PropTech Convention

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Pakistan’s leading real estate technology platform, bringing together policymakers, regulators, developers, financial institutions, startups, architects, investors, end-users and PropTech innovators under one roof.

07/09/2026

An escrow account protects more than investor funds. It creates accountability for the developer too.

At the 6th PropTech Convention 2026, Muhammad Munaim from ARY LAGUNA explained how a developer’s own investment, land mortgage and project obligations remain tied to the development process.

Under an escrow structure, profits cannot be withdrawn until defined project milestones are achieved.

This creates stronger alignment between the developer and the investor. The developer has a meaningful stake in completing the project, while collected funds remain connected to its intended purpose.

Unlike private accounts, where investors may not know how their money is being used, an escrow arrangement introduces greater oversight and financial discipline.

The real value of escrow is not only where money goes.

It is the accountability built into the system.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:

https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

05/09/2026

Buyer trust grows when their money is protected by a system, not just a promise.

At the 6th PropTech Convention 2026, Muhammad Munaim from ARY Laguna explained how the project’s escrow account arrangement with UBL Bank creates greater financial accountability.

The arrangement involves the developer, the bank, an independent auditor and the relevant land authority.

Instead of buyer payments entering the developer’s general account, the funds are placed in an escrow account and allocated specifically towards the development of the project.

This structure helps ensure that money collected for a project is used for the purpose against which it was received.

For buyers investing their savings, an escrow account is more than a banking arrangement.

It is a mechanism that strengthens transparency, accountability and confidence between the buyer and the developer.

Trust becomes stronger when financial responsibility is built into the system.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:
https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

04/09/2026

Investor trust is not lost when a warning appears. It is lost when that warning comes after the investment.

At the 6th PropTech Convention 2026, Muhammad Munaim from ARY LAGUNA compared the experience of real estate developers operating in Punjab and Sindh.

He highlighted that more systemized processes and simpler entry requirements can make it easier for credible developers to enter the market and deliver projects responsibly.

The greater concern arises when investors commit their capital and only discover later that a housing society does not have the required legal status.

By that stage, investor confidence is damaged and even reputable developers with genuine intentions can suffer from the resulting distrust.

Clear approvals, timely verification and transparent regulation are therefore more than administrative requirements.

They are the foundation of a trusted real estate market.

Pakistan can attract greater investment when legality is established before capital enters the project.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:
https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

03/09/2026

Home financing should not end where middle class aspirations begin.

At the 6th PropTech Convention 2026, Muhammad Munaim from ARY LAGUNA highlighted the financing gap faced by families seeking properties valued between Rs 2 crore and Rs 3 crore.

While existing mortgage facilities primarily support low cost housing, many middle class buyers remain unable to finance a better home or upgrade their current property.

Muhammad Munaim emphasized that the State Bank and commercial banks can help address this gap by introducing larger mortgage facilities supported by background checks, payment histories and credit ratings.

Customers with strong financial records should have a clearer path towards financing that reflects their repayment capacity.

For Pakistan’s real estate market, broader mortgage access is more than a banking facility.

It is a pathway towards greater home ownership and stronger market participation.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:

https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

02/09/2026

Real estate growth cannot depend on cash buyers alone. It needs financing that makes property ownership more accessible.

At the 6th PropTech Convention 2026, Muhammad Munaim from ARY Laguna discussed how mortgage solutions could create a significant opportunity for both developers and end customers.

As economic stability improves, reputable developers can collaborate with banks to offer easier financing options and expand access to property ownership.

However, large and medium sized developments carry substantial construction costs. Any mortgage framework must therefore support the customer while remaining commercially workable for the developer.

For Pakistan’s real estate industry, mortgage financing is more than a payment option.

It is a bridge between credible development and wider market participation.

Sustainable growth becomes possible when banks, developers and buyers can move forward together.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:
https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

01/09/2026

Pakistan does not only need better real estate technology. It needs people who understand how to use it.

