EPF Withdrawal

Purpose
  • This withdrawal allows you to utilize your savings from Account 2 to partially finance your purchase of a house individually OR jointly with your spouse or close family members namely parents or siblings.
  • Buying of a house with another individual who has no kinship is allowed provided that the other individual is a buyer and borrower.
  • This withdrawal allows you to buy a house from a developer or an individual or through a public auction.
  • EPF Withdrawal to purchase a second house is allowed after the first house purchased utilizing EPF has been sold or disposal of ownership of property has taken place. Disposal of ownership refers to 'loss of ownership of the first house owned by you either due to auction, surrender of property by court order, transfer of ownership because of love and affection, destruction of house due to natural disaster, abandoned housing project or cancellation of purchase'.

Application Eligibility
  • Eligibility:
    • A Malaysian Citizen; OR
    • A Malaysian Citizen who has made Leaving The Country Withdrawal before 1 August 1995 and has opted tore-contribute to the EPF; OR
    • A Non-Malaysian Citizen who:
      Has became an EPF before 1 August 1998, OR
      Has obtained a Permanent Resident (PR) status.
  • You have not reached the age 55 at the time the EPF receives your application; AND
  • You have a minimum savings balance of RM500.00 in your Account 2.

Withdrawal Eligibility
HOUSE BUILD BY AN INDIVIDUAL
JOINT PURCHASE WITH SPOUSE OR IMMEDIATE FAMILY MEMBER OR OTHER INDIDVIDUAL
The difference between the house price and the loan amount plus additional 10% of the house price
OR

All your savings in Account 2. (Whichever is lower but not less than RM 500.00)
The difference between the house price and the loan amount plus additional 10% of the house price
OR

All the savings in each purchase’s Account 2 subject to the maximum amount eligible for withdrawal. (Whichever is lower but not less than RM 500.00)
100% HOUSING LOAN
HOUSE BUILT WITH CASH
10% of the house price
OR

All your savings in Account 2. (Whichever is lower but not less than RM 500.00)
Price of the house with an additional 10% of the house price
OR

All your savings in Account 2. (Whichever is lower but not less than RM 500.00)

  • You may choose to decide on the amount to withdraw from your Account 2, subject to the maximum amount eligible by filling in the desired amount in the housing withdrawal Form 9C (AHL).
  • You may have made a housing withdrawal before but have cancelled the purchase of the house and now you wish to make this withdrawal to purchase a house. In this situation, the amount withdrawn need not be returned to the EPF. The earlier withdrawn amount will be deducted from the current eligible amount subject to the balance eligible (if any).

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