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Information Related To Withdrawals
Your EPF savings are a mandatory savings which have been enforced to help you during your retirement. This means that you may not withdraw your EPF savings until you retire. The EPF has provided various withdrawal facilities for you which can be divided into Pre-Retirement Withdrawal and Retirement Withdrawal.Pre-Retirement Withdrawal, on the one hand, allows you to withdraw a certain amount from your savings before you reach the retirement age. This is to help you make the necessary preparations for your retirement.Retirement Withdrawal, on the other hand, allows you to withdraw all of your savings upon reaching your retirement age.Apart from the withdrawal facilities aforementioned, the EPF too allows its members to make investment withdrawal when you have fulfilled the requirements


Withdrawal to Purchase a House

  • 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’.


  • (i) A Malaysian Citizen; OR

(ii) A Malaysian Citizen who has made  Leaving The Country Withdrawal before 1 August 1995 and has opted to re-contribute to the EPF; OR

(iii) 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.


Terms Of Withdrawal
You are eligible to apply if you:1. Buy a residential house (type: bungalow / terrace / semi-detached / condominium / apartment / studio apartment / service apartment / townhouse) or a shop lot with residential unit or a small office home office (SOHO) unit.2. The purchase of the house is financed by:    (i) Housing loan from any of the following institutions:

        • Financial Institutions licensed under the Banking and Financial Institutions Act 1989 (BAFIA);
        • Central / State government or any other government financial agencies;
        • Member’s employers;
        • Cooperatives / Cooperative Companies with license (approved by Cooperative Development Department, Ministry of Entrepreneur and Co-operative Development) 
        • Licensed insurance companies as approved by the Central Bank of Malaysia;
        • Loan providers as allowed by the EPF; OR

    (ii) Cash.

3. The date of the Sale and Purchase agreement is not more than three (3) years at the time your application is received by the EPF.

4. You have never made a Housing Withdrawal; OR you have made a withdrawal to purchase your first house and have sold the house or disposal of ownership has taken place and now you intend to build your second house. Proof of sale / disposal of ownership of the first house must be submitted to the EPF.

5. You want to buy a house which has been acquired from a rental with a view of purchase agreement from a party authorised by the EPF.

6. You have bought a land and built a house on the same land simultaneously (dates of the agreement to purchase the land and the agreement to construct the house must be within 6 months).

 You are not eligible to apply if you:

•    Buy a land or a house lot only.
•    Renovate, repair or do additional work to the existing house..
•    Property ownership is not via sale & purchase transaction.
•    Have taken an overdraft loan.
•    Buy a third house.
•    Buy a house in a foreign country.


Withdrawal Eligibility
The amount that you can withdraw is as follows:

The difference between the house price and the loan amount plus an additional 10% of the house priceORAll your savings in Account 2
(Whichever is lower but not less than RM500.00)
The difference between the house price and the loan amount plus an additional 10% of the house priceORAll the savings in each purchaser’s Account 2 subject to maximum amount eligible for withdrawal(Whichever is lower but not less than RM500.00)
10% of the house priceORAll your savings in Account 2(Whichever is lower but not less than RM500.00) Price of the house with an additional 10% of the house priceORAll your savings in Account 2(Whichever is lower but not less than RM500.00)
  • 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).
Important Notice
Amount Withdrawn Not To Be Utilized For Other PurposesAn amount withdrawn shall be utilized solely for the purpose for which the withdrawal was authorized. Where all of the amount withdrawn or any part of the amount is not utilized for the purpose for which such withdrawal was authorized, the member shall return all the amount or the part which is not utilized to the EPF within six months from the date of withdrawal. Any member who contravenes this requirement shall be guilty of an offence.
Submission Of False ApplicationAny application received and found to contain false information or forged documents will be deemed to have committed an offence under Section 59 of the EPF Act and if found guilty shall be liable to imprisonment for a term not exceeding three years or to a fine not exceeding ten thousand ringgit or to both.


FAQ Withdrawal to Purchase a House
  1. What are the requirements for Withdrawal To Purchase A House?

Members must be:
– Malaysian citizens; OR
– Non-Malaysian citizens who have obtained Permanent Resident (PR) status; OR
– Malaysian Citizens who have made Leaving The Country Withdrawal before 1 August 1995 and have opted to re-contribute to the EPF; OR
– Non-Malaysian citizens who have became members before 1 August 1998;

  1. What is the amount entitlement under Withdrawal To Purchase A House?

Members can withdraw their savings according to the following, whichever is lower;

a)  Individual Purchase – The difference between the house price and the loan amount plus an additional 10% of the house price; OR
All the savings in the applicants’ Account 2 subject to maximum amount eligible for withdrawal (whichever is lower)  

b) Joint Purchase With Spouse, Family Member or Other Individuals

c) For housing loan of 100% – 10% from the cost of building the house; OR All savings in Account 2 (whichever is lower)

d) Cash purchase – house price with an additional 10% from the cost of building the house; OR All savings in Account 2 (whichever is lower)

  1. How is the payment made?

The payment for withdrawal will be credited directly to the bank account with the following conditions:
– Members own a bank account with the EPF elected panel banks.
– Members’ bank accounts are still active, and
– Members’ bank accounts types are individual savings/current accounts OR Individual Joint Account for withdrawal amount of more than RM100,000.00

  1. How do I submit the applications?

Applications can be submitted at any EPF Offices nearby, either at the counters or by post.


