Terms & Conditions

To proceed with an online withdrawal, I am required to comply with the following e-Withdrawal eligibility criteria:

1. Must be a registered EPF member.
2. A valid i-Akaun login credential must be active.
3. A mobile number must be registered /updated with EPF.
4. An active current/savings bank account must be registered with EPF.
5. An EPF withdrawal must have been made and credited into the registered active current/savings bank account within the last 5 years.
6. Withdrawal transactions must be less than RM30,000.00 per day.
7. The application is required to be submitted at EPF branches or Self-Service Terminals (SST) via thumbprint verification if e-Withdrawal criteria 1–6 are not met.

1. This application is open to EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian
2. Applicants (EPF Member) must be below 55 years old.
3. Applicants must have at least RM50 savings in Akaun Fleksibel.
4. The minimum withdrawal amount is RM 50.
5. Application of this withdrawal is only allowed once per day, subject to the balance in Akaun Fleksibel.
6. Malaysian / permanent residents of Malaysia (PR) can apply for Akaun Fleksibel withdrawal via KWSP i-Akaun. Non-Malaysian members must apply manually at the nearest EPF office.

1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
2. Applicants (EPF Member) must be between 50 to 54 years old.
3. Applicants must have savings in Akaun Sejahtera.
4. Application of this withdrawal may only be made once.

1. Full withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. This application can be made at any time in the time, if applicants comply with items (a)–(c) above.
2. Partial withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. This application can be made at any time in the time, if applicants comply with items (a)–(c) above.
   5. There is no limit to this withdrawal.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
3. Monthly Payment withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. The minimum amount for this withdrawal is RM100 per month or RM1200 for at least 12 months.
   5. The maximum monthly payment withdrawal is until applicants reach 100 years old.
   6. Non-Malaysian who has become EPF member after 1st August 1998 are not eligible for this withdrawal category.
4. Combination of Partial & Monthly Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. The minimum amount for this withdrawal is RM100 per month or RM1200 for at least 12 months.
   5. The maximum monthly payment withdrawal is until applicants reach 100 years old.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
5. Yearly Dividend Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. This application is for the total annual dividend payment on savings from the previous year.
   5. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
6. Monthly Dividend Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. The minimum amount for this withdrawal is RM100 per month for at least 6 months.
   5. The duration of this withdrawal payment is from 6 to 12 months.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
7. Age 55 Years Withdrawal (Investment)
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be between 55 to 59 years old.
   3. Applicants must have savings in Akaun 55.
   4. Withdrawal of savings from Account 55 is only allowed to Fund Management Institutions (IPD) appointed by the EPF.
   5. The minimum amount for this withdrawal is RM1000.
   6. Applicants must retain minimum savings of RM1000 in Akaun 55.
   7. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
   8. This application can be made at any time, if applicants comply with items (a)–(g) above.

1. Full Withdrawal (Akaun 55)
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. This application can be made at any time, if applicants comply with items (a)–(c) above.
2. Full Withdrawal (Akaun Emas)
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun Emas.
   4. This application can be made at any time, if applicants comply with items (a)–(c) above.
3. Partial Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. There is no limit to this withdrawal.
   5. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
   6. This application can be made at any time, if applicants comply with items (a)–(e) above.
4. Monthly Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. The minimum amount for this withdrawal is RM100 per month or RM1200 for at least 12 months.
   5. The maximum monthly payment withdrawal is until applicants reach 100 years old.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
5. Combination of Partial & Monthly Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. The minimum amount for this withdrawal is RM100 per month or RM1200 for at least 12 months.
   5. The maximum monthly payment withdrawal is until applicants reach 100 years old.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
6. Yearly Dividend Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. This application is for the total annual dividend payment on savings from the previous year.
   5. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
7. Monthly Dividend Payment Withdrawal
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. The minimum amount for this withdrawal is RM100 per month for at least 6 months.
   5. The duration of this withdrawal payment is from 6 to 12 months.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
8. Age 60 Years Withdrawal (Investment)
   1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be 60 years and above.
   3. Applicants must have savings in Akaun 55.
   4. Withdrawal of savings from Account 55 is only allowed to Fund Management Institutions (IPD) appointed by the EPF.
   5. The minimum amount for this withdrawal is RM1000.
   6. Non-Malaysian who has become EPF member after 1^st August 1998 are not eligible for this withdrawal category.
   7. This application can be made at any time, if applicants comply with items (a) - (f) above.

