Last updated : 16 Aug 2019    

build home

Building a home is a major investment. To assist you with building the home of your dreams, we allow our members to withdraw from Account 2 to finance the construction of a new house.

With Land Purchase

Who Can Apply

Requirements

Requirements

Malaysians & Non-Malaysians

Requirements

Below 55 years of age

Requirements

At least RM500 in Account 2

Requirements

You/your spouse are purchasing a land and building a house* 

Requirements

Approved loan

from recognised lenders**

OR self-financed

Requirements

Never made a Housing Withdrawal/have made a Housing Withdrawal before but have sold/disposed of the property

Requirements

Construction Agreement is dated less than three (3) years from the date of withdrawal application

*The cost of the land purchase will be taken into account if the Land Purchase Agreement is within two (2) years of the Construction Agreement
**Certified financial institutions under the Financial Services Act 2013 or Islamic Financing 2013; Central/State Government or any other government financing institutions; member's employer; Licensed Cooperative/Cooperative bodies (approved by SKM); Insurance Companies licensed by Bank Negara; or other EPF recognised loan providers.

Categories

  • Individual withdrawal
  • Joint withdrawal with your spouse/family member
 

What You Can Withdraw

  INDIVIDUAL WITHDRAWAL JOINT WITHDRAWAL
Housing Loan Difference between house construction cost and approved loan amount + 10% of the construction cost
OR
Entire savings in Account 2
(whichever is lower)
Difference between house construction cost and approved loan amount + 10% of the construction cost
OR
Applicant's entire savings in Account 2
(whichever is lower)
Self-Financing/Cash The construction cost + additional 10%
OR
Entire savings in Account 2
(whichever is lower)
The construction cost + additional 10%
OR
Applicant's entire savings in Account 2
(whichever is lower)

What You Need

Documents

  • Copy of identification documents with original for verification (Non-MyKad holders only)
  • Passbook or copy of your bank account statement (for verification purposes)
  • Construction Agreement (with member, spouse or joint name)

Additional documents for 1st or 2nd home

Financing features may vary for your 1st and 2nd home. So, it's crucial to get all your documents right to pave your way to smoother applications.

1st Home

  • Loan
    1. Proof of Financing
      Housing Loan Approval Letter
      OR
      Housing Loan Approval Letter* AND
      Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name
      *If loan approval has exceeded one year

    1. Proof of Ownership
      Land Purchase Agreement*
      AND
      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If agreement date is within 2 years from the Construction Agreement

    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for mutual construction) 
      OR
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement dated less than three (3) years from the date of withdrawal application

       


    1. Proof of Approval
      Property under Municipal Council’s jurisdiction 

      Approval construction letter by Local Authority
      OR
      An approved building plan from the Local Authorities

      Property not under Municipal Council’s jurisdiction 

      The confirmation letter of the house is located outside the Municipal Council area of the Local Authority/Village Head /Penghulu/Village Committee (JKK)
      AND
      building sketch

    1. Proof of Relationship
      Marriage Certificate

      If Construction Agreement is under spouse's name
  • Self-Financing
    1. Proof of Payment

      Payment of no less than 20% of the property price
      Purchase receipt/bill of building materials

      OR
      Receipt of labour cost for build
      OR
      Confirmation of payment from contractor

      proof of payment not later than 3 years from application date
       

    1. Proof of Ownership

      Land Purchase Agreement*

      AND

      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is within 2 years of the Construction Agreement

    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for joint builds)
      AND
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement date not later than 3 years from application date

    1. Proof or Construction (2)

      Architect’s Certificate/Payment Request Letter* for construction progress of no less than 20%
      *Construction by certified contractor and architect

    1. Proof of Approval

      Property under Municipal Council’s jurisdiction

      Approval construction letter by Local Authority
      OR
      An approved building plan from the Local Authorities

      Property not under Municipal Council’s jurisdiction

      The confirmation letter of the house is located outside the Municipal Council area of the Local Authority/Village Head /Penghulu/Village Committee (JKK)
      AND
      building sketch

    1. Proof of Location
      Location plan of said construction

      (only for homes that are built outside the Municipal Council’s jurisdiction)

    1. Proof of Relationship
      Marriage Certificate

2nd Home

  • Loan
    1. Proof of Financing
      Housing Loan Approval Letter
      OR
      Housing Loan Approval Letter* AND
      Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name
      *If loan approval has exceeded one year

    1. Proof of Ownership

      Land Purchase Agreement*

      AND

      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is within 2 years of the Construction Agreement

    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for joint builds)
      AND
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement dated less than three (3) years from the date of withdrawal application

