• Individual purchase ; or
• Joint purchase with spouse, family members or other individuals.

WITHDRAWAL ELIGIBILITY

You are eligible to apply if :-

• You are a :
   
  • Malaysian citizen ;
  • Non-Malaysian citizen with Malaysian Permanent Resident (PR) status ;
  • Malaysian citizen who has withdrawn your savings under Leaving The Country Withdrawal before 1 August 1995 and subsequently made an election to re-contribute to EPF ; or
  • Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998.

   

• You have not reached 55 years of age on the date the application is received by EPF.
   
• You still have savings in Account II.
   

CONDITIONS FOR WITHDRAWAL

1. You have purchased a house (house types : bungalow / terrace / semi-detached / flat / condominium / apartment / studio apartment / service apartment / town house) or a shophouse with a dwelling unit ; and
    
2. You financed the purchase of the house by obtaining a housing loan from any financial institution approved by EPF
   OR
   You purchased the house by cash ; and
    
3. You have executed the Sales and Purchase Agreement not more than three years on the date the application is received by EPF ; and
    
4. You have never withdrawn your EPF savings for housing
   OR
   You purchased a second house - You have withdrawn your EPF savings for housing before this but you have sold the house and subsequently purchased another house (you must produce the proof of sale of the first house).
    
5. You wish to purchase a house by way of hire purchase from any authority authorised by EPF.
    
6. You purchased a piece of land and build a house on it simultaneously (the date of Land Purchase Agreement with the House Construction Agreement must be within 6 months).

However, you are not eligible to make withdrawal for the purpose of :-

• Purchasing a piece of land or a housing lot only.
   
• Renovate, repair or make extensions to an existing house.

AMOUNT ELIGIBLE FOR WITHDRAWAL

1. You can withdraw your savings based on the following, whichever is lower :
   1. Individual Purchase
       
      The difference between the price of the house and the housing loan
      with an additional 10% of the price of the house
      OR
      The balance available in Account II.

       

   2. Joint Withdrawal With Spouse, Family Members or Other Individuals
       
      The difference between the price of the house and the housing loan
      with an additional 10% of the price of the house,
      OR
      The balance available in Account II of all applicants
      subject to the maximum eligible amount as stated above.

    

2. If you obtained a full housing loan (100%), you are eligible to withdraw as much as 10% of the price of the house OR the balance available in Account II, whichever is lower.
    
3. If you purchased a house by cash, you are eligible to withdraw as much as the price of the house with an additional 10% of the price of the house OR the balance available in Account II, whichever is lower.
    
4. You can choose to determine the amount you wish to withdraw from your savings in Account II, subject to the maximum amount eligible for withdrawal. You will be required to complete "Surat Akujanji Pilihan Amaun Pengeluaran" for this purpose.

EXAMPLE 1 (Individual Purchase)

Since the maximum amount he is eligible to withdraw is lower than his total savings in Account II, Encik Sallehuddin can withdraw RM22,500.00 only.
 

EXAMPLE 2 (Individual Purchase By Cash)

Since Encik Amirul has RM60,000.00 only in his Account II, he can withdraw all of his savings in Account II.

EXAMPLE 3 (Joint Purchase)

Since both members obtained 100% housing loan, the maximum amount that can be withdrawn by this couple is 10% of the price of the house only, i.e. RM10,000.00 to cover for side cost. Applications will be processed according to the amount they choose to withdraw respectively, by completing "Surat Akujanji Pilihan Amaun Pengeluaran".


EXAMPLE 4 (Purchase Of A Housing Lot And Building A House On It Simultaneously)

HOW TO APPLY AND THE DOCUMENTS REQUIRED

You are required to complete Form KWSP 9C (AHL) and to submit this form together with the original and photocopy of the following documents, whichever is applicable :
 

1. PURCHASE FROM DEVELOPER OR PUBLIC AUCTION
   
    
   1. Your Identification Card / Military Identification Card
      OR
      The following Identification Card affixed with your right and left thumbprints on its copy :
       
      1. MyKad
      2. Police Identification Card and a letter from your employer confirming that your police no. and Identification Card no. refer to the same person.
          
   2. Your Personal Savings Account Passbook/Statement or Personal Current Account Statement which is still active ;
       
   3. Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale (purchase from public auction) containing your name or the names of all applicants for joint purchase and that is executed not more than 3 years on the date the application is received by EPF ; and
       
   4. If you have obtained a housing loan, the following documents are required :-
       
      • Housing Loan Approval Letter (if the loan approval is less than one year)
        OR
        Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if the loan approval has been more than one year).

       

   5. If you self-financed the purchase of the house, the following documents are required :-

   Purchase From Developer	Purchase From Public Auction
   Letter from the developer confirming the purchase paid in cash ; and	Letter from the developer confirming the purchase paid in cash ; and
   Proof of payment of at least 20% from the price of the house ; and	Proof of payment of at least 20% from the price of the house ; and
   Architect Certificate with not less than 20% of construction progress.	Transfer of ownership document such as : Form KTN 16F ('Perakuan Jual Oleh Mahkamah') OR Form KTN 16I ('Perakuan Jual Oleh Pentadbir Tanah) OR Deed of Assignment in your name OR Declaration letter from you to produce the above-mentioned transfer of ownership document (duly completed) within 6 months.

