Flexible Housing Withdrawal
- You set aside part of the savings in your Akaun Sejahtera to a Flexible Housing Withdrawal account.
- When evaluating your loan eligibility, the financial institution considers your monthly EPF contribution as part of your income.
- Higher loan eligibility means you can now afford the home you've always wanted!
*The minimum savings period is one (1) year and ring fencing can only be used for one (1) house at a time. The maximum savings period is up to age 55, or subject to the date of your last housing loan or last day of ring fencing (whichever is earlier).
- The savings in this account cannot be used for Housing, Education, Health and Age 50 Withdrawal.
*The savings in your Akaun Sejahtera can still be used for the above purposes.
- The money you've set aside into this account belongs to you, and will not be assigned to the financial institution.
- You will still receive an annual dividend for the savings in this account but it will be credited to your Akaun Sejahtera.
- You can withdraw the savings in this account once you have reached age 55 or in the case of Death, Incapacitation, Leaving The Country or Pensionable Employee Withdrawal.
Requirements
*Residential House - bungalow/terrace/semi-detached/apartment/condominium/studio apartment/service apartment /townhouse/Small Office Home Office (SOHO) or a shop lot with a residential unit from a developer in Malaysia.
**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.
EPF members who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF counter.
Step 1
- Get verification from the financial institution on loan details, house purchase /building and ring fencing
Step 2
- Send in your application and the required documents through the financial institution
Step 3
- Flexible Housing Withdrawal must be applied together with Buy/Build House Withdrawal OR Reduce/Redeem Housing Loan Withdrawal
Documents
1st Application
Have not made any Housing Withdrawal
- Form KWSP 9C (AHL) and Checklist
- Bank loan verification letter
- Form KWSP 9Q (1)
Have made a Housing Withdrawal but lost ownership of the house
- Form KWSP 9C (AHL) and Checklist
- Bank loan verification letter
- Document/Proof of Loss of property ownership
- Form KWSP 9Q (1)
Have made a Reduce/Redeem Housing Loan Withdrawal for spouse and/or Housing Loan Monthly Instalment Withdrawal
- Form KWSP 9C (AHL) and Checklist
- Bank loan verification letter
- Form KWSP 9Q (1)
Subsequent Application
Same Property
- Form KWSP 9Q (2)
- Form KWSP 9C (AHL) and Checklist
- Bank loan verification letter
- Form KWSP 9Q (1)
Different Property
- Form KWSP 9C (AHL) and Checklist
- Bank loan verification letter
- Document/Proof of Loss of property ownership
- Form KWSP 9Q (1)
Cancellation
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) - Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account. - Submit to EPF
Send your completed submissions at your nearest EPF Counter or mail it to the EPF.Post to EPF:
Jabatan Pengurusan Transaksi
Kumpulan Wang Simpanan Pekerja
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor. - Need more information?
Refer to our product brochure for additional information.
Frequently Asked Question
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.
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