Last updated : 13 Jun 2019 
*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 Account 2 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 Account 2. | 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. |
*Residential Home - bungalow/terrace/semi-detached/apartment/condominium/studio apartment/townhouse/SOHO or a shoplot with a residential unit in Malaysia
The required documents may vary for first and subsequent applications. So, it is crucial to compile all the required documents to ensure a smooth application process.
WITHDRAWAL CANCELLATION
You have the option to stop contributing to your Flexible Housing Withdrawal Account once your ring fencing has exceeded the period of one (1) year, and upon the approval of the financial institution.
Ready to cancel? Just submit your application through the financial institution and they will forward it to the EPF.
| Type of Application | Documents |
|---|---|
| For cancellation of withdrawal | Form KWSP 9Q(2) |
| For withdrawals |
Form KWSP 9C (AHL)
Verification letter of your housing loan balance |
| For re-application of Flexible Housing Withdrawal for the same property | Form KWSP 9Q(1) |
IMPORTANT REMINDER
(complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)
AUTHORISED PERSONS
