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e-Pengeluaran for Housing Withdrawal

FAQ

 

» What is e-Pengeluaran?
e-Pengeluaran is a facility for EPF members with i-Akaun to submit their withdrawal application online.
 
» What are the types of EPF withdrawals available through e-Pengeluaran?
e-Pengeluaran is for:
 
a. Buy/Build House
b. Reduce/redeem housing loan 
c. Housing loan monthly installment.
d. Education 
e. Health Withdrawal (Coming Soon)
 
» What are the eligibility requirements for Reduce / Redeem Housing Loan and Housing Loan Monthly Instalments Withdrawal?
The eligibility requirements for applications  via e-Pengeluaran are:
a. The current withdrawal requirements remain unchanged (For more information, please visit www.kwsp.gov.my)
b. Registered i-Akaun user.
c. Applicant has a housing loan from financial institutions participating in e-Pengeluaran.
d. Has made the same withdrawal application. For withdrawal to Reduce/Redeem Housing Loan, the previous application for withdrawal must be approved after 1 January 2011.   
e. The applicant is the buyer, owner and borrower.
f. The property is purchased / owned by no more than two (2) persons.
g. The applicant has to be present at any of the EPF counters for thumbprint verification for the application to be approved.
 
» What are the eligibility requirements for Purchase / Build a House Withdrawal?
The eligibility requirements for applications  via e-Pengeluaran are:
a. The current withdrawal requirements remain unchanged (For more information, please visit www.kwsp.gov.my)
b. Registered i-Akaun user.
c. Applicant has a housing loan from financial institutions participating in e-Pengeluaran.
d. Applicant must verify their thumbprint at any EPF counters for the application to be approved.  
e. Payment to member's Saving / Current account will be made through direct crediting.
 
» What are the advantages of e-Pengeluaran to members?
Advantages of e-Pengeluaran to members are:-
a. e-Submission and Online Eligibility Checking
Submission can be done anywhere, anytime and online checking of withdrawal eligibility.
b. e-Confirmation from Third (3rd) Party
Information on housing loan can be obtained online from lending financial institution.
c. e-Process (Mapping Process and Thumbprint Authentication)
Application will be automatically approved upon thumbprint verification at EPF counter.
d. e-Payment
Direct crediting into member's or housing loan provider/financial institution's account.
e. e-Communication
Member will be notified by SMS and i-Akaun Secured Inbox Messaging.
 
» Why do members need to have i-Akaun to use e-Pengeluaran?
Members need to have i-Akaun to utilise the e-Pengeluaran as it is equipped with built-in safety features that will ensure i-Akaun's data integrity and confidentiality of member's information.
 
» Why is this facility limited to certain banks only?
The banks are among financial institutions collaborating in the e-Pengeluaran project. Nevertheless, the EPF is expanding this facility to include other financial institutions.
 
» Why is this facility limited to properties purchased/owned by not more than two (2) persons?
This is because the current third party information verification system is able to verify only two (2) persons.
 
» Why is this facility not permitted for withdrawal to assist spouse?
The initial phase of e-Pengeluaran focuses on withdrawals limited to member's application to Reduce / Redeem Monthly Instalments, whereby the member must be the buyer, owner and borrower for the property.
The withdrawal to Reduce / Redeem Monthly Installments for spouse requires additional documents and verification by EPF officers as opposed to applications by members alone which will be processed automatically.
Moving forward, the EPF will enhance the e-Pengeluaran to allow a withdrawal to help spouses. 
 
» Why is the withdrawal to Reduce / Redeem Housing Loan Application under e-Pengeluaran limited to those who have approved record after 1 January 2011?
This requirement is to ensure the withdrawal is made in accordance with the latest property record in EPF.
 
» Why is thumbprint authentication necessary?
Members need to be present at the EPF counter and verify their thumbprint as proof of identity as member and applicant.
 
» What happens is a member does not provide thumbprint verification?
Members are given 14 days to verify their thumbprint, failing which the application will be rejected.
 
» How does a member make an online application?
Member needs to login at myEPF website and click on member i-Akaun, select withdrawal, online withdrawal status and click New Application to initiate the transaction.
 
 
» How long does it take for EPF take to approve an Reduce / Redeem Housing Loan and Housing Loan Monthly Installments application?
Applications will be auto- approved upon thumbprint authentication at any of the EPF counters. 
 
» How long does it take for EPF take to approve an Purchase / Build a House application?
A complete e-Pengeluaran application will be processed and payment will be made within 15 working days from the date the member performed thumbprint verification and submitted supporting documents. 
 
» Can anyone else submit e-Pengeluaran application on behalf of the member?
No, the e-Pengeluaran application is made through member's i-Akaun which is password-protected. For safety reasons, members are advised not to reveal their passwords to other individuals.
 
» Does the member need to bring any document for thumbprint verification at EPF counter?
a. Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification.
b. Supporting documents – members' will be notified of any additional documents through i-Akaun Secured Messaging.
 
» Can non-Malaysian EPF members apply through e-Pengeluaran?
No.
 
» How can members check their application status and payment?
a. Through i-Akaun ; or
b. Contact the EPF Contact Management Center (03-89226000); or
c. Visit any EPF counter 
 
» Is this a 24 hours facility?
Yes, but submission made after 7.00 pm (working day) or 5.00 pm (Saturday, Sunday and Selangor public holiday) will be processed on the following day.
 
» Where can members perform thumbprint verification and submit supporting documents?
Members can perform thumbprint verification and submit supporting documents at any EPF offices.
 

For more information, please call EPF Contact Management Centre at 03-89226000 or access to EPF enquiry

 

Updated: 30 December 2015

Reviewed: 17 August 2017