legal status: 8/10 (RDA approved over 3,328.79 kanal and not on any illegal list; the 1,502.58-kanal extension's transfer and mortgage deeds are still in process (Feb 2026).)
- Possession & development: 6/10 (158 homes for sale and 62 for rent on Zameen (Oct 2026), but no official record of how much is developed.)
- Price & appreciation: 7/10 (Zameen's 10 marla average rose 81%, from Rs 71.2 lakh (Aug 2021) to Rs 1.29 crore (Aug 2026), and rose every year.)
- Utilities: Not enough evidence yet (No SNGPL, IESCO or independent evidence; only Zameen's undated claims.)
- Developer track record: 6/10 (Delivered a lived-in, RDA-approved scheme and we found no RDA action or court case against it (Oct 2026); no independent record of other projects.)
- Location: 6/10 (About 5 km in a straight line from Islamabad airport and 22 km from Zero Point, outside the CDA area.)
- Resale liquidity: 6/10 (288 plots and 158 homes listed on Zameen (18 Oct 2026) and a price index since 2016; no time-to-sell data.)

## Taj Residencia: facts and scorecard

- Approval: RDA: partly approved
- 5 marla plot: Rs 89.79 lakh
- Possession: Unclear
- Our score: 5.4/10

- Legal status: 3/10 (RDA's final NOC covers only 224 kanal; the 2,200-kanal extension is still 'under process', and RDA put the Lotus, Cosmos and Blue Bell blocks on its illegal list (May 2026) and served a show cause notice (Sep 2026).)
- Possession & development: Not enough evidence yet (Only an undated Zameen guide says four blocks are open for possession; no RDA or independent evidence.)
- Price & appreciation: 7/10 (Zameen's 5 marla average rose from Rs 36.8 lakh (Aug 2021) to Rs 89.8 lakh (Aug 2026), 31% in the last year; 10 marla rose from Rs 66.8 lakh to Rs 1.24 crore.)
- Utilities: Not enough evidence yet (No SNGPL, IESCO or independent evidence on gas, power or water.)
- Developer track record: 4/10 (The Sardar Group's joint venture built the Centaurus in Islamabad (Arab News, 2006), but RDA's September 2026 show cause notice alleges publicity and booking of plots in Taj Residencia blocks it calls illegal.)
- Location: 7/10 (Next to Islamabad's I-14 to I-16 sectors, about 8 km in a straight line from Rawalpindi Saddar, 15 km from Zero Point and 14 km from Islamabad airport.)
- Resale liquidity: 6/10 (122 plots listed on Zameen (17 Oct 2026), spread across Tulip, Gardenia, Orchard, Lily and Rose blocks, and a Zameen index since 2017; no time-to-sell data.)

## Blue World City: facts and scorecard

- Approval: Not approved
- 5 marla plot: Rs 21.03 lakh
- Possession: Partly given
- Our score: 2.8/10

- Legal status: 1/10 (On RDA's illegal list (updated Mar 2026), first declared illegal in 2018; nothing on the approved list.)
- Possession & development: 3/10 (Developer says General Block and parts of Overseas Block have possession; no independent check.)
- Price & appreciation: 5/10 (5 marla asking prices doubled from Rs 10.1 lakh (Jun 2021) to Rs 21 lakh (Aug 2026), but flat stretches in 2025-26 suggest thin data.)
- Utilities: Not enough evidence yet (Only developer claims; RDA asked IESCO and SNGPL in 2021 not to serve illegal schemes.)
- Developer track record: 2/10 (2021 FIR over alleged encroachment on 1,250 kanals of state land and a NAB inquiry; land owned is disputed (1,534 kanals per Profit vs 250,000+ claimed).)
- Location: 3/10 (Off Chakri Road, about 21 km in a straight line from Islamabad's airport and 41 km from Zero Point.)
- Resale liquidity: 3/10 (Plots trade (Zameen has tracked asking prices since 2018), but RDA asked the Cyber Crime Wing in 2025 to ban online plot sales and transfers in illegal schemes; no time-to-sell data.)

## Questions people ask

### Which societies give plots on installment in Islamabad?

Park View City publishes 6- and 12-month plans with 25% down (October 2026). Capital Smart City's Overseas West price list from August 2024 was 10% down, 10% confirmation and 12 quarterly instalments. Dealers also advertise instalment plots in Faisal Hills.

### Is a plot on installment more expensive than cash?

Usually yes. Park View City's H Block 5 marla plot was Rs 1.4 crore cash but Rs 1.6 crore on its 12-month plan in October 2026, about 14% more.

### Can I get a 5 marla plot on installment in DHA Islamabad?

We couldn't open DHA Islamabad's website in October 2026, so we have no official instalment plan to report. DHA Islamabad runs under its own law and is not on CDA's private schemes list.

### Is a society approved if it sells plots on installment?

No. Selling on instalments says nothing about approval. Blue World City and Capital Smart City Phase II, for example, are on RDA's illegal list as of 25 October 2026.

## Sources

- [Payment Plan - ParkView City Islamabad](https://parkviewcity.com.pk/islamabad/payment-plan/), Park View City (developer) (accessed 25 Oct 2026)
- [Launching of Overseas West Block (26 Jul 2024)](https://www.smartcitypk.com/news/launching-of-overseas-west-block), Capital Smart City (developer) (accessed 25 Oct 2026)
- [CDA - Private Housing Schemes](https://www.cda.gov.pk/housing-schemes), Capital Development Authority (CDA) (accessed 25 Oct 2026)
- [Approved Housing Societies](https://rda.gop.pk/ahs), Rawalpindi Development Authority (RDA) (accessed 25 Oct 2026)
- [Illegal Housing Societies](https://rda.gop.pk/ihs), Rawalpindi Development Authority (RDA) (accessed 25 Oct 2026)
- [Margalla Orchards Housing Scheme (Park Road) development update (15 Oct 2026)](https://www.fgeha.gov.pk/margalla-orchards-housing-schema-park-road-development-update/), FGEHA (accessed 25 Oct 2026)
- [CDA issues new rules for plot allotments and housing scheme approvals (21 Aug 2026)](https://propakistani.pk/2026/08/21/cda-issues-new-rules-for-plot-allotments-and-housing-scheme-approvals/), ProPakistani (accessed 25 Oct 2026)
- [RDA issues show cause notices to 2 housing schemes for illegal extension, marketing (16 Sep 2026)](https://www.nation.com.pk/16-Sep-2026/rda-issues-show-cause-notices-2-housing-schemes-illegal-extension-marketing), The Nation (accessed 17 Oct 2026)
- [5 Marla Plot On Installment In Faisal Hills (dealer listing)](https://www.zameen.com/Property/islamabad_faisal_hills_5_marla_plot_on_installment_in_faisal_hills-54261090-10859-2.html), Zameen.com (Gillani Estate) (accessed 25 Oct 2026)