Absolutely — here’s a complete, updated step-by-step process for property file transfer in Rawalpindi housing schemes, now including:
- Where filer/non-filer taxes are paid
- Which offices are involved
- Buyer and seller responsibilities
🏠 Standard Process of File Transfer in Rawalpindi Housing Schemes
(DHA, Bahria Town, Gulshanabad, etc.)
🔹 Step 1: File Verification
- Visit society’s head office or transfer department.
- Confirm file is genuine, open, and free of litigation or dues.
🔹 Step 2: Token Money / Bayana
- Buyer and seller agree on price.
- Buyer pays a token to reserve the deal.
- Private agreement may be written.
🔹 Step 3: No Demand Certificate (NDC)
- Seller applies for NDC from the society office.
- NDC shows no outstanding dues.
- Society schedules a transfer appointment date (usually valid 5–10 days).
🔹 Step 4: Government Taxes – Buyer Pays
✅ What to Pay (Buyer)
| Buyer Status | Tax (Section 236K) |
|---|---|
| Filer | 2% of DC/FBR value |
| Non-Filer | 4% of DC/FBR value |
🏛️ Where to Pay
- Taxes are not paid at the society office.
- You must pay via:
FBR Tax Payment System (PSID Challan)
Banks (HBL, MCB, UBL, etc.) or online via FBR’s website
📄 What You Need:
- CNIC
- Property details (block, size, plot number, society)
- Know the DC or FBR valuation (society can help)
💡 Save the paid challan/PSID – it will be submitted during transfer.
🔹 Step 5: Transfer Appointment (Final Meeting)
- Both buyer and seller appear at society’s Transfer Office (e.g., Bahria Head Office or DHA Phase 1 Office).
- Submit:
- Paid tax challan (PSID)
- NDC
- CNIC copies
- Affidavits (on stamp paper)
- Original file
- Society transfer fee (paid separately)
🔹 Step 6: File is Transferred
- Buyer and seller sign in front of the transfer officer.
- Thumb impressions are recorded.
- Society issues a new file or allocation letter in buyer’s name.
🔹 Step 7: Seller’s Tax Responsibility (CGT)
| Requirement | Filer Seller | Non-Filer Seller |
|---|---|---|
| Capital Gains Tax | Yes (if profit made) | Yes (same, but less control) |
| Filing tax return | Required to claim exemptions (like 3+ year holding) | Not available to non-filers |
| Society collects it? | ❌ No | ❌ No |
Seller pays Capital Gains Tax directly via FBR, often later when filing tax return.
✅ Summary of Where Taxes Are Paid
| Tax Type | Who Pays | Where to Pay | Amount (Roughly) |
|---|---|---|---|
| Advance Tax (236K) | Buyer | FBR PSID → Bank or Online | 2% (filer), 4% (non-filer) |
| Transfer Fee | Buyer | Society Office | Depends on plot size |
| CGT (Capital Gains) | Seller | FBR (when filing tax return) | 0–15% depending on holding period |
Let me know the name of your housing scheme, and I can help you:
- Find the exact transfer office address
- Calculate the exact tax
- Create a PSID challan if needed