Use your PF to repay home loan EMI, purchase a house, construct a home, or buy a plot. Expert help for Form 31, eligibility, and fast approval. Make your dream home a reality.
Housing Advance Approved
Under the EPF scheme, members can withdraw a portion of their PF for housing-related needs, including purchase of a house/flat, construction, plot purchase, or repayment of home loan. This is a partial withdrawal (advance) under Form 31 and does not require you to quit your job. Our service helps you understand eligibility, calculate the maximum amount, prepare the application, and ensure quick approval for your housing needs.
Maximum withdrawal: 36 months' basic + DA or employee's share + interest (whichever is lower). For home loan repayment, the limit is higher.
At least 5 years of continuous service required for housing advance. Lower for certain categories? Generally, 5 years is the norm.
For home loan repayment, you can withdraw up to 36 months' basic + DA or the outstanding loan balance, whichever is lower. Evidence of loan required.
Withdraw PF for buying a ready house or flat. Documents: agreement, sale deed, etc.
Withdraw for building a new house on owned land or extension of existing house.
Withdraw to buy land for constructing a house (must construct within 5 years).
Withdraw PF to repay principal and interest of existing home loan from bank/approved institution.
Withdraw for repairs/additions to existing house (lower limit).
Expert drafting of Form 31 with correct purpose code (Housing – Code 03/04). We assist in obtaining and verifying property documents, loan statements, etc.
Verify service years (minimum 5 years) and available balance for withdrawal.
Gather property documents, loan statements, agreement, and proof of relationship (if joint ownership).
Fill Form 31 with correct purpose code (03 for house purchase/construction, 04 for loan repayment), accurate amount, and attach documents.
Coordinate with employer for online approval and digital signature.
Submit claim online, track status, resolve any objections, and ensure amount credited.
We help you organize and certify all documents as per EPFO requirements.
Let us help you withdraw your PF for home loan repayment, house purchase, or construction. Fast processing and expert documentation.
Apply for Housing Advance →✅ 1200+ housing claims | 🔒 Fast processing | ⚡ 10-15 day approval
