Type of house is either:

1. A Bungalow;
2. A Terrace;
3. A Semi-Detached;
4. A Flat;
5. A Condominium;
6. An Apartment;
7. A Studio Apartment;
8. A Service Apartment;
9. A Town House; or
10. A Shop House with residential unit.

Purpose of Loan
To finance a purchase or building of the house.

Mortgage Status
The house must be mortgaged as the loan's collateral.

Loan Balance
Husband/Wife still has an outstanding loan amount

Source of Loans:

1. Financial institutions duly licensed under the Bank & Financial Institution Act 1989 (BAFIA);
2. Federal / State Government or other government financial agencies;
3. Your own employer (Company Loan);
4. Licenced co-operative society / company (approved by the Development & Co-operative Department, Ministry of Entrepreneur Development & Co-operative);
5. Licensed insurance company approved by Bank Negara Malaysia.

Frequency of Withdrawal
Withdrawal application can be made once a year from the last withdrawal date made.

Withdrawal Amount
Any amount of not less than RM500.00 for each withdrawal.

Refinancing
The loan balance valid for the EPF withdrawal is the amount from the original loan as approved by the first financier.

You are not qualified to apply if:

• The purpose of loan is to renovate, repair or carry out additional work(s) to the existing house for personal purposes;
• Loan in the form of an overdraft;
• Loan is obtained from individual(s).