1. Critical Illness
   1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF member) must be below 55 years old.
   3. Applicants must have savings in Akaun Sejahtera.
   4. This application can also be applied on behalf of applicant’s spouse / parent / sibling / children.
   5. Treatment bill / receipt must not exceed one (1) year from the date of withdrawal application.
   6. This application medical costs are not fully covered by the employer.
   7. Illness / Medical Aid equipment received as prescribed by doctors (in writing) from Medical Institution which are approved by EPF.
   8. The application will not cover any cost of alternative treatment for the stated critical illness.
2. Fertility Treatment
   1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR) / Non-Malaysian.
   2. Applicants (EPF Member) must be below 55 years old.
   3. Applicants must have savings in Akaun Sejahtera.
   4. Applicants must a legally married couple (spouse).
   5. This application can also be applied on behalf of applicant’s spouse.
   6. Treatment bill / receipt must not exceed one (1) year from the date of application.
   7. The application will not cover any cost of any alternative fertility treatment.
   8. This application only covers these fertility treatments as follows:
      1. Intrauterine Insemination (IUI)
      2. In-Vitro Fertilisation (IVF)
      3. Intracytoplasmic Sperm Injection (ICSI)
   9. For application that has been partially covered by the applicant’s / spouse’s employer, you may only withdraw the remaining balance of the treatment cost that was not covered.
   10. For individual withdrawal application, the eligible withdrawal amount is subject to the actual treatment cost or the entire savings of Akaun Sejahtera, whichever the lower.
   11. For join withdrawal application, the eligible withdrawal amount is subject to the entire savings of Akaun Sejahtera or remaining balance of the treatment cost by applicant’s spouse, whichever the lower.

1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR) / Non-Malaysian.
2. Applicants (EPF Member) must be below 55 years old.
3. Applicants must have minimum balance of RM500 in Akaun Sejahtera.
4. This application can also be applied on behalf of applicant’s spouse / parents / parents-in-law / adopted parents / stepparents/ child / stepchild / adopted child / sibling .
5. The application applies to all Developer Unit, Subsale Unit and Auction Unit.
6. Applicants must purchase residential houses for developer / sub-sale or auction units based on from these categories:
   1. Bungalow
   2. Terrace
   3. Semi-detached
   4. Apartment
   5. Condominium
   6. Studio Apartment
   7. Service Apartment
   8. Townhouse
   9. Small Office Home Office (SOHO)
   10. Shop lot with residential unit
7. Applicants who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF office).
8. Applicants must ensure approved loan are from recognized lender or self-financed (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 recognized loan providers).
9. Applicants have never made housing withdrawal or have made housing withdrawal previously but have sold or disposed of the property.
10. For individual withdrawal with housing loan or self-financing, the eligible withdrawal amount is as follow:
    1. Housing Loan - Difference between purchase price and approved loan amount + 10% of the purchase price or entire savings in Akaun Sejahtera (whichever is lower).
    2. Self-Financing - The purchase price + additional 10% or entire savings in Akaun Sejahtera (whichever is lower).
11. For joint withdrawal with housing loan or self-financing, the eligible withdrawal amount are as follows:
    1. Housing Loan - Difference between purchase price and approved loan amount + 10% of the purchase price or applicant's entire savings in Akaun Sejahtera (whichever is lower).
    2. Self-Financing - The purchase price + additional 10% or applicant's entire Akaun Sejahtera savings (whichever is lower).
12. Submission of the Sales and Purchase Agreement and Housing Loan Approval Letter is required, OR Submission of Build House Agreement Letter, Land Title Letter and Housing Loan Approval Letter.
13. EPF reserves the right to request for applicant’s thumbprint verification at the EPF Branch / Financial Institution based on Terms & Conditions.
14. The following documents are required to be submitted:
    1. Form KWSP 9C (AHL) and Checklist.
    2. Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification.
    3. Copy of identification documents with original for verification (Non-MyKad holders only).
    4. Sales & Purchase Agreement OR Proclaimation of Sales (POS) by Land Office / Court - not more than 3 years from the date of application.
    5. Passbook or copy of your bank account statement (for verification purposes).
15. For first housing loan, applicants need to submit these additional documents as follows:
    1. Proof of Purchase - Sales and Purchase Agreement OR Proclamation of Sale from Administrator/ Court (Not more than 3 years from date of application).
    2. Proof of Financing - Housing Loan Approval Letter OR Housing Loan Approval Letter (if loan approval has exceeded one year) AND Housing Loan Agreement Letter/ Form 16A/ Title Deed under member's name that has been submitted as collateral to the financial institution.
    3. Proof of Relationship - Marriage Certificate OR Birth Certificate (Compulsory for joint withdrawal with spouse / parents-in-law / adopted parents / stepparents / step child / