Can I Still Use My Provident Fund for a Home Loan After Buying a Flat? Seeking Advice

I am one month short of completing 5 years since I purchased a flat a month ago. I was under the impression that I could apply for a loan from the provident fund after purchasing. However, they now inform me that I cannot apply for a loan after the purchase. Is there any guideline or circular regarding this issue? Are there any other ways to withdraw the amount from the provident fund? Please help.

For the Construction or Purchase of a Dwelling Unit (House/Flat):

Type of Advance:

- Purpose, Eligibility, Maximum Admissible Amount**, Proof/documents required under Para 68-B of the Scheme:
- Only once (either 'construction or purchase of house' or 'repayment of housing loan')
- Apply in Form-31 for the construction/purchase of a dwelling unit (house/flat)
- Should complete 5 years of service
- Only once in service
- Property should be in the name of self or spouse or jointly
- Should not be a joint property owned by anyone other than the spouse
- 36 times of Wages
- Declaration in the Proforma obtained along with the application signed by Member
- Apply in Form-31 through Employer

Thank you, Eswaa (sorry, I don't know your name). I know this, but my question is whether I can apply for a home loan after the transaction is over (registration and all). When I checked with the finance department of my company, they said they can't give a loan if the registration is over. I wish to know if there is any rule stating that we will not get the loan after registration. Kindly reply.