Buying a Flat: Should I Withdraw My PF or Take a Loan Against It? Need Advice!

I want to purchase a flat. Please guide me on whether I should withdraw my PF or take a loan against my PF amount. I have completed 5 years in the company. Also, I would like to know if we can get a PF loan because our flat is in the agriculture zone. If we are eligible for a PF loan, please tell me the PF loan procedure.

PF Loan Eligibility and Procedure

PF does not ask for urban, rural, or civic agro zones, but they allow up to 90% of account 1, i.e., EPF amount after completion of 5 years. Please note that the EPS account, i.e., account number 10, is not to be considered in loan eligibility. The subscriber can file Form 31 online and provide a scanned copy of a printed cheque book leaf; the loan will be sanctioned provided the KYC is updated in UAN.