Affidavit vs Allocation File in DHA Gujranwala — Which Should You Buy?

An allocation file is issued directly by DHA. It is DHA's own allotment letter, stating that a specific file (by size and category) is allocated in the buyer's name in DHA's record. Because it comes from DHA itself, it is the cleaner document: verification is straightforward, the chain of ownership is short, and DHA's transfer office processes it routinely.

Allocation files trade at a premium to affidavit files of the same size — you are paying for the cleaner paperwork and the lower risk.

An affidavit file is a file whose transfer from the previous holder was executed through a sworn affidavit rather than a direct DHA allocation letter. In practice: the seller swears a legal affidavit transferring their rights in the file to the buyer, and the file continues to be processed through DHA's system on that basis.

Affidavit files are fully tradable and widely bought and sold in DHA Gujranwala's file market. They trade at a discount to allocation files — typically the cheapest entry point into a given file size. The discount prices two things: slightly more paperwork at transfer time, and the fact that some buyers simply prefer DHA-issued documents.

As of October 2026, affidavit files consistently trade below allocation files of the same size — check the live file rates board for today's exact gap. The gap widens when the market is nervous (buyers pay up for safety) and narrows when sentiment is strong.

For investors, that gap is the opportunity: buy the affidavit discount, and if DHA's documentation processes treat both identically at balloting — as they have in past ballots — the discount compresses into profit. For end-users planning to build, the allocation premium is often worth paying for the simplest possible paperwork.

Buy allocation if: you are an end-user, you are buying from abroad and want the simplest verification, or you dislike paperwork risk of any kind.

Buy affidavit if: you are an investor hunting entry-price advantage, you understand the transfer documentation, and your dealer verifies the affidavit chain before token money.

Either way: verify the file number with DHA, confirm dues clearance (NDC) in writing, and never pay token money on an unverified file. The document type changes the price and the paperwork — it does not change the verification rule. Overseas buyers should also read the overseas safe buying guide; fee sequencing lives on transfer fees & process.

1. Verification first. File number checked against DHA's record; affidavit chain reviewed document by document.
2. Dues clearance. NDC or written clearance obtained — same as any file purchase.
3. Token agreement on stamp paper, referencing the file number, the affidavit basis, price, and forfeiture terms.
4. Affidavit execution. The seller executes the sworn affidavit transferring rights; your dealer/legal counsel reviews it before you sign anything.
5. DHA transfer appointment. Both parties (or POA holders) complete biometric verification and DHA processes the transfer with the affidavit documentation on file.
6. Collect everything. Transferred documents, affidavit copies, receipts, NDC — scanned and filed.

The process has two or three more documents than an allocation transfer. That's the entire difference — not a different legal universe, just more paper.

An affidavit file's history is a chain of sworn transfers. Before token money, confirm:

• Every link in the chain is documented — each previous transfer has its affidavit on record, with names and dates consistent.
• The current seller is the last link — the person selling to you must be the person the most recent affidavit names.
• No gaps or overwrites — a missing link or two affidavits covering the same transfer is a stop sign, not a negotiation point.

Your dealer should walk you through the chain page by page. If they can't produce it, the file isn't verifiable — and unverifiable files don't get token money. Ask Eman to review an affidavit chain on WhatsApp →

The affidavit–allocation gap moves with the market. Don't trade on this article's examples alone — check today's numbers on the live file rates board, which tracks both file types across 5 Marla, 10 Marla, and 1 Kanal, updated daily.

For broader product choice, see files vs plots, balloting context on Files Smart Ballot 2026, and the buying guide hub. Sector and project context stays on the DHA Gujranwala hub; plot asks live on the plot rates board.