    

2. PURCHASE FROM AN INDIVIDUAL
    
   1. Documents as mentioned under A(i) to (iv) for Purchase From Developer above, and
       

      Individual / Strata Title Has Been Issued	Individual / Strata Title Has Not Been Issued
      Deed of Title in the name of the seller AND Letter of consent of transfer issued by the Land Office (if there is restriction on the property) ; OR Deed of Title in your name.	Letter of consent of transfer from the developer AND Letter of consent of transfer issued by the Land Office/Local Authority (if there is restriction on the property) OR Deed of Assignment in your name.

      
       

   3. If you self-financed the purchase of the house, the following documents are required :-

   Individual / Strata Title Has Been Issued	Individual / Strata Title Has Not Been Issued
   Letter from the lawyer in charge of the sale and purchase confirming the purchase paid in cash ; and	Letter from the lawyer in charge of the sale and purchase confirming the purchase paid in cash ; and
   Proof of payment of at least 20% of the price of the house; and	Proof of payment of at least 20% of the price of the house; and
   Deed of Title in your name OR Duly completed Form KTN 14A in your name OR Form KTN 14A in your name, which has not been processed by the Land Office AND Receipt of Submission ("Penyata Perserahan") from the Land Office AND Declaration Letter from you to produce the duly completed Form KTN 14A within 6 months.	Deed of Assignment in your name OR Declaration Letter from you to produce the duly completed Deed of Assignment within 6 months.

   
    

3. PURCHASE OF LAND AND CONSTRUCTION OF A HOUSE SIMULTANEOUSLY AS A PACKAGE
   (This package includes the cost of purchasing the land and building the house)
    
   1. Documents as mentioned under A(i), (ii) and (iv) for Purchase From Developer above, and
       
   2. House Construction Agreement containing your name or the names of all applicants for joint withdrawal and that is executed not more than 3 years on the date the application is received by EPF ;
       
   3. Sales and Purchase of Land Agreement containing your name or the names of all applicants for joint withdrawal and the date of agreement is within 6 months with the House Construction Agreement ;
       
   4. Deed of Title of the land in the name of the seller/land owner ;
       
   5. Power of Attorney, which has been registered with the Court, if the purchase of land and house construction is made using a Power of Attorney ; and
       
   6. If you self-financed the purchase of the house, the following documents are required :-
       
      1. Letter from the developer confirming the purchase paid in cash ;
      2. Proof of payment of at least 20% of the price of the house ; and
      3. Architect Certificate with not less than 20% of construction progress.

    

4. PURCHASE A SECOND HOUSE
    
   1. Documents as mentioned under paragraph A to C where applicable, and
       
   2. One of the following documents as the proof of sale of the first house :
       
      1. Transfer of ownership document Form KTN 14A duly completed by the Land Office ;
          
      2. Deed of Assignment between you and the purchaser ;
          
      3. Deed of Title in the name of the purchaser AND Sales and Purchase Agreement between you and the purchaser ;
          
      4. Real Property Gains Tax Form (CKHT 5) AND Sales and Purchase Agreement between you and the purchaser ;
          
      5. Public Auction Form (KTN 16F or KTN 16I) and confirmation from the bank ;
          
      6. Transfer of property ownership through a Court Order to any party AND Divorce Papers (for divorced cases) ; or
          
      7. Official Search from the Land Office showing your name and the new owner AND Sales and Purchase Agreement between you and the purchaser.

SUBMISSION OF APPLICATION

All application forms can be submitted to any EPF office either at the counter or by post :

• Submission at the counter - enclose together with the original documents and their photocopies.
• Submission by post - photocopies of documents must be certified by one of the officers authorised by EPF.

CERTIFYING OFFICERS

Officers authorised by EPF to certify supporting documents to application form are as follows (except for certain documents, which must be certified by the respective officer as stated in the withdrawal form) :-

• EPF Officer :
  • EPF Officer (Grade 18 and above)
  • EPF Counter Duties
• Applicant's employer
• Justice Of The Peace
• Penghulu/Penggawa
• Advocates and Solicitors
• Government Officers in the Management and Professional Group
• State Assemblyman
• Member of Parliament
• Commissioner of Oath

All withdrawal payments will be credited directly into your bank account subject to the following conditions :-

• You have a bank account with any panel of banks appointed by EPF ;
• Your bank account is still active ; and
• Your bank account is a Personal Savings/Current Bank Account OR a Joint Account (for withdrawal payment above RM100,000 only).

However, if the EPF is unable to credit the payment into your bank account due to reasons such as your bank account is not active or your Personal Identification number does not match, you will be paid by banker's cheque.

(For more information regarding direct payment to your bank account and the list of banks appointed by EPF, please refer to Direct Crediting Into Member's Bank Account System)

Note :
After making this withdrawal, you are eligible to withdraw your savings to reduce/redeem the housing loan for the same house once in three years. For further information, please refer to Reduce/Redeem Housing Loan Withdrawal.

CORRESPONDENCE ADDRESS

You are required to furnish your full address in Form KWSP 9C(AHL). Any change of address after submitting this application must be notified to the nearest EPF office.

ENQUIRIES

If you have any enquiry or require further information on this withdrawal, please contact the EPF office

• Any nearest EPF office
• EPF Call Management Centre, Tel : 03-8732 6000
• E-mail : enquiry@epf.gov.my

Source: http://www.kwsp.gov.my