DHA Plot File Rates Affidavit – 18 September 2025

Introduction

DHA Plot File Rates Affidavit

Defence Housing Authority (DHA) has become one of the most trusted names in Pakistan’s real estate market. It offers residential and commercial opportunities that combine modern infrastructure, security, and long-term growth potential. Among the different ways to invest in DHA, plot files—especially Affidavit Files and Allocation Files—hold great importance.

As of 18 September 2025, DHA plot file rates are once again under the spotlight. Both investors and end-users are keeping a close watch on market movements to make timely decisions. This article explains the latest affidavit file rates, compares them with allocation files, explores the driving factors behind price changes, and highlights investment opportunities.

Understanding Affidavit vs. Allocation Files

Before diving into the rates, it’s important to understand the difference between the two main types of files in DHA:

• Affidavit File:
  This is a file issued on an affidavit basis by DHA. It usually comes directly from landowners who have given their land to DHA in exchange for plots. These files are considered more secure and transparent because they involve no transfer fees when sold the first time.

• Allocation File:
  This file is officially allocated by DHA to an investor or buyer after the affidavit stage. Allocation files require transfer fees and are usually considered less flexible than affidavit files. However, they are also widely traded in the market and have a strong demand.

Both categories hold investment value, but affidavit files often trade at a slightly higher rate because of their ease of transfer and legal clarity.

DHA Plot File Rates (as of 18 September 2025)

Based on the latest market updates, here are the approximate file rates in DHA Lahore Phase 10:

• 5 Marla Affidavit File → Around PKR 31.75 Lac

• 5 Marla Allocation File → Around PKR 29.50 Lac

• 10 Marla Affidavit File → Around PKR 52 Lac

• 10 Marla Allocation File → Around PKR 50.50 Lac

• 1 Kanal Affidavit File → Around PKR 90 Lac

• 1 Kanal Allocation File → Around PKR 83.75 Lac

• 4 Marla Commercial Affidavit File → Around PKR 150 Lac

These figures indicate that affidavit files consistently maintain a premium over allocation files, mostly because of their first-time transfer advantage and ease of buying and selling.

Factors Affecting DHA Plot File Rates

Several factors influence how DHA plot file rates move up or down. As of September 2025, the following elements are shaping the market:

1. Development Progress
   Whenever DHA announces or speeds up infrastructure development—such as road networks, utilities, parks, or commercial hubs—file prices climb upward.

2. Balloting and Allocation Announcements
   Upcoming or newly held balloting events directly impact affidavit files, as demand rises when investors expect allocation soon.

3. Demand and Supply Dynamics
   More buyers and fewer files in circulation naturally push rates higher. Conversely, when more sellers enter the market, prices may stabilize or decline.

4. Economic Conditions & Inflation
   Pakistan’s inflation rate, currency depreciation, and rising construction material costs play a significant role in driving real estate prices.

5. Government & DHA Policies
   Changes in transfer fees, taxation policies, or regulatory approvals also affect market confidence and file rates.

Legal Considerations for Affidavit File Buyers

While affidavit files are generally secure, investors should always verify certain details before making a purchase:

• Ensure the affidavit file is genuine and issued directly by DHA.

• Verify that no disputes or double selling issues exist.

• Check whether the file is NOC cleared (No Objection Certificate) from DHA.

• Be aware of transfer policies—affidavit files are free from transfer fees the first time, but subsequent transfers may involve charges.

• Always use a trusted property consultant or DHA-approved dealer to avoid fraud.

Investment Opportunities in Affidavit Files

Affidavit files present a number of advantages for both short-term traders and long-term investors:

• Higher Liquidity: Since affidavit files are free of transfer fees initially, they attract more buyers, making them easier to sell.

• Steady Appreciation: Historically, DHA files increase in value after development announcements or balloting.

• Lower Risk: DHA is one of the most credible developers in Pakistan, so affidavit files hold lower legal and ownership risk compared to many private housing schemes.

• Commercial Growth: Commercial affidavit files, though more expensive, bring massive returns once business hubs develop.

Market Trends – 2025 Outlook

Looking at the overall market in 2025, a few trends are noticeable:

• Stable but Growing Market: Despite inflation and currency depreciation, DHA files remain one of the safest real estate investments in Pakistan.

• Affidavit Premium: Affidavit files continue to trade at higher rates than allocation files because of their smooth transfer process.

• Rising Commercial Demand: Investors are increasingly shifting toward commercial affidavit files, expecting high rental yields in the coming years.

• Phases with High Potential: Phases 9 Prism and 10 in Lahore, as well as DHA Quetta and DHA Multan, are seeing growing interest.

Tips for Investors

If you are planning to invest in affidavit files as of September 2025, consider these tips:

1. Choose Active Phases: Focus on phases where development is visible or balloting is expected soon.

2. Start Small: Beginners may start with a 5 or 10 marla affidavit file to minimize risk.

3. Compare Market Rates: Always cross-check prices with multiple agents and DHA’s official updates.

4. Think Long-Term: DHA investments usually show the best returns when held for several years.

5. Ensure Documentation: Never compromise on file verification and DHA transfer procedures.

6. DHA Plot File Rates Affidavit

Conclusion

On 18 September 2025, DHA affidavit file rates show a strong and stable outlook, particularly in Lahore Phase 10. Affidavit files remain slightly more expensive than allocation files, but they provide added convenience, legal clarity, and higher liquidity.

For investors, DHA affidavit files represent one of the safest and most profitable avenues in Pakistan’s real estate sector. By carefully selecting the right phase, verifying documents, and keeping a long-term vision, buyers can secure both capital gains and financial stability.

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