Should you have any enquiry, or require additional information regarding this withdrawal, kindly contact:· Any EPF Office nearest to you;· The EPF Call Management Centre (CMC) at: 03-8922 6000· Online Feedback: Enquiry
Please quote your EPF membership number or your Identity Card number and the type of withdrawal that you have applied for when you contact the EPF. You are encouraged to contact the EPF directly for assistance and advice. You may also read further in this website to obtain more information regarding all available EPF withdrawals and general guide to members.


By | 2016-11-01T10:40:21+00:00 July 16th, 2010|KWSP, Latest Article/News|14 Comments


  1. chua October 16, 2010 at 4:47 pm

    Question : year 2008, i had purchased a unit of condominium with join name with my wife, and we both had withdraw 10% of EPF from account 2. May i know, if we would like to purchase second house in 2010, did we entitle to withdraw 10% from EPF for this second house?

    • Melissa October 17, 2010 at 3:46 am

      Hi chua,thank you for your comment. I already PM to your email.

  2. Ms Chong October 30, 2010 at 7:04 am

    i have purchased my 1st house in 2005, without EPF withdrawal for downpayment, but in 2007 i did withdraw the fund to reduce my loan principle. I have settled the 1st house loan(finished paying). If i were to buy my 2nd house from developer, can i withdraw my EPF accountII for the purchase downpayment? Thanks

    • Melissa November 5, 2010 at 11:23 am

      Hi Chong, thank you for your comment. We already PM you.

  3. Lim November 8, 2010 at 6:11 am

    Question: i plan to purcahse a unit of condominium with join name with my husband. May i know:
    1) Can i withdraw ONLY my EPF to purchase the house?
    2) If to withdraw ONLY my EPF, will the entitlement be reduced to 50% of the eligible amount i.e. 50% of the difference between the house price and the loan amount plus an additional 10% of the house price.
    3) It must from both of my & my husband’s EPF?

  4. Reinee November 8, 2010 at 12:27 pm

    i have purchase my 1st house on 2004 and withdraw the EPF on 2007 from account 2(the EPF money has tranfer to my personal bank) and now i wanted to purchase second house from developer, can i withdraw again for the 10% down payment ?


    Contact :

  5. yunus November 24, 2010 at 2:23 am


    im 1st time home buyer, i wanted to buy new property which i would like to share the finance with my spouse,i need to know cause i’m having problem with financial background so most of the loan will be under my spouse but the house will be together our name.
    can i still withdrawn my EPF?


  6. celine ng December 4, 2010 at 5:50 am


    I have a few questions here, hope to received a fast reply from you.

    My husband withdrew his epf acc 2 to buy his 1st house in 1997 and sold off in 2001 to buy our second house in 2001, joint name with me in SPA, his single name in loan agreement. For this second house, he did not withdraw the EPF acc 2 for the downpayment but withdrew after 3 years to reduce the bank loan and has been all paid up since. my question is,

    1. now the 2nd house is still not sold and we are now planning to buy another house, will also be joint name in SPA, but this time i will be the single borrower. i know i have no issue to withdraw my epf acc 2 for the downpayment, but i do not have enough or rather very little eligible acc 2 cos i’ve just started working. SO, under such situation, can my husband being a 2nd name in the SPA but not a loan borrower withdraw his acc 2 for downpayment?

    2. if the above is not allowed,can he withdraw to reduce the bank loan? how soon can he withdraw?

    3. how many percent from acc 2 can we withdraw for downpayment and reducing loan amount respectively.

    Hope to hear from you soon.


    Celine Ng

  7. CHRISTY THAM December 14, 2010 at 6:05 am

    how much can i withdrawal form my EPF to purchase a house?

  8. Nura December 27, 2010 at 5:28 am


    I would like to know, what is the procedures to withdraw the EPF fund to buy house?

    For your information, I have made a withdrawal back in year 1999 to buy an apartment jointly with my spouse, but we have sold off the property. What are the documents needed for me to produce in order to apply for the new withdrawal?

    How long does it take to process? I need to know because that the money I need to use for the downpayment of the house I wish to buy. I have to inform the owner so that he can reserve the house for me.



  9. michelle January 3, 2011 at 8:33 am

    can i withdraw my EPF acc2 to buy a SOHO unit under commercial land title?

    • Melissa January 6, 2011 at 3:25 pm

      Dear Michelle,

      I had PM u.TQ.

  10. prekash January 10, 2011 at 5:21 am


    What is the condition for full withdraw from my account 2. (Less than rm100K in account 2)

    Many Thanks in Advance

    • Melissa January 10, 2011 at 1:50 pm

      Hi Prekash, i already PM you.TQ

Comments are closed.