Margalla Enclave Payment Plan 2026: Ballot vs File vs Resale

Search “Margalla Enclave 5 Marla price” and you will find 1.55 Crore, 1.8 Crore, 2.1 Crore — and listings at 60 Lac. None of these pages is necessarily wrong. They are pricing four different things and labelling all four “the price”. Here is the decoder — and, as of 28 August 2026, the official answer for the current round: DHA’s own 3rd-ballot table, pulled from its portal and transcribed below.

1 — The ballot price (what DHA charges)

The official, published price for the current ballot round. It changes by round — the second round priced roughly 30% above the first. Lump sum is the base; the 1, 2 and 3-year quarterly plans carry a built-in premium. For the current round the guessing is over — the table below is DHA’s own.

The official 3rd-ballot schedule — from DHA’s own portal

Pulled from DHA’s Margalla Enclave portal on 28 August 2026 and transcribed exactly. This is the table behind every dealer quote for the current round — and it settles the “1.55 or 1.8 or 2.1 Crore?” confusion: the official 5 Marla lump sum is PKR 21,434,375 (≈2.14 Crore).

All figures PKR, exclusive of applicable DHA charges and government taxes (DHA’s own note). Down payment for this round: 20% within 30 days of ballot; processing fee non-refundable.

What the official numbers reveal: the 5 Marla lump sum has climbed from 1.55 Crore at launch to 2.14 Crore in the 3rd ballot — up about 38% across the rounds — and the 3-year plan still prices about 16–17% above lump sum, the same financing structure as launch. Commercial runs from 100 sq yd at 81.45 million lump to 500 sq yd at 342.95 million (20% down, same quarterly ladder).

The exact quarterly instalment — every size, every plan

DHA publishes the sale price and the plan length. It does not publish the cheque you actually write every three months, so here it is: sale price less the 20% down payment, divided by the number of quarters. Figures derived from the official table on DHA’s application form dated 14 August 2026.

The lump-sum rebate DHA never states as a number

DHA’s own FAQ says only that “Lump Sum payment already incorporates the rebate”. Do the subtraction and the rebate turns out to be a flat 14.26% on every residential size — identical for 5 Marla, 10 Marla and 1 Kanal, which is itself a tell that it is a policy rate rather than a negotiation.

Read the other way round, the three-year plan costs 16.64% more than paying cash. Spread over the roughly 1.6-year average life of the money, that is an implied financing cost in the region of 10–11% a year — the arithmetic is exact, the comparison to a bank plot loan is ours and you should price your own alternatives.

Per square yard, the lump-sum rates are Rs 171,475 for 125 sq yd, Rs 168,045 for 250 sq yd and Rs 145,754 for 500 sq yd. A 1 Kanal plot is 15.0% cheaper per square yard than a 5 Marla plot on the same land: the small-plot convenience premium works out at about Rs 25,721 per square yard.

All figures derived from DHA’s application form (PDF, created 14 Aug 2026), read 1 September 2026. See what it costs to enter the ballot for the processing fees, the category premium and the refund rule.

2 — The file price (what the secondary market charges)

Lose the ballot, or miss the window, and you can buy someone's allotment — a file. Here is where listings get misleading: a “5 Marla at 60–85 Lac” file usually means you pay the seller their paid-up instalments plus a premium, and the remaining instalments to DHA stay on your shoulders. The listing figure is the ticket in, not the total cost. Always compute: premium + paid-up + remaining instalments + transfer fee.

Working out a specific file’s transfer cost? Our sister site, margallaenclaveplots.pk has a dedicated 236K/236C/DHA-fee calculator for Margalla Enclave resales.

3 — The resale price (paid-up or possession plots)

A fully paid file, or a plot in ME-2's delivered-possession streets, trades close to or above the current ballot price — you are paying for zero remaining liability and, in ME-2, for the only proven possession in the project. Profit on any resale is realised at official DHA transfer, which is exactly what keeps this market documented and safe.

So which should you buy?

• Ballot: cheapest clean entry if you win; cost of losing is only time. Best for patient, documented money.
• File: instant entry, real total cost hidden behind the sticker. Only with our full computation in front of you.
• Resale/possession: most expensive, least uncertainty. The ME-2 possession streets are the project's blue chip.

“Margalla Enclave Phase 2” — what that phrase actually refers to

People search for a Margalla Enclave Phase 2 location, payment plan and map — so here is the honest answer, checked 27 August 2026: DHA has announced no scheme called “Margalla Enclave Phase 2”. No official notification, no published Phase-2 payment plan, no Phase-2 map exists. What the phrase gets used for in practice:

• The later ballot rounds of the same project — the 2nd (Nov 2025) and current 3rd ballot are sometimes marketed as “phases”. Same land, same blocks (ME-1–ME-4 + Lake District), new price round.
• DHA Islamabad-Rawalpindi’s own Phases 1–6 — a different thing entirely: those are DHA’s established phases elsewhere in the twin cities, not part of Margalla Enclave.
• Neighbouring launches — most often Margalla Orchard on Park Road, a separate FGEHA-SCBA scheme DHA joined in Sep 2025, which some dealers pitch as “Margalla phase 2”.

If someone offers you a “Phase 2” file with its own payment plan, ask which of these three it really is — and demand the official document that names it. If a genuine Phase 2 is ever announced, this page carries it the day the notification exists.