This withdrawal allows you to utilize your savings from Account 2 to reduce or redeem the balance of your’s or your spouse’s housing loan taken from a financial institution approved by the EPF for the following mode of purchase or construction of a house:

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

Withdrawal to reduce / redeem the balance of housing loan of the second house is allowed after the first house purchased utilizing EPF withdrawal 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

• A Malaysian Citizen; OR
• A Malaysian Citizen who has made Leaving The Country Withdrawal before 1 August 1995 and has opted to re-contribute to the EPF; OR
• A Non-Malaysian Citizen who:
  • Has become an EPF member before 1 August 1998; OR
  • Has obtained a Permanent Resident status (PR).
• 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.
  

      :: KWSP 9C (AHL) - Application for Housing Withdrawal (Reduce/Redeem Housing Loan) ::