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Buy & finance

Transfer Taxes & Fees

Estimate the advance taxes (236K / 236C), stamp duty, CVT, society transfer fee and commission on buying or selling property. Rates are editable — confirm current FBR and Punjab rates before paying.

Buyer pays on top

PKR 650,000(6.5 lac)

6.5%

Seller pays

PKR 400,000(4 lac)

4.0%

Buyer

Advance tax (buyer, 236K)PKR 300,000
Stamp dutyPKR 100,000
Capital value tax (CVT)PKR 100,000
Society transfer feePKR 50,000
Agent commissionPKR 100,000

Seller

Advance tax (seller, 236C)PKR 300,000
Agent commissionPKR 100,000

Estimate only. FBR withholding rates (236K/236C) depend on filer status and change with each budget; stamp duty and CVT are set by the province. The default percentages are placeholders — check the current FBR and Punjab rates (or ask us) before paying.

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The short answer

When property changes hands in Punjab, the buyer typically pays FBR advance tax (section 236K), stamp duty, and in some cases capital value tax (CVT), plus the society’s transfer fee; the seller pays FBR advance tax under section 236C. Rates depend on filer status and change with each budget, so confirm current rates before paying.

The main costs on a property transfer

Paid by the buyer

  • Advance tax under section 236K — collected by FBR on purchase; the rate depends on the property value band and whether the buyer is on the Active Taxpayers List (filer).
  • Stamp duty — a provincial levy on the transfer deed.
  • Capital value tax (CVT) — a provincial tax that applies in some cases.
  • Society transfer fee — set by each housing society.
  • Agent commission — commonly around 1% from each side in the Twin Cities, agreed in advance.

Paid by the seller

  • Advance tax under section 236C — collected on sale, again depending on value and filer status.
  • Capital gains tax may also apply depending on the holding period.

Why the rates here are editable

Federal withholding rates are revised in the budget each year, and provincial stamp duty and CVT change too. The default percentages are placeholders so you can see the structure of the cost — replace them with the current FBR and Punjab rates, or ask us for today’s figures on a specific transfer.

Filer status matters

Non-filers usually pay substantially higher withholding tax. If you are buying or selling, check your status on the FBR Active Taxpayers List first.

How to use the transfer taxes & fees

  1. 1Enter the property value used for tax (FBR or DC valuation).
  2. 2Enter the current buyer and seller advance-tax rates, stamp duty and CVT.
  3. 3Add the society transfer fee and any agent commission.
  4. 4Read what the buyer pays on top and what the seller pays.

Frequently asked questions

+What taxes does a buyer pay on property in Pakistan?

Typically FBR advance tax under section 236K, provincial stamp duty and, where applicable, CVT, plus the society’s transfer fee. Rates depend on value and filer status.

+What is section 236C?

The FBR advance tax collected from the seller when immovable property is sold or transferred.

+Do non-filers pay more tax on property?

Yes. Withholding rates for people not on the Active Taxpayers List are considerably higher, so check your filer status before a transaction.

+Who pays the society transfer fee?

Usually the buyer, but it can be negotiated. Agree it in writing before the transfer.