Affidavit vs Allocation in DHA Phase 10 Lahore – Which File Should You Buy in 2025?

Affidavit vs Allocation in DHA Phase 10 Lahore – Which File Should You Buy in 2025?

Updated on: October 29, 2025 When investing in DHA Lahore Phase 10, buyers often ask the same question: 👉 “Should I buy an Affidavit file or an Allocation file?” This question is common because both types belong to the same project but differ in cost, taxes, and the transfer process. Understanding these differences is crucial for making informed decisions and maximizing your investment returns. This guide explains both file types, compares current DHA Phase 10 market rates (as of October 2025), and helps you choose the best option based on your goals.

Understanding Affidavit and Allocation Files in DHA Phase 10

1. What is an Affidavit File?

An Affidavit File in DHA Phase 10 Lahore is initially issued to landowners in exchange for the land they provide to DHA.

• These files are tax-free at the start because the government taxes are already paid by DHA when the land is acquired.
• Buyers pay lower transfer fees and no stamp duty or advance tax during the first transfer.
• This makes affidavit files ideal for non-filers and short-term investors due to reduced documentation and lower costs.

2. What is an Allocation File?

An Allocation File is an affidavit file that has been officially registered in the buyer’s name by DHA.

• The file is part of DHA’s official record system, giving you recognized ownership rights.
• It is subject to stamp duty, CVT (Capital Value Tax), and advance income tax.
• The transfer process is longer and costlier, but the ownership is more secure and preferred for future balloting or plot allocation.

DHA Phase 10 Lahore Market Rates (October 2025)

Source: Lahore Real Estate Market Insights 2025 💡 The price gap between affidavit and allocation files has narrowed in late 2025, especially in 10 Marla and 1 Kanal categories.

Affidavit vs Allocation in DHA Phase 10 Lahore – Cost & Tax Comparison

Which One Should You Buy?

Buy an Affidavit File If:

• You’re a non-filer wanting to avoid high taxes.
• You’re interested in short-term trading or resale.
• You prefer lower entry cost and flexibility.

Buy an Allocation File If:

• You’re a filer seeking secure ownership.
• You plan to hold long-term or wait for balloting.
• You want an officially registered file in DHA’s system.

Expert Market Insights – 2025 Outlook

Real estate experts predict that as DHA Phase 10 moves closer to balloting and development, the price gap between affidavit and allocation files will continue to shrink.

• Affidavit buyers today may earn strong returns once files convert to allocation.
• Risk-averse or overseas investors should prioritize allocation files for peace of mind.

Recent Trends (Q4 2025):

• Affidavit file supply is limited, slightly increasing prices.
• Allocation file demand is rising due to expected development updates.
• DHA revised transfer fees and taxation, affecting affordability.
• Balloting expected mid-2026 – likely to boost prices across all file types.

Final Recommendation

Choose Affidavit Files for short-term gains and trading flexibility. Choose Allocation Files for long-term security and DHA-verified ownership. Always:

• Verify files via DHA’s transfer verification system.
• Check fees and membership costs before purchase.
• Work with registered property consultants to ensure authenticity.

Conclusion

Both Affidavit and Allocation files in DHA Phase 10 Lahore have unique benefits. Your choice should align with your investment strategy, risk tolerance, and tax status. With DHA Phase 10’s increasing activity and expected balloting in 2026, 2025 is an excellent year to invest—whether you choose an Affidavit or Allocation file. Stay updated with DHA Lahore official news, market trends, and policies before investing to make the most informed decision.