On this page
- Margalla Enclave payment plan at a glance
- What payment options are there?
- How does payment work from ballot to allotment?
- What happens if you miss a payment?
- What extra charges should you budget for?
- What should you check when buying a file that is still on instalments?
- Which plan suits you?
- How Pak Zameen Estate can help
- Frequently asked questions
- Sources
- Related guides
The Margalla Enclave payment plan lets successful applicants pay the full price at once, or spread it over one, two or three years after a 15% down payment.
These terms come from the official Margalla Enclave site run by CDA and DHA Islamabad. The site sets out deadlines, penalties and refund rules. It does not publish plot prices.
The deadlines are strict. A missed down payment cancels a booking automatically. Read the rules below before you apply or buy a file mid-plan.
Margalla Enclave payment plan at a glance
- Options: lump sum (100%), or a 1, 2 or 3 year plan.
- Down payment on instalment plans: 15%, due within 30 days of the ballot.
- Missed down payment: the booking is cancelled automatically.
- Two missed instalments in a row: cancellation after a notice.
- Cancellation refund: 20% of the amount paid is deducted, and the rest is paid within 120 days.
- Special plots: corner, boulevard and park-facing plots cost 10% extra, capped at 15% for plots in more than one category.
What payment options are there?
Buying or selling in Islamabad?
Pak Zameen Estate has handled Islamabad property deals since 1988. Send us the details and we'll tell you what to check first.
Talk to us on WhatsApp →| Down payment | Balance paid over | |
|---|---|---|
| Lump sum | 100% | Not applicable |
| 1 year plan | 15% | 1 year |
| 2 year plan | 15% | 2 years |
| 3 year plan | 15% | 3 years |
The one, two and three year plans were part of the scheme from launch, Dawn reported in January 2025. The official site does not say how often instalments fall due within each plan. Ask DHA for the exact schedule attached to your allotment.
How does payment work from ballot to allotment?
Get your ballot result
Results are emailed to successful applicants, posted on the DHA Islamabad-Rawalpindi website and couriered to your postal address.
Pay the down payment within 30 days
Pay 15% for an instalment plan, or 100% for lump sum. Kuickpay, pay order and bank draft are accepted. Pay orders are made out to Margalla Enclave.
Receive the intimation letter
DHA issues an intimation letter once the down payment, charges and taxes are deposited.
Pay instalments on time
Keep every receipt. Two consecutive missed instalments can lead to cancellation after a notice.
Clear the full price for the allotment letter
The allotment letter is issued only after the full sale price and all other dues are paid.
Get building approval for possession
Possession for construction is given after your building design is approved under CDA construction bye-laws.
What happens if you miss a payment?
The rules differ for the down payment and the instalments. Missing the 30-day down payment deadline cancels the booking automatically, with no notice. Missing two instalments in a row leads to cancellation after DHA issues a notice.
If a booking is cancelled, 20% of the amount you deposited is deducted. The rest is refunded within 120 days, in rupees only, by demand draft, pay order or crossed cheque in the applicant's name.
What extra charges should you budget for?
- Special-category charge: 10% for a corner, boulevard or park-facing plot, up to 15% for plots in several categories.
- Government taxes: these apply on top of the price and may be revised.
- Processing fee: charged on application and not refunded.
- Transfer charges: if you buy a file from another person, ask DHA for the current transfer fee before you agree a price.
What should you check when buying a file that is still on instalments?
Many Margalla Enclave files change hands before they are fully paid. In that case you take on the remaining instalments. Check these points first.
- Every instalment due so far has been paid, with receipts matching DHA's own statement.
- No cancellation notice has been issued on the file.
- The exact amount and dates of the remaining instalments.
- Whether a special-category charge applies and has been paid.
- The intimation letter is genuine and in the seller's name.
Which plan suits you?
A longer plan lowers each payment but keeps you committed for longer. The risk of cancellation lasts as long as instalments remain.
Choose a plan you can pay even if your income drops for a few months. Overseas buyers should set up a reliable way to pay on time from abroad before they commit.
How Pak Zameen Estate can help
Pak Zameen Estate has been dealing in Islamabad property since 1988. We can check a Margalla Enclave file's payment record, explain what is still owed, and help overseas buyers keep their instalments on track. Pak Zameen Estate is an independent agent and is not affiliated with DHA or CDA.
Message us on WhatsApp to have a file's payment status checked.
This article is for general information only. It is not legal, tax or investment advice. Verify the current rules with the relevant authority, or speak to a qualified professional, before you act.
Frequently asked questions
How much is the down payment for Margalla Enclave?
On the 1, 2 and 3 year plans, the down payment is 15% of the price, according to the official project site. Lump-sum buyers pay 100%. The down payment is due within 30 days of the ballot.
What happens if I miss the Margalla Enclave down payment deadline?
The booking is cancelled automatically if the down payment is not made within 30 days of the ballot. No notice is required for this cancellation.
What happens if I miss instalments?
If you miss two instalments in a row, the booking can be cancelled after DHA issues a notice. Keep every receipt and pay through traceable bank channels.
Do I get a refund if my booking is cancelled?
Yes, partly. The official site says 20% of the deposited amount is deducted and the rest is refunded within 120 days, in rupees, by demand draft, pay order or crossed cheque.
Are corner and park-facing plots more expensive?
Yes. Special-category plots such as corner, boulevard and park-facing plots carry a 10% extra charge. A plot in more than one category is capped at 15% extra.
When do I get the allotment letter?
The allotment letter is issued only after the full sale price and all other dues are paid. Before that, you hold an intimation letter issued after the down payment.
Sources
This article is general information, not legal or financial advice. Rules, fees and timelines change. Check with CDA or a qualified lawyer before you act. Pak Zameen Estate is an independent agent, not affiliated with CDA or DHA.