Building a house is a significant financial commitment. In order to support you in realising your dream home, we provide the flexibility for you to withdraw savings from your Akaun Sejahtera to finance the construction of your new home.

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

Minimum balance of RM500 in Akaun Sejahtera

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

Approved loan
from recognised lenders**
OR self-financed

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

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.

Additional Documents For 1st or 2nd House

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

1st House

Build House Land Purchase (Additional Documents) 1st House Accordion

Loan

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

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

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

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

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

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

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)

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

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

Proof of Location
Location plan of said construction

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

2nd House

Build House Land Purchase (Additional Documents) 2nd House Accordion

Loan

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

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

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

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

Proof of Sale/Disposal of first house

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)
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
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
Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
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
Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
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
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

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

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

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)

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

Proof of Location
Location plan of said construction

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

Proof of Sale/Disposal of first house

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)
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
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
Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
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
Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
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
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 & House Build As A Package

Build House Land Purchase (Additional Documents) Package Accordion

Loan

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

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)

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

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

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

Proof of Sale/Disposal of first house
(Only for those who are buying their second home)

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)
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
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
Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner;OR
Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner);OR
Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F);OR
Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases);OR
Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
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
Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters;OR
Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects;OR
Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer;OR
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
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

Proof of Payment
Receipt of payment of no less than 20% of the property price.

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)

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)

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

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

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

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

Proof of Sale/Disposal of first house
(Only for those who are buying their second home)

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)
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
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
Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner;OR
Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner);OR
Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F);OR
Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases);OR
Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
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
Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters;OR
Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects;OR
Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer;OR
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
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).

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

Minimum balance of RM500 in Akaun Sejahtera

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

Approved loan
from recognised lenders**
OR self-financed

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

You have built a house on a land owned by you/ spouse; OR Your spouse have built a house on a land owned by you; OR You have built a house on FELDA land or recognised government agency land; OR You have built a longhouse (for Sabah & Sarawak)*

*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.

Additional Documents For 1st or 2nd House

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

1st House

Build House Without Land Purchase (Additional Documents) 1st House Accordion

2nd House

Build House Without Land Purchase (Additional Documents)2nd House Accordion

Loan

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

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

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

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

Proof of Sale/Disposal of first house

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)
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
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
Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
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
Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
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
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

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

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

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)

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

Proof of Location
Location plan of said construction

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

Proof of Sale/Disposal of first house

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)
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
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
Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner; OR
Real Property Gain Tax Form 5 / 5A AND Sale and Purchase Agreement between you and the new owner); OR
Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); OR
Confirmation by auction bank on property auction; OR Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases); OR
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
Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; OR
Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; OR
Deed of Revocation or Deed of Rescission for the first house; OR Confirmation of Cancellation Letter from the developer / lawyer; OR
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
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

Build House Without Land Purchase (Additional Documents) Long House Accordion

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 Akaun Sejahtera (whichever is lower)	Difference between house construction cost and approved loan amount + 10% of the construction cost OR Applicant's entire savings in Akaun Sejahtera (whichever is lower)
Self-Financing/ Cash	The construction cost + additional 10% OR Entire savings in Akaun Sejahtera (whichever is lower)	The construction cost + additional 10% OR Applicant's entire savings in Akaun Sejahtera (whichever is lower)

What You Need

Documents

Form KWSP 9C (AHL) and Checklist

Copy of identification documents with original for verification (Non-MyKad holders only)

Passbook or copy of your bank account statement (for verification purposes)

Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification

Construction Agreement (with member, spouse or joint name)

e-Pengeluaran Strategic Partner

Apply Via KWSP i-Akaun

Apply For Manual Withdrawal

Additional Information

Build House Withdrawal Additional Info Accordion

Payment Method

Local 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
You will be issued a Bankers Cheque
If payment to your account is unsuccessful

Overseas Payments

Full payment in your preferred currency will be made through Foreign Demand draft
If your preferred currency is in the accepted currency list
Full payment in US Dollar (USD) will be made through Foreign Demand draft
If your preferred currency is not in the accepted currency list

Important Reminder

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)
Authorised Persons
Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account.
EPF Panel Banks
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:

JABATAN PENGURUSAN TRANSAKSI
KUMPULAN WANG SIMPANAN PEKERJA
P.O. Box 00220 Jalan Sultan,
46720 Selangor Darul Ehsan.
Need more information?
Refer to our product brochure for additional information.
Download Brochure

Frequently Asked Question

Housing Withdrawal FAQ Accordion

Why is thumbprint authentication necessary?

The purpose of thumbprint authentication is to verify the identity of the applicant for the withdrawal made online.

What happens if a member does not provide thumbprint verification?

Withdrawal application will be rejected if thumbprint verification (CIJ) is not completed at any EPF offices within fourteen (14) working days.

Does the member need to produce any document for thumbprint verification at the EPF counter?

Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification.
Supporting documents – Members will be notified in KWSP i-Akaun (inbox) if there is any additional documents required.

How can members check their application status and payment?

By using KWSP i-Akaun app or web portal
By visiting any nearby EPF offices

Where can members perform the thumbprint verification and submit the supporting documents?

Members can verify their thumbprint and submit the supporting documents at any EPF office.
Members can visit the nearest Self-Service Terminal (SST) for applications that only require thumbprint verification, without the need for supporting documents.