    1. Proof of Approval
      Property under Municipal Council’s jurisdiction

      Approval construction letter from Local Authorities
      OR
      An approved building plan from the Local Authorities

      Property not under Municipal Council’s jurisdiction

      The confirmation letter of the house is located outside the Municipal Council area of the Local Authority/Village Head /Penghulu/Village Committee (JKK)
      AND
      building sketch

    1. Proof of relationship
      Marriage Certificate
      OR
      Birth Certificate
      Compulsory for joint withdrawal with spouse/parents/parents-in-law/adopted parents/step parents/child/step child/adopted child/siblings

    1. Proof of Sale/Disposal of first house
    1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office;
      OR
      Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
    2. Deed of Assignment AND Letter of Confirmation from buyer / seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007); OR
    3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price;OR
    4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner;OR
    5. Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner);OR
    6. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F);OR
    7. Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases);OR
    8. Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    9. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner;OR
    10. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters;OR
    11. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects;OR
    12. Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer;OR
    13. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner;OR
    14. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department / Royal Malaysia Police / local authorities / Municipal Council / Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).
  • Self-Financing
    1. Proof of Payment
      Receipt of payment of no less than 20% of the property price
      OR
      Purchase receipt/bill of building materials
      OR
      Receipt of labour cost for build
      OR
      Confirmation of payment from contractor

      All payment proof must be dated not more than 3 years from application date

    1. Proof of Ownership
      Land Purchase Agreement*

      AND

      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is within 2 years of the Construction Agreement

    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for joint builds)
      AND
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement date should not be more than 3 years from application

    1. Proof of Construction (2)
      Architect’s Certificate/Payment Request Letter* for construction progress of no less than 20%
      *Construction by certified contractor and architect

    1. Proof of Approval
      Property under Municipal Council’s jurisdiction
      Approval Letter to build the house from the local authority OR complete building plan with the local authority’s approval

      Property not under Municipal Council’s jurisdiction
      Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members AND building plan AND home construction site plan

    1. Proof of Location
      Location plan of said construction
      (only for homes that are built outside the municipal council’s jurisdiction)

    1. Proof of relationship
      Marriage Certificate
      OR
      Birth Certificate
      Compulsory for joint withdrawal with spouse/parents/parents-in-law/adopted parents/step parents/child/step child/adopted child/siblings

    1. Proof of Sale/Disposal of first house
    1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office; OR
      Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
    2. Deed of Assignment AND Letter of Confirmation from buyer / seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007); OR
    3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price; OR
    4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
    5. Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
    6. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
    7. Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    8. Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    9. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner; OR
    10. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
    11. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
    12. Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
    13. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner; OR
    14. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department / Royal Malaysia Police / local authorities / Municipal Council / Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).

Land Purchase & Home Build As A Package

  • Loan
    1. Proof of Financing
      Housing Loan Approval Letter
      OR

      Housing Loan Approval Letter* AND
      Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name

      *If loan approval has exceeded one year

    1. Proof of Construction
      Construction Agreement
      (Dated not more than 3 years from date of application)
      AND
      Land Sales and Purchase Agreement
      (Dated within 6 months of the Construction Agreement)

    1. Proof of Ownership
      Land Title Deed with the seller/proprietor’s name

    1. Letter from the Power of Attorney which has been registered at the Court*

      *If the land purchase and house construction are using the Power of Attorney

    1. Proof of relationship
      Marriage Certificate
      OR
      Birth Certificate
      Compulsory for joint withdrawal with spouse/parents/parents-in-law/adopted parents/step parents/child/step child/adopted child/siblings

    1. Proof of Sale/Disposal of first house
      (Only for those who are buying their second home)
    1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office;
      OR
      Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
    2. Deed of Assignment AND Letter of Confirmation from buyer / seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007); OR
    3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price;OR
    4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner;OR
    5. Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner);OR
    6. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F);OR
    7. Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases);OR
    8. Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    9. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner;OR
    10. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters;OR
    11. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects;OR
    12. Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer;OR
    13. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner;OR
    14. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department / Royal Malaysia Police / local authorities / Municipal Council / Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).
  • Self-Financing
    1. Proof of Payment
      Receipt of payment of no less than 20% of the property price.

