A Complete Guide for Purchasing a Property in DHA

DHA is considered as the most contemporary, developed and desirable residential societies in Pakistan and calling it epitome of luxury living won’t be wrong, as it include the provision of world class facilities and amenities, and also enjoys the privilege of being the largest housing scheme launched in the history of Pakistan’s real estate sector. Resulting the properties in DHA always high in demand, and hence it is essential for potential property buyers to know the proper property transfer procedure in Defence Housing Authority (DHA).
Read the following post to learn every detail related to property transfer procedure in DHA and you can also approach us for more information.


Verification Process of Property/Plot in DHA


Before the transfer procedure begins and making the payment of the chosen plot or property, a handful number of the property buyers want to verify the property.
The verification procedure is simple, and all you need is to collect a Verification Form available at DHA Office Reception Y-Block, Lahore and you can get this verification form for Rs650. Furthermore, you need to submit this form back to DHA Office Reception along with the following documents

  1. Copy of Allocation/ Allotment Letter.
  2. Copy of Computerized National Identity Card of Property Owner.
  3. Original paid Voucher of Verification Fee.
  4. Copy of Property Dealer’s Registration Card (if applied through Property Dealer).
    Customer/ Authority Holder will collect the Verification Form from DHA Reception the very next day.

Applying for No Demand Certificate (NDC)


After verifying the ownership of property, you will have to apply for a No Demand Certificate. No Demand Certificate (NDC) is the first step for property transfer in DHA, in which the owner has to clear all the remaining dues and outstanding objections. You need the following documents to proceed with the process:

  1. Copy of Computerized National Identity Card.
  2. Copy of Allocation/ Allotment Letter.
  3. Copy of the Site Plan (For the plots located in possession areas).
  4. Property Tax receipt and clearance certificate from Walton/ Lahore Cantt Board.
  5. No Objection Certificate (NOC) for Armed Forces Personnel in case of Service Benefit Plots/ Plots allotted out of Defence quota from GHQ AG’s Branch.

In Non-Possession areas, the timescale for NDC is 5 days, while in Possession areas, the timescale is 8 days. After that, you will receive a Transfer Fee Voucher, Remaining Dues Voucher (if any) so you may clear all dues before handing over the property to the next property owner:
The transfer Fee for 1 Kanal plot in Phase VII is Rs50, 950 while in Phase IV, the transfer fee for 1 Kanal plot is Rs62, 950. To be precise, the transfer fee varies from phase to phase in DHA. After paying the transfer fee, and clearing the remaining dues (if any), you can apply to the registering/ transferring authority of the Federal Board of Revenue (FBR) for the sale/ transfer of immovable property. You can get the FBR Form from the Federal Board of Revenue office or download it from FBR’s website at http://fbr.gov.pk.
You will have to submit the FBR document to the National Bank of Pakistan by filling in the Seller & Purchaser’s names and DC Value of the property. If you are selling the property for two years, you will have to deposit DC Value of property’ depending upon its location; otherwise’ CVT is not applicable. Moreover, CVT is not applicable on 5 Marla plots. For instance, the DC Value of 1 Kanal plot in Phase VII is Rs40, 00,000 and the DC Value of 1 Kanal plot in Phase IV is Rs70, 00,000.
Furthermore, you need to fill in the CVT form to get tax clearance from the Income Tax department. 2% CVT fee is applied on a per Kanal basis. For example, the CVT fee for 1 Kanal plot in Phase VII is Rs80, 000 and for 1 Kanal plot in Phase IV is Rs1, 40,000. DC Value, CVT fee, and Stamp Duty vary in every phase of DHA. After 3 days of submitting the CVT Form, FBR Form, and Transfer Fee to the DHA office, the management will give you time to visit the office to complete the property transfer procedure.

Note:

  • In the case of House or Open Possession Plot, the customer will have to coordinate with Building Control Branch for Surveyor visit and dues clearance.
  • In the case of a Constructed Building, the customer has to clear the TIP Tax of Walton / Lahore Cantt Board and Water Bill.

Transfer Procedure after NDC


After No Demand Certificate clearance, the next stage is to transfer the property is by bringing the Transfer Set to the Customer Service Officer for transfer appointment. The documents required at the time of transfer are following

  • Transfer Document (Forwarding Letter) giving the details of plot or house, name of the purchaser and other documents under seller’s three signatures
  • Original Allotment/ Transfer Letter so that a new Letter is issued in the name of the new property owner
  • Neat copy of Computerized National Identity Card of Seller and Purchaser (duly attested by Oath Commissioner)
  • No Demand Certificate
  • Membership Form (Available at DHA Office for Rs350)
  • Membership Fee paid by the new owner (Rs22,830)
  • 2 Passport size photographs of the new owner (Duly attested by Oath Commissioner)
  • Transfer Fee Voucher (Duly Paid)
  • Undertaking by the purchaser
  • 3% Stamp Duty of DC Value (Varies in every phase)
  • CVT (Duly Paid)
  • Original transfer/ Sale Deed along with affidavits of seller and purchaser for surrendering, if the plot is registered
  • Cantt Board Taxes

Both sellers and purchasers will have to visit Transfer Branch for the transfer. The Customer Service Officer will receive the documents and issue a receipt. Within 30 days of transfer at Customer Care Centre, the new owner can bring the receipt and original Computerized National Identity Card on the given date, to collect Allocation Letter from Transfer Branch, DHA Office.