What clause 8 actually says
The transfer will be allowed after deposit of 20% Payment (100% for Lump Sum Plan) alongwith applicable DHA Charges & Government Taxes through normal transfer procedure and remaining instalment plan will be carried forward to the new purchaser of Intimation rights. However, the applicant of Lump sum payment plan, shall be issued with Allotment Letter (Title document) who shall have the absolute right to transfer the title of plot.
Read that twice. It creates two classes of holder.
| Lump-sum buyer | Instalment buyer | |
|---|---|---|
| Document held | Allotment Letter — the title document | Intimation rights |
| Right to transfer | Right to transfer the title (clause 8 calls it “absolute”; clause 11 makes it conditional on continued compliance with the form and the project bye-laws) | Transferable once 20% is paid, through the normal procedure |
| What the buyer receives | Title to the plot | Your position in the queue, plus your remaining instalment schedule |
| Ongoing obligation | No instalments. The letter stays conditional on continued compliance with the form and the project bye-laws (clauses 11 and 12) | Quarterly instalments, on time, subject to clause 9 default |
| Exposure to clause 10 | Not excluded. Clause 10 covers any cancellation under the form’s terms, including for incorrect information, not only instalment default (clause 9) | Yes — 20% of the total deposited if DHA cancels, for example after a clause 9 default |
Why this is the most expensive misunderstanding in the market
In everyday conversation both are called “a plot”. In the market both get advertised as “plot for sale in Margalla Enclave”. But when you buy Intimation rights you are buying an obligation as well as an asset. Clause 8 is explicit that the remaining instalment plan carries forward to you.
Take a 1 Kanal on the 3-year plan where the seller has paid the down payment and four quarters. You are not buying a plot for the premium. You are buying the right to keep paying PKR 5,666,667 every quarter for two more years — and you cannot switch to a plan you prefer, because clause 7 fixes the plan permanently.
The question that settles it. “Are you selling me an Allotment Letter or Intimation rights?” If the answer is vague, or if you get “same thing”, stop. It is not the same thing, it is written in the contract that it is not the same thing, and a seller who does not know that should not be handling your money.
Which should you buy?
Neither is better in the abstract; they suit different people.
- An Allotment Letter costs more up front, has no instalments to default on, and is the cleaner asset to resell. It is not unconditional: clauses 10 to 12 still apply. If you have the capital, this is the simpler life.
- Intimation rights let you enter at a lower cash outlay and take the seller’s place. That leverage cuts both ways: if your circumstances change and you default under clause 9, clause 10 takes 20% of everything deposited — including what the previous holder paid, if it counts toward your deposited total. Establish that point with DHA in writing before you buy.
Before you buy either
- Verify the document at DHA in person — genuine, current, in the seller’s name.
- Ask DHA what is outstanding, including surcharges.
- Get the remaining instalment schedule in writing, with dates.
- Confirm the transfer fee and who pays it.
- Run the full checklist.
Questions people ask
What is the difference between a file and a plot in Margalla Enclave?
Under clause 8 of the application form, a buyer who pays the full lump sum is issued an Allotment Letter, the title document, with what the clause calls an absolute right to transfer the plot; clause 11 makes it conditional on continued compliance with the form and the project bye-laws. A buyer on a 1, 2 or 3-year instalment plan holds Intimation rights instead, transferable once 20% is paid, with the remaining instalments carried over to the buyer.
Can I transfer a Margalla Enclave plot before paying in full?
Yes. Clause 8 allows transfer after 20% has been paid on an instalment plan, together with applicable DHA charges and government taxes, through the normal transfer procedure. What transfers is the Intimation right, not title.
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Not sure which one you have been offered?
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