What are the documents required for PF withdrawal for home purchase?

If you wish to invest in real estate or purchase a home, I would suggest one beneficial decision is to withdraw Provident Fund (PF) funds. It enables you to use the money that has accrued in your PF account to build or buy a home. You can check the PF withdrawal for home purchase documents required here.

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• Housing Agreement: A copy of the purchase or selling agreement for the property.

• Sanction Letter: If you are using a home loan, you need the sanction letter from the financial institution or bank.

• Construction/Plot Purchase Proof: For home construction, documents like the builder's agreement or land purchase documents may be required.

• Member Details Verification: Your updated Universal Account Number (UAN) details and KYC (Aadhaar, PAN, and bank account details).

• Employer Approval: Some PF withdrawal cases may require employer verification or approval.

• Form 31: The application form for PF advance withdrawal, specifying the purpose and amount.

• Aadhaar-Linked Mobile Number: OTP verification throughout the online claim process requires this.

• Cancelled Cheque: To ensure accurate bank account details for fund transfer.

The withdrawal can be processed online through the EPFO portal. Once your claim is submitted with the correct details, your employer reviews and approves the request. This is all about the documents required for PF withdrawal for house purchase.

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There was a new provision introduced by EPFO in 2017 to help people realise their dream of buying a house using their PF savings. The provision stated that in case an individual wants to buy a house, he/she can withdraw 90% of the EPF balance if they comply with all the conditions and fall in the eligibility criteria. If you want to know what are the PF withdrawal for home purchase documents required, I can help you.

There are certain rules and regulations which must be followed to get the PF amount for house purchase. In this section you will find out about information, details and EPF withdrawal for house loan documents required. 

• You must have your UAN number.

• The bank account details of EPF account holder must be given.

• Proof of membership of a registered housing society or association having 10 or more members

• The certificate from Commissioner specifying balance in PF account

• Monthly contribution records for the last 3 months

• Print out of e passbook from EPFO website

• A composite claim form (if needed)

• An undertaking by PF contributors for EMI payment

Along with the above mentioned documents and requirements here are some basic requirements that will make you eligible for EPF amount withdrawal for house purchase.

• You should be an EPFO member for at least 5 years

• The house or land purchased should be in the name of EPF account holder

• The withdrawal limit for a house purchase is up to 36 months’ basic salary + DA or total cost, whichever is less.

This is all you need to know on PF Withdrawal for Home Purchase Documents Required. Hope this was helpful.