✅ Before You Begin: The Crucial Pre-Transfer Checklist

✔ Verify Seller Ownership

Check the original allotment letter, ownership documents, and CNIC.
This protects you from fraud (Insert link to: Avoiding Real Estate Scams Checklist).

✔ Check for Encumbrances

Ensure the plot is free from mortgages, liens, or legal disputes.
Request a bank encumbrance certificate.

✔ Confirm Society Dues

Verify outstanding dues (development charges, utilities) with the society or authority (LDA, RUDA, etc.).

✔ Agree on Terms

Confirm sale price, payment schedule, transfer charges & stamp duty responsibilities.

🧭 The Definitive Step-by-Step Plot Transfer Procedure in Lahore

Step 1: Execute the Sale Agreement (Bayana Agreement) 🤝

Action: Draft a comprehensive agreement with all terms, sale price, and payment schedule.
Documentation: Signed by both parties & witnesses.
Financial: Buyer pays token advance (Bayana).

Step 2: Obtain the No Objection Certificate (NOC) 📄

Action: Seller submits NOC application to the relevant authority/society.
Required Documents:

• Application Form

• Seller CNIC Copy

• Buyer CNIC Copy

• Original Allotment Letter & Membership Documents

• Latest Fee Receipts

Verification: Authority verifies documents and clears dues before issuing NOC.

Step 3: Pay the Capital Value Tax (CVT) 💰

Action: Buyer pays CVT at designated bank.
Basis: % of FBR value or declared sale price (whichever is higher).
Output: Paid CVT challan (mandatory for next step).

Step 4: Execute the Sale Deed (Registry) at Registrar Office 🖋️

Both parties + 2 witnesses must be present.

Required Documents:

• Original stamped Sale Deed

• Seller CNIC (copy)

• Buyer CNIC (copy)

• Witness CNIC copies

• NOC

• Paid CVT challan

• Chain of title documents

• Passport-sized photos

Process: Sub-registrar verifies documents, records statements, and registers the sale deed.

Step 5: Apply for Mutation (Intiqal) 📝

Action: Buyer applies for Intiqal at the municipal authority.
Documentation: Registered Sale Deed + required forms.
Outcome: Buyer is officially recorded as the owner in revenue/tax records.

📋 Required Documents Checklist

2. Original Allotment Letter & Membership Docs

3. Previous Registered Sale Deed (if any)

4. Latest Utility Bill Receipts

5. No Dues Certificate

6. Passport Photos |
   | Buyer | 1. Original CNIC

7. Passport Photos

8. Proof of Income / Filer Certificate |

⚠️ Crucial Mistakes to Avoid

❌ Skipping the NOC

Transfer is invalid without NOC.

❌ Under-Valuing the Property

Can trigger penalties, legal issues.

❌ Using Unregistered Agents

Always choose licensed dealers/legal advisors.

❌ Ignoring Mutation

Without it, you can’t sell or obtain utilities.

✅ Conclusion: Your Pathway to Secure Ownership

Following the Plot Transfer Procedure in Lahore protects your investment and ensures ironclad legal ownership. With this guide, you can avoid costly mistakes and complete your transfer with confidence.