{"id":1960,"date":"2021-06-21T16:03:37","date_gmt":"2021-06-21T16:03:37","guid":{"rendered":"https:\/\/www.propertypistol.com\/blog\/?p=1960"},"modified":"2021-06-21T16:57:50","modified_gmt":"2021-06-21T16:57:50","slug":"5-essentials-to-know-how-epf-can-help-you-buy-your-dream-house","status":"publish","type":"post","link":"https:\/\/www.propertypistol.com\/blog\/5-essentials-to-know-how-epf-can-help-you-buy-your-dream-house\/","title":{"rendered":"5 Essentials to know &#8211; how EPF can help you buy your dream house?"},"content":{"rendered":"\n<p><em>Have you ever thought if you can tap into EPFO savings to <a href=\"https:\/\/www.propertypistol.com\/blog\/money-is-no-bar-for-millennials-when-it-comes-to-their-dream-home-post-covid-19\/\">buy your dream house?<\/a> You might feel butterflies in your stomach if I tell you that it is true. But the question is if you must do it? There is a major reason for not doing it &#8211; EPFO is for safeguarding your retirement.\u00a0<\/em><\/p>\n\n\n\n<!--more-->\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a-1024x1024.jpg\" alt=\"\" class=\"wp-image-1993\" width=\"347\" height=\"347\" srcset=\"https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a-1024x1024.jpg 1024w, https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a-150x150.jpg 150w, https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a-300x300.jpg 300w, https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a-768x768.jpg 768w, https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a-250x250.jpg 250w, https:\/\/www.propertypistol.com\/blog\/wp-content\/uploads\/2021\/06\/KnowYourRealEstate-a.jpg 1080w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/figure><\/div>\n\n\n\n<p>Apart from this, the <a href=\"https:\/\/www.propertypistol.com\/blog\/measures-by-the-government-that-could-revive-real-estate\/\">government of India<\/a> has already introduced an EPF <a href=\"https:\/\/www.propertypistol.com\/blog\/multiple-state-government-cuts-stamp-duty-to-promote-affordable-housing\/\">housing scheme<\/a> for all PF members that helps buy your dream house. Here is everything you need to know about how the EPF housing scheme can help you buy your dream house.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.propertypistol.com\/blog\/5-essentials-to-know-how-epf-can-help-you-buy-your-dream-house\/#What_is_the_EPF_housing_scheme\" title=\"What is the EPF housing scheme?\">What is the EPF housing scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.propertypistol.com\/blog\/5-essentials-to-know-how-epf-can-help-you-buy-your-dream-house\/#Some_features_of_this_scheme_are\" title=\"Some features of this scheme are:\">Some features of this scheme are:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.propertypistol.com\/blog\/5-essentials-to-know-how-epf-can-help-you-buy-your-dream-house\/#Five_essential_things_to_know_before_applying_for_the_scheme\" title=\"Five essential things to know before applying for the scheme\">Five essential things to know before applying for the scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.propertypistol.com\/blog\/5-essentials-to-know-how-epf-can-help-you-buy-your-dream-house\/#Buy_your_dream_home_through_EPF_housing_scheme\" title=\"Buy your dream home through EPF housing scheme\">Buy your dream home through EPF housing scheme<\/a><\/li><\/ul><\/nav><\/div>\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_EPF_housing_scheme\"><\/span><strong>What is the EPF housing scheme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>To achieve the government\u2019s objective of \u201cHousing for All\u201d by 2022, the EPF housing scheme was introduced in 2017, especially for middle-class real estate buyers.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_features_of_this_scheme_are\"><\/span>Some features of this scheme are:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<ul class=\"wp-block-list\"><li>Withdrawal of up to 90% of accumulation in Provident Fund Account(s)<\/li><li>Assistance in building one million houses in upcoming years<\/li><li>Payment directly to real estate agency<\/li><li>Besides lump sum withdrawal, EPFO members can also choose part or full loan repayment out of monthly PF contributions<\/li><li>Provision of EMI for loan repayment<\/li><li>Withdrawal allowed only once<\/li><li>PF membership of three years minimum is required to apply for the scheme<\/li><li>Minimum INR 20,000 must be maintained in individual or including spouse\u2019s PF account<\/li><li>Purchase your dream home from any government or housing agency registered under the scheme<\/li><li>Avail interest subsidy up to INR 2.20 lakhs in Credit Linked Subsidy Scheme (CLSS)<\/li><li>Scheme and subsidy disbursed by Ministry of Housing and Urban Poverty Alleviation (MoHUPA), Government of India through HUDCO and National Housing Bank<\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Five_essential_things_to_know_before_applying_for_the_scheme\"><\/span><strong>Five essential things to know before applying for the scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>EPF Withdrawal Rules<\/strong><\/li><\/ul>\n\n\n\n<p>EPFO members withdrawing money must note that this facility can only be availed if the members are registered under a housing society having 10 or more members. Besides, you must also maintain INR 20,000 in individual accounts or including that of your spouse\u2019s PF account.