How DHA file transfer actually works
Reservation, token, balance, DHA office, certificate. Eight clear stages — same paperwork, whether you're in Lahore or in London.
The full timeline
Eight stages from reservation to certificate
Every MFX transfer goes through this exact sequence. You see the same timeline live on your dashboard.
Reservation + token
You reserve a file with 1% token. Auto-generated agreement issued instantly with a unique wire reference.
Token confirmation
MFX ops match your wire to the reference within 24 hours and flip your reservation to Token Received.
Documents preparing
Procurement pulls original file documents and prepares all transfer paperwork required by the DHA office.
DHA appointment scheduled
We book a specific DHA office appointment and confirm the date with you on your dashboard.
Transfer in progress
MFX representative attends the DHA office (or you, if you chose the in-person path) and executes the transfer.
Transfer complete
DHA confirms the new owner. The file is officially in your name in the DHA registry.
Certificate issued
MFX generates a Certificate of Verification PDF, signs it, embeds a QR, and emails it to you.
Closed
The transaction is closed in your dashboard. The certificate, agreements, and full audit trail are kept forever.
What you actually do
Your part of the process is small
MFX absorbs the operational complexity. As a buyer, you have only a few real touch points.
Wire the token
1% of asking price. To the MFX (Pvt) Ltd corporate account, with the unique reference in the memo.
Wire the balance
Once token is confirmed, wire the remaining 99% on a defined deadline. Same corporate account, same reference.
(Overseas only) Sign the PoA
Sign a digital Power of Attorney on the platform. Counter-signed and notarized by MFX representative.
(Local only) Show up at DHA
If you're attending in person, our ops books a slot, and you sign at the DHA office with our representative.
What MFX does
Behind the scenes, every transfer is choreographed
Pre-listing verification
Procurement confirms the file at DHA, runs lien check, court-record screen, and identity check before listing.
DHA appointment + attendance
Ops books the appointment, prepares all paperwork, and attends the office to execute the transfer.
Account manager (overseas)
Every NICOP-holder customer gets a dedicated account manager with a 24-hour response SLA on email/WhatsApp.
Certificate + audit trail
On transfer complete, we generate a signed Certificate of Verification PDF and keep the full audit trail forever.
Common questions
How long does the whole transfer take?
From token confirmation to ownership: 72 hours for overseas buyers using digital PoA. For locals attending in person, depending on DHA scheduling, typically 5-10 business days.
Do I need to be a Pakistani resident?
No. NICOP holders (overseas Pakistanis) can buy and transfer DHA files. Foreign nationals have additional restrictions — contact us before reserving if you're not a citizen.
What documents do I need?
CNIC for locals, NICOP for overseas. For overseas digital PoA, additional ID verification per Clerk + MOFA process. We'll guide you in your dashboard once you reserve.
What happens if DHA refuses the transfer?
Rare for files MFX has pre-verified, but if it happens, MFX issues a full refund of your token within 7 business days and absorbs any fees. The agreement covers this.
Can I track all of this live?
Yes. Your dashboard shows a real-time timeline with stage updates, attached documents, and notes from your account manager.
See it live in 2 minutes
Browse a file, hit reserve, and see the entire workflow appear on your dashboard.
Keep reading
What is a DHA file?
Plain-English explainer of allocation, affidavit, sizes, and how files trade.
Read more
Digital PoA for DHA transfer
How overseas Pakistanis sign a Power of Attorney online so MFX can attend DHA on their behalf.
Read more
Avoid DHA file fraud
Common scams in the file market — and how to spot them before you wire.
Read more