    1. Proof of Payment
      Architect’s Certificate/Payment Request Letter* for construction progress of no less than 20%
      OR
      Certificate of Fitness (CF)/Certificate of Occupation (CO)

    1. Proof of Construction
      Construction Agreement
      (Dated not more than 3 years from date of application)
      AND

      Land Sales and Purchase Agreement
      (Dated within 6 months of the Construction Agreement)


    1. Proof of Ownership
      Land Title Deed with the seller/proprietor’s name

    1. Letter from the Power of Attorney which has been registered at the Court*

      *If the land purchase and house construction are using the Power of Attorney

    1. Proof of Verification
      Developer Confirmation Letter regarding cash purchase. Must contain information on the details of the property.

    1. Proof of relationship
      Marriage Certificate
      OR
      Birth Certificate
      Compulsory for joint withdrawal with spouse/parents/parents-in-law/adopted parents/step parents/child/step child/adopted child/siblings

    1. Proof of Sale/Disposal of first house
      (Only for those who are buying their second home)
    1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office;
      OR
      Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
    2. Deed of Assignment AND Letter of Confirmation from buyer / seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007); OR
    3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price;OR
    4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner;OR
    5. Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner);OR
    6. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F);OR
    7. Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases);OR
    8. Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    9. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner;OR
    10. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters;OR
    11. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects;OR
    12. Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer;OR
    13. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner;OR
    14. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department / Royal Malaysia Police / local authorities / Municipal Council / Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).

Who Can Apply

Requirements

Requirements

Malaysians & Non-Malaysians

Requirements

Below 55 years of age

Requirements

At least RM500 in Account 2

Requirements

You/your spouse are building/have built a house on a land owned by you/your spouse/a recognised government agency (i.e. FELDA) or Building/have built a longhouse (For Sabah & Sarawak)*

Requirements

Approved loan 

from recognised lenders**

OR self-financed

Requirements

Never made a Housing Withdrawal/have made Housing Withdrawal before but have sold/disposed of the property

Requirements

Construction Agreement is dated less than three (3) years from the date of withdrawal application

*The cost of the land purchase will be taken into account if the Land Purchase Agreement is within two (2) years of the Construction Agreement
**Certified financial institutions under the Financial Services Act 2013 or Islamic Financing 2013; Central/State Government or any other government financing institutions; member's employer; Licensed Corporation/Cooperative bodies (approved by SKM); Insurance Companies licensed by Bank Negara; or other EPF recognised loan providers.

Categories

  • Individual withdrawal
  • Joint withdrawal with your spouse/family member
 

What You Can Withdraw

  INDIVIDUAL WITHDRAWAL JOINT WITHDRAWAL
Housing Loan Difference between house construction cost and approved loan amount + 10% of the construction cost
OR
Entire savings in Account 2
(whichever is lower)
Difference between house construction cost and approved loan amount + 10% of the construction cost
OR
Applicant's entire savings in Account 2
(whichever is lower)
Self-Financing/Cash The construction cost + additional 10%
OR
Entire savings in Account 2
(whichever is lower)
The construction cost + additional 10%
OR
Applicant's entire savings in Account 2
(whichever is lower)

What You Need

Documents

  • Copy of identification documents with original for verification (Non-MyKad holders only)
  • Construction Agreement (with member, spouse or joint name)
  • Passbook or copy of your bank account statement (for verification purposes)
  • Certified House plans (if applicable)

Additional documents for 1st or 2nd home

Financing features may vary for your 1st and 2nd home. So, it's crucial to get all your documents right to pave your way to smoother applications.

1st Home

  • Loan
    1. Proof of Financing
      Housing Loan Approval Letter
      OR
      Housing Loan Approval Letter* AND
      Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name
      *If loan approval has exceeded one year

    1. Proof of Ownership

      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is under spouse's name, please produce proof or relationship

    1. Proof of Construction

      Construction Agreement under member/spouse's name or both (for joint builds)
      OR
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement date should not be more than 3 years from application

    1. Proof of Approval
      Property under Municipal Council’s jurisdiction
      Approval Letter to build the house from the local authority
      OR
      complete building plan with the local authority’s approval

      Property not under Municipal Council’s jurisdiction
      Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members AND building plan AND home construction site plan
  • Self-Financing
    1. Proof of Ownership
      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is under spouse's name, please produce proof or relationship

    1. Proof of Construction

      Construction Agreement under member/spouse's name or both (for joint builds) 
      OR
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement date should not be more than 3 years from application

    1. Proof of Payment

      Receipt of payment of no less than 20% of the construction cost

      i. Purchase receipt/bill of building materials
      OR
      ii. Receipt of labour cost for build
      OR
      iii. Confirmation of payment from contractor

      (All proof must be dated not more than 3 years from application date)

    1. Proof of Construction
      Architect’s Certificate/Payment Request Letter* for construction progress of no less than 20%
      *Construction by certified contractor and architect

