If you need to invest in DHA real estate, it’s very key to know the difference between an affidavit and an allocation file. Various first-time buyers and overseas Pakistanis are confused about what each file means, when a plot becomes “real plot,” and how safe the investment is. This confusion can cause complications: with high demand for DHA properties and many deals happening through brokers or social media, wrong assumptions may lead to legal problems, losing money, or getting a file that never turns into a plot.
Knowing the change, checking documents carefully, and being conscious of property file scams Pakistan can help keep your investment safe. This guide clarifies affidavit and allocation files, their uses and legal value.
What Is DHA in Real Estate?
DHA (Defence Housing Authority) is a famous real estate group in Pakistan. It manages housing societies in cities such as Lahore, Karachi, Islamabad, and Multan. DHA is well-known for safe, planned and organized communities. In DHA, people frequently purchase “files” instead of ready plots. A file gives the right to a plot, but not the land itself. There are two key types: affidavit files and allocation files. Both kinds are clarified in the DHA file types explained guide.
If we need to invest in DHA, it is important to know these files. Knowing about DHA property documents helps people understand what they are buying and avoid scams or legal complications. Each DHA city may have slightly different rules, so it is essential to review the file types before investing.
What Is an Affidavit File in DHA?
An affi\davit file — frequently called Affidavit File DHA — is given by DHA to original landowners who give their land to DHA.
Key points:
· No plot number yet — it’s only a “slot” for a future plot.
· Inexpensive and easier to trade than a confirmed plot.
· Transfer is simple — typically wants only stamp paper and ID, no in-person meeting.
· Popular with short-term buyers or investors for fast trading.
An affidavit file does not promise a particular plot or date. You get the actual plot only after allocation/balloting.
What Is an Allocation File in DHA?
An allocation file is a file you receive when DHA officially gives you a plot. This is the point where the plot becomes connected to your name. This is what makes the allocation file difference so important — it means DHA formally recognizes your plot.
To move or sell an allocation file, you must follow the proper plot allocation process, such as paying government fees and sometimes visiting the office in person.
Allocation files are safer for long-term buyers who want to build a house, live there, or keep the plot for the future. They usually cost more but are legally stronger and more secure than affidavit files.
Key Points:
· Shows the plot number or confirms your plot.
· Selling/buying wants fees and official steps.
· Safer and legally stronger than affidavit files.
· Price more, less flexible, good for long-term holding.
In short, allocation files are for consumers who need a safe, long-term investment.
Comparison Table – Affidavit vs Allocation File
| Feature | Affidavit File | Allocation File |
|---|---|---|
| Plot/Location | No — plot not given yet | Yes — plot is authoritatively assigned |
| Investment Safety | Moderate — depends on future allocation | High — plot is officially registered with DHA |
| Market Price | Lower cost; inexpensive transfer | Higher cost; includes taxes and full transfer fees |
| Stage | Early — previously balloting/plot assignment | Mid/Late — once allocation/registration |
| DHA Check Needed | Yes — before transfer or allocation | Yes — at transfer |
| Good for Short-Term Investment? | Sometimes — can sell earlier allocation | Typically, yes |
Legal Value & DHA Verification Process
Previously, when buying, always verify the DHA file. This is very key:
DHA has two kinds of files: affidavit files and allocation files. Only allocation files make certain the plot is officially yours. Until then, things can change, or allocation may be delayed. To check a file, visit the DHA office. Question about the file number, recent status, pending payments, and if the plot number or allocation letter is prepared. This helps you avoid fake DHA files, warnings, or duplicates.
You want these documents for verification: CNIC, file number, DHA letters, sale agreement (if buying from someone else) and payment receipts. Fake DHA files warning is actual—files sold without DHA permission are common. Avoid purchasing files from social media or WhatsApp to avoid losing money or facing legal issues. For all serious buyers, particularly overseas Pakistanis, do DHA file verification each time and check that the file is legally valid before buying.
Which File Is Better for Investment?
Choosing the right DHA file is important for safety and profit. Both the affidavit and the allocation files have their own strengths. Knowing the difference can save you from loss and stress. New buyers and overseas Pakistanis should always check safety, legal documents, and potential profit — and also compare DHA Lahore file prices with other options — before buying.
When an affidavit file is good:
Lower cost— easy for small budgets.
Chance to earn—value may go up if DHA plans grow.
Easy to sell— can sell previously owned plots that are officially given.
When is an allocation file safer?
Legally safe — plot is officially in your name.
Better long-term returns—harmless to hold and build on.
Market risk & long-term ROI: Allocation files are safer; affidavit files are dangerous but may offer higher profits.
Tips for new investors & overseas Pakistanis: Check the file carefully, save budget in mind, avoid fake DHA files.
Common Misunderstandings & Scams
The DHA file market has various traps, particularly for new buyers. Knowing these can save you money and concern.
Fake agents & WhatsApp deals: Some people sell “affidavit files” and say they are “almost allocated” or “close to balloting.” If DHA hasn’t checked, these claims can be wrong.
Tricky words: Phrases like “on call,” “close to allotment,” or “almost allocation” are used to charge more. These are not guaranteed.
Buying without checking: Some buyers trust agents and miss DHA verification. This can lead to fake, duplicate or unallocated files.
Selling too soon: Selling files before balloting or allocation puts all the threats on the new buyer.
Each time, verify your file with DHA, check all papers carefully, and don’t trust deals that are only promises.
FAQs
Can I convert an affidavit file into an allocation file?
Yes — once DHA completes land acquisition and balloting, the affidavit can become an allocation file.
How long does allocation usually take?
It differs — it could take months or even years, depending on DHA and the phase.
Can I buy a DHA file without visiting Pakistan (overseas)?
Yes, but dangerous. Use a power of attorney and verify all through reliable local representatives.
Does DHA provide installment plans?
Typically, no for resale files. New bookings may have installments liable on DHA’s scheme.
What documents should I ask for from the seller?
Original file, CNIC copy, sale/transfer papers, payment receipts and DHA transfer/NDC for allocation files.
Recent Market Examples (2025) — Price Snapshot in DHA Lahore
Looking at the recent 2025 data, we can realize how affidavit and allocation files are priced. For example, in DHA Lahore Phase 10:
5 Marla: Allocation file ~ PKR 33 Lac; Affidavit file ~ PKR 38–40 Lac
10 Marla: Allocation ~ PKR 57.5–58 Lac; Affidavit ~ PKR 65 Lac
1 Kanal: Allocation ~ PKR 91–92 Lac; Affidavit ~ PKR 100 Lac
Affidavit files sometimes cost more than allocation files. This is because they are easier to sell and transfer, and more attractive to speculators, even though they are less legally secure.
But the price dissimilarity can change. Depending on demand, supply and development work (like balloting or construction), allocation files can become costlier than affidavit files.
So, don’t just look at price—consider what you want to do with the file.
Conclusion
To conclude, property file scams in Pakistan are common, so be cautious before buying any DHA file. Investment in DHA real estate requires understanding the difference between the affidavit and allocation files. This tells you whether your investment is safe or unsafe. In DHA Lahore, allocation files are safer for long-term holding, legal security and building a house. Affidavit files may be better for short-term buyers who need flexibility or quick resale. A DHA Multan affidavit file is unsafe until it is officially allocated.
Each time, check with DHA, obtain the correct documents, and consult reliable real estate or legal advisors, particularly if you are new or living abroad. Knowing what you are buying and the threats makes your investment safer and smarter.
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