At the 6th PropTech Convention 2026, Muhammad Munaim from ARY Laguna highlighted the growing potential of tokenization, fractional ownership and digital payments in Pakistan’s real estate sector.

According to him, many of the required technology solutions already exist. The greater challenge is educating people about how structures such as REITs allow them to participate in property ownership according to their investment capacity.

Technology alone cannot transform an industry.

People must understand the opportunity, trust the structure and know how to participate before adoption can happen at scale.

This is also the purpose of the PropTech Convention: to connect technological evolution with practical understanding and industry ex*****on.

Innovation becomes valuable when awareness turns into participation.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:
https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

31/08/2026

The future of real estate is not only about what we build. It is also about who can participate.

At the 6th PropTech Convention 2026, Muhammad Munaim shared Salman Iqbal’s vision for ARY LAGUNA:

“If I cannot take people to the sea, I will bring the sea to the people.”

The conversation then explored how REITs can bring the same principle of accessibility to real estate investment.

Drawing on his experience with Dolmen and Arif Habib, Muhammad Munaim explained how projects such as The Harbour Front and Dolmen Mall Clifton became part of a listed investment structure.

Instead of purchasing an entire commercial property, investors can participate according to their budget by purchasing REIT units through the stock exchange.

This creates value on both sides. Investors gain access to institutional real estate, while developers can mobilize structured capital for large projects.

In a market where premium property remains beyond the reach of many, REITs become more than a financing structure.

They become an access mechanism.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:

https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

31/08/2026

A landmark real estate project begins with a vision people can immediately understand.

At the 6th PropTech Convention 2026, Muhammad Munaim shared how ARY Group Chairman Salman Iqbal envisioned ARY LAGUNA as a state of the art development with a clear differentiator: a man made artificial lagoon developed by Crystal Lagoons.

The goal was not simply to build another housing project. It was to introduce beach resort style living at a price point that more people in Pakistan could access.

That vision took shape at DHA City Karachi, where part of the lagoon has already been developed and is operational.

In a market where projects often compete with similar promises, a meaningful lifestyle experience becomes more than an amenity.

It becomes the identity of the development.

Strong real estate positioning begins when vision, product and lifestyle align.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:
https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

29/08/2026

A strong real estate career is built by learning from every side of the industry.

At the 6th PropTech Convention 2026, Muhammad Munaim shared how his journey began with Dolmen Real Estate Management in 2015, where he handled the sales and leasing of Dolmen Towers at Dolmen City, Clifton.

His experience later took him through Bahria Town and CBRE, where he managed Standard Chartered’s property portfolio across Pakistan.

In 2020, the scale and ambition of ARY Group’s plans led him to join ARY Laguna and contribute to its journey from Karachi to Gujranwala.

Each role added a different perspective, from business development and leasing to corporate portfolio management and large scale real estate development.

Experience becomes valuable when every step expands how you understand the industry.

Watch Muhammad Munaim’s full Convention Conversation, presented by LandTrack.pk:
https://www.youtube.com/watch?v=UKDPH5L9c9Q&t=15s

Pakistan’s next real estate boom will not begin with more construction. It will begin with better thinking.At the 6th Pr...
28/08/2026

Pakistan’s next real estate boom will not begin with more construction. It will begin with better thinking.

At the 6th PropTech Convention 2026, Ashraf Nara, CEO of Narkins Builders and Developers, highlighted three shifts the industry cannot ignore: building for the end-user, simplifying compliance and creating value beyond concrete.

Every successful project must balance the interests of three stakeholders: the builder, the investor and the end-user.

Safety, accessibility and essential amenities should not be treated as optional costs. Strong planning must protect quality during uncertain markets, while transparent taxation and smarter urban development can create value for both the industry and the wider economy.

In a sector where success is often measured by the number of buildings delivered, trust remains the real asset.

Sustainable growth begins when better builder mindsets, clearer policies and thoughtful urban planning move forward together.

What should change first: builder mindset, taxation policy or urban planning?

Share your answer in the comments.

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