    1. Proof of Approval
      Property under Municipal Council’s jurisdiction
      Approval Letter to build the house from the local authority
      OR
      complete building plan with the local authority’s approval

      Property not under Municipal Council’s jurisdiction
      Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members AND building plan AND home construction site plan

    1. Proof of Location
      Location plan of said construction

      (only for homes that are built outside the municipal council’s jurisdiction)

2nd Home

  • Loan
    1. Proof of Purchase
      Housing Loan Approval Letter
      OR
      Housing Loan Approval Letter* AND
      Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name
      *If loan approval has exceeded one year

    1. Proof of Ownership
      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is under spouse's name, please produce proof or relationship

    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for joint builds) 
      OR

      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp

      Construction Agreement date should not be more than 3 years from application


    1. Proof of Approval
      Property under Municipal Council’s jurisdiction
      Approval Letter to build the house from the local authority OR complete building plan with the local authority’s approval

      Property not under Municipal Council’s jurisdiction
      Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members AND building plan AND home construction site plan

    1. Proof of Sale/Disposal of first house
    1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office; OR
      Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
    2. Deed of Assignment AND Letter of Confirmation from buyer / seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007); OR
    3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price; OR
    4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
    5. Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
    6. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
    7. Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    8. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner; OR
    9. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
    10. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
    11. Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
    12. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner; OR
    13. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department / Royal Malaysia Police / local authorities / Municipal Council / Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).
  • Self-Financing
    1. Proof of Ownership
      Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name

      *If the agreement is under spouse's name, please produce proof or relationship

    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for joint builds) 
      OR

      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp

      Construction Agreement date should not be more than 3 years from application


    1. Proof of Payment

      Receipt of payment of no less than 20% of the construction cost

      i. Purchase receipt/bill of building materials
      OR
      ii. Receipt of labour cost for build
      OR
      iii. Confirmation of payment from contractor

      (All proof must be dated not more than 3 years from application date)

    1. Proof of Approval
      Property under Municipal Council’s jurisdiction
      Approval Letter to build the house from the local authority OR complete building plan with the local authority’s approval

      Property not under Municipal Council’s jurisdiction
      Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members AND building plan AND home construction site plan

    1. Proof of Location
      Location plan of said construction

      (only for homes that are built outside the municipal council’s jurisdiction)

    1. Proof of Sale/Disposal of first house
    1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office; OR
      Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
    2. Deed of Assignment AND Letter of Confirmation from buyer / seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007); OR
    3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price; OR
    4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
    5. Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
    6. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
    7. Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
    8. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner; OR
    9. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
    10. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
    11. Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
    12. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner; OR
    13. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department / Royal Malaysia Police / local authorities / Municipal Council / Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).

Build Longhouse/House on customary land

  • Self-financing
    1. Proof of Construction
      Construction Agreement under member/spouse's name or both (for joint builds) 
      OR
      Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
      Construction Agreement date should not be more than 3 years from application

    1. Proof of Consent
      Letter of consent from the Head of Village/Tribe, acknowledged and endorsed by the Land Survey Department

    1. Photo of member with the head of village/community taken in front of the house built

    1. Proof of Payment
      Receipt of payment of no less than 20% of the construction cost

      i.Purchase receipt/bill of building materials
      OR
      ii. Receipt of labour cost for build
      OR
      iii. Confirmation of payment from contractor

      (All proof must be dated not more than 3 years from application date)

    1. Proof of Location
      Location plan of said construction

      (only for homes that are built outside the municipal council’s jurisdiction)
  •   PAYMENT METHODS
    Local Payments Overseas Payments
    Full payment in Ringgit Malaysia (RM) will be credited to your account
    If you hold an active account with our panel bank and your identification no. matches the bank records
    Full payment will be made via Foreign Bank Draft in the currency of your choice
    If your preferred currency is included in our list of approved currencies
    You will be issued a banker's cheque
    If payment to your account is unsuccessful
    Full payment will be made via Foreign Bank Draft in US Dollars
    If your preferred currency is not available on our approved list
  •   IMPORTANT REMINDER

    1. Certify your documents

    Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.

    (complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

    ACKNOWLEDGED OFFICERS

    2. Double check your panel banks

    Refer to the list of EPF panel banks names for direct creditingrelease of payment into Mmember’s savings/current account.

    EPF PANEL BANKS

    3. Submit to EPF

    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.

    FIND EPF NEAR YOU
    POST TO EPF

    4. Need more information?

    Refer to our product brochure for additional information.

    DOWNLOAD BUILD HOME BROCHURE
  •   FAQ
     
housing