<\/p>\n\n\n\n<p>While 90% of the accumulated amount can be withdrawn, here are some things to note:<\/p>\n\n\n\n<table class=\"wp-block-table has-subtle-pale-blue-background-color has-fixed-layout has-background\"><tbody><tr><td><strong>Reason to Withdraw PF     Amount<\/strong><\/td><td><strong>Withdrawal Cap<\/strong><\/td><\/tr><tr><td>To buy plot<\/td><td>Basic salary of 24 months and dearness allowance<\/td><\/tr><tr><td>To build a house\/ buy ready-to-move-in real estate property\/ repay home loan in a lump sum or EMI<\/td><td>Basic salary of 36 months and dearness allowance<\/td><\/tr><tr><td>To renovate existing real estate property<\/td><td>Basic salary of 12 months and dearness allowance<\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Money withdrawal process from EPF housing scheme<\/strong><\/li><\/ul>\n\n\n\n<p>After becoming a member of a housing society, you can apply for PF withdrawal to buy your dream home. Applications for the same can be submitted online or at your nearest EPFO office.<\/p>\n\n\n\n<p>To apply, keep the following documents handy:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Universal Account Number (UAN)<\/li><li>Aadhaar number linked with UAN<\/li><li>PAN linked with Aadhaar or UAN<\/li><li>Bank details registered with UAN<\/li><\/ul>\n\n\n\n<p>To apply for a home loan through housing societies, members must submit Annexure I and relevant documents on the EPFO website to the EPF Commissioner.<\/p>\n\n\n\n<p>To apply for PF withdrawal for loan repayment, submit Annexure I and Annexure III along with the required documents.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Tax on withdrawal<\/strong><\/li><\/ul>\n\n\n\n<p>Tax is applicable on withdrawal of PF amount for financial distress caused by reasons other than <a href=\"https:\/\/www.propertypistol.com\/blog\/smart-tips-to-reduce-the-interest-rate-on-your-home-loan\/\">COVID-19<\/a> wherein your PF balance is INR 30,000 or more at the time of withdrawal. Also, if the member has not completed five years with the EPFO and the withdrawal amount is more than INR 50,000, it is subject to tax laws. Under section 192A of the IT Act, 10% TDS is applicable on withdrawals (linked with PAN) above INR 50,000. However, 34% TDS is charged if the withdrawals are made without PAN. If your total income is below the taxable limit (INR 5 lakhs in most cases), you can submit Form 15G and 15H to avoid TDS.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Eligibility and other criteria<\/strong><\/li><\/ul>\n\n\n\n<p>A person is only eligible for withdrawals under the EPF housing scheme if they have been a consecutive member of the EPFO scheme for three or more years. It not only reduces the real estate loan amount but also reduces the interest on home loans. It must be noted that the payments are made directly to the housing society or the bank mentioned in the documents and not your personal account.<\/p>\n\n\n\n<p>However, if you resign or leave your current job, the amount available in your EPF account is depleted directly. EPFO is not liable for any payment or benefits in such scenarios.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Loan repayment facility<\/strong><\/li><\/ul>\n\n\n\n<p>There are multiple avenues to fund the purchase of your dream home. Even the loan repayment can be done in easy instalments. <a href=\"https:\/\/propertypistol.com\/loan-service\">EMIs<\/a> can be made directly to the bank or society from future PF contributions. However, the details can be confirmed during the loan application process.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Buy_your_dream_home_through_EPF_housing_scheme\"><\/span><strong>Buy your <a href=\"https:\/\/propertypistol.com\/\">dream home<\/a> through EPF housing scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>If you are aware of your monthly or daily spending&#8217;s and can afford to buy a home, this scheme is definitely for you. However, if you can not pay a lump sum for purchasing your dream home, the scheme also has various provisions.<\/p>\n\n\n\n<p>Either way, the EPF housing scheme is only available to make sure you can buy your dream home even if you do not have full cash flow.&nbsp;<\/p>\n\n\n\n<p style=\"font-size:12px\"><em><strong>Disclaimer:&nbsp;<\/strong>The views expressed above are for informational purposes only based on industry reports and related news stories. PropertyPistol does not guarantee the accuracy, completeness, or reliability of the information and shall not be held responsible for any action taken based on the published information<\/em>.\n\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever thought if you can tap into EPFO savings to buy your dream house? You might feel butterflies in your stomach if I tell you that it is true. But the question is if you must do it? There is a major reason for not doing it &#8211; EPFO is for safeguarding your [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[85],"tags":[117],"class_list":["post-1960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loan-finance","tag-epf","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Employees&#039; Provident Fund (EPF) Can Assist You Buy Your Dream Home? - PropertyPistol Blog<\/title>\n<meta name=\"description\" content=\"How Employees&#039; Provident Fund (EPF) can help you to get your Dream House? 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