🏡 DHA Lahore NDC (No Demand Certificate) – Complete Guide, Requirements & Process 2025
When it comes to transferring property ownership within DHA Lahore, obtaining a No Demand Certificate (NDC) is one of the most crucial steps. The NDC ensures that there are no outstanding dues or pending liabilities against the property. Without it, no transfer of ownership can take place.
This article provides a complete, step-by-step guide to understanding the DHA Lahore NDC process, including required documents, validity period, and special conditions — brought to you by Islam Estate®️, an authorized real estate company specializing in DHA Lahore property dealings.
🧾 What is an NDC (No Demand Certificate) in DHA Lahore?
A No Demand Certificate (NDC) is an official document issued by the Defence Housing Authority Lahore confirming that no financial or legal dues are pending on a property. It’s required before any sale, purchase, or transfer of property in DHA.
Essentially, NDC acts as clearance from DHA — certifying that all dues, transfer fees, and maintenance charges are fully settled and the property is free from encumbrances.
📋 Documents Required for DHA Lahore NDC Application
To apply for an NDC, the owner (or authorized representative) must submit the following documents to the DHA Transfer & Record Office:
🔹 Basic Documents
- 1 x Photocopy of CNIC (Owner / Seller).
- 1 x Photocopy of Allocation / Intimation / Allotment / Transfer Letters.
- 1 x Photocopy of Site Plan for the plot (if possession is open).
➤ If not held, it can be applied for along with the NDC. - 1 x Photocopy of Completion Certificate (for completed house/building).
🔹 Additional Documents (If Constructed Property)
- TIP Paid Receipt & Clearance Certificate from Walton or Lahore Cantt Board.
- Property Tax Receipt & Clearance Certificate from the same authority.
➤ If exempted, attach the Exemption Certificate.
🔹 In Case of Company / Trust / Firm / Partnership
Special documentation and instructions apply — available at the DHA Reception or on the official DHA Lahore website.
🔹 For Armed Forces Personnel
- NOC from GHQ (AG’s Branch, W&R Directorate) for service benefit plots or those allotted from the Defence quota.
- Attested Photocopies of Pension Book, Discharge Certificate, and Form ‘B’ (for retired JCOs/NCOs or NOKs of Shaheed/Deceased).
🔹 In Case of Hiba (Gift) Transfer
Attach:
- Photocopies of CNICs of Donor & Donee.
- Family Registration Certificate (FRC).
🔹 Special Projects (High-Rise & Commercial)
For Halley Tower, Gold Crest, Penta Square, or Defence Raya:
- No Objection Certificate (NOC) from the concerned O&M Company is mandatory.
- Undertaking by the Purchaser/Donee must be submitted along with the transfer documents set.
🔹 For DHA Phase 11 (Rahbar) & Phase 12 (EME)
Owners are required to procure a Property Tax Clearance Certificate from the Excise & Taxation Office, applicable to both plots and constructed properties.
🔹 For Constructed Houses
- Last paid original water bill (mandatory).
- Clearance from Maintenance Branch regarding water billing installment (if applicable).
📦 Notes & Important Instructions
- Original Allocation, Intimation, Allotment, or Transfer Letters, and NOC (GHQ) must be surrendered to DHA at the time of transfer.
- For Phase 1–4, original Sale Deed (if applicable) must be submitted.
- For Phase 5 & 8 (Ex Park View), submit the original Share Certificate (if applicable).
- Transfer Fee and any other dues must be paid at least two (2) days before transfer.
- Minor’s physical appearance is mandatory at the time of transfer, even if a guardian has already been appointed by the court.
- In the case of NOKs of Shuhadas/WWPs/JCOs, an endorsement stamp from the Property Exchange Branch is required before NDC submission.
📆 Validity Period of DHA Lahore NDC
| Property Type | Validity Period |
| House / Building | 30 Days |
| Non-Possession / Possession Plot | 90 Days |
| Court Order Transfer | 120 Days |
🕒 If the transfer takes place in the following month after applying for NDC, the applicant must clear updated dues before the transfer.
Note:
For sellers residing abroad, the validity period for Building / Non-Possession / Possession Plots is 90 days.
✅ Step-by-Step DHA Lahore NDC Process
- Collect required documents (listed above).
- Submit application at DHA Lahore Transfer & Record Branch.
- Pay applicable dues and transfer fees.
- Wait for DHA verification of documents and dues clearance.
- Receive the NDC once DHA confirms there are no pending charges.
- Proceed to transfer appointment within the NDC validity period.
💡 Pro Tips by
Islam Estate
®
- Always double-check dues and tax clearances before applying for NDC.
- Make sure all CNICs and documents are valid and legible.
- If your property is constructed, utility bills and tax receipts must be updated.
- For overseas sellers, consider authorizing a representative through an attested Power of Attorney.
- Keep copies of all surrendered originals for record purposes.
🏠 About Islam Estate
Islam Estate®️ is a DHA Authorized Real Estate Company dealing in buying, selling, and renting properties across DHA Lahore and other DHA cities in Pakistan.
We provide professional consultancy, secure property transfers, and up-to-date DHA file rates for both residential and commercial investments.
📞 Call or WhatsApp: 0321-4000646
🌐 Website: www.DhaRealEstate.pk
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