How Property Transfer Works in Pakistan

Transferring property ownership is a formal legal process involving government offices, verified documents, and taxes. Here’s how it works step-by-step.

Step 1: Sale Agreement

The buyer and seller agree on the price, payment method, and transfer date. A written Sale Agreement is prepared and signed by both parties.

Step 2: Document Verification

The buyer verifies the following:

• Original Title Deed / Allotment Letter
• NOC from the housing society
• Tax clearance certificates
• Fard (Ownership Record) from the land authority

Step 3: Stamp Duty and Taxes

Before transfer, both parties pay applicable taxes (usually 3%–5% of the property value).
These include Stamp Duty, Capital Value Tax (CVT), and Withholding Tax.

Step 4: Submission to Registrar Office

All verified documents, along with payment receipts, are submitted to the Sub-Registrar Office for official record entry.

Step 5: Transfer Deed Execution

Both buyer and seller (or their legal representatives) appear in person before the registrar to sign the Transfer Deed.

Step 6: Issuance of New Ownership Record

The property is officially transferred to the buyer’s name, and a new Sale Deed or Transfer Letter is issued.

Tip: Always ensure that payment is made through bank transfer or pay order for traceability and safety.