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By Riazat Butt

The Associated Press

KABUL, Afghanistan 鈥� In a city that has been through it all and is clawing its way back, a man named Omidullah is looking to hit paydirt.

The Kabul real estate agent is selling a nine-bedroom, nine-bathroom, white-and-gold villa in the Afghan capital. On the roof鈥檚 gable, glittering Arabic script tempts buyers and brokers with the word 鈥渕ashallah鈥� 鈥� 鈥淕od has willed it.鈥�

The villa is listed at $450,000, a startling number in a country where more than half of the population聽relies on humanitarian aid聽to survive, most Afghans聽don鈥檛 have bank accounts, and mortgages are rare. Yet the offers are coming in.

鈥淚t鈥檚 a myth that Afghans don鈥檛 have money,鈥� Omidullah said. 鈥淲e have very big businessmen who have big businesses abroad. There are houses here worth millions of dollars.鈥�

In Kabul, a curious thing is happening to fuel the high-end real estate market. Peace, it seems, is driving up property prices.

Many natives are coming home

People who spent years living and working abroad are returning home, keen to take advantage of the country鈥檚 much-improved security and stability after decades of war, destruction and infrastructure decay. They include Afghans escaping deportation campaigns in Iran and聽Pakistan聽with cash in hand.

Mortgages are rare because banks don鈥檛 have the deposits to facilitate lending. Afghans buy in cash or use the 鈥済eerawi option鈥� 鈥� when someone provides a fixed sum to a landlord in return for living on his property and staying there until the landlord returns the money.

People were afraid to invest in Kabul before聽the Taliban takeover, according to another real estate agent, Ghulam Mohammed Haqdoost. But the country鈥檚 rulers have created better conditions for the property market in more ways than one.

The city is less violent since the Taliban transitioned from insurgency to authority and foreign forces withdrew, although armored vehicles, checkpoints and militarized compounds remain common sights.

The Taliban, sticklers for an intricate bureaucracy, have pledged to stamp out corruption and regulate legal and commercial matters. That means no more dealing with warlords or bribing local officials for land purchases or construction projects.

Haqdoost is happy with how easily and quickly things are getting done under the new administration.

鈥淗ouse prices have risen by almost 40 percent,鈥� he said. 鈥淚n the last three years, we have sold almost 400 properties. It wasn鈥檛 like that before.鈥�

For builders, times are good

Business is good for Haqdoost, who employs 200 administrative staffers, including women who deal exclusively with female customers, and then some 1,000 in the construction arm of his company.

Most customers bring their wives along to viewings, Haqdoost said. That鈥檚 because women call the shots when it comes to real estate purchases 鈥� even in a nation that聽critics say聽oppresses and disempowers women.

鈥淭he power and authority of the house is in the hands of the women,鈥� Haqdoost said. 鈥淭hey decide whether to buy the house or not.鈥�

Omidullah and Haqdoost said their clients want a garden, a gym, a sauna, a swimming pool, guest quarters and at least one kitchen. Hospitality is a major part of Afghan culture and this tradition is built into housing. Afghans typically host visiting friends or family in their homes, rather than in hotels or restaurants.

Haqdoost鈥檚 client base is mostly overseas, and their international tastes are influencing interiors. They want novelties like dining tables and beds. In Afghanistan, the norm is for people to sleep and eat on the floor. It鈥檚 also the diaspora seeking out purpose-built apartment blocks offering amenities like central heating, double-pane windows and elevators.

To make the city more attractive and livable, the municipal authority is busy building and repairing roads, installing streetlights, planting trees and removing trash. It鈥檚 also developing plans to promote affordable housing and encourage homeownership.

It needs to. Kabul鈥檚 population was around 500,000 at the start of the millennium. Now it is more than 5 million. Some neighborhoods remain congested and noisy as a result, despite officials鈥� best beautification efforts.

An oasis outside the Afghan capital?

Those who can afford to live just outside the city do so. There, on the edge of Qargha Reservoir, sit some of Kabul鈥檚 most elaborate and expensive homes.

One resembles an ornate mosque. Another evokes a Bond villain鈥檚 lair with its stark design and protrusion from the hills. Locals say it belongs to a wealthy Turkish magnate who comes and goes. They don鈥檛 give his name.

This cluster of landscaped gardens and decorative terraces looks out onto the lake, one of the capital鈥檚 best-loved beauty spots. Since the Taliban came to power, it鈥檚 mostly a men-only area. Women stop for breaks with their families, but they tend not to linger because聽Vice and Virtue Ministry聽officials operate one of the checkpoints that encircle the body of water.

Arash Asad is trying to sell his uncle鈥檚 property, which sits on around 43,000 square feet of land. It has unobstructed views across the reservoir and to the Paghman Mountains at the foot of the Hindu Kush Himalaya. The asking price is $800,000.

There are outbuildings to one side and a living area in the center of the plot topped off with a bright blue roof. The property is mostly rows of flowers and cherry trees. There are some cranes. The birds are included.

鈥淕ardens are very important to Afghans,鈥� Asad said. 鈥淢any of them come from villages. When they move to cities, they want to have that reminder of their past because it stays with them.鈥�

Inside the glass-walled living area Asad鈥檚 uncle gazes out at the water.

Asad鈥檚 family would prefer to have the property turned into a business rather than sell it. But the real estate broker fields numerous calls and messages during the 30-minute drive from central Kabul. Pictures of the property on social media have sparked a lot of interest.

鈥淧eople think this country has no jobs and no economy,鈥� Asad said. 鈥淏ut Afghans have made their money, illegally or legally, over the years. You wouldn鈥檛 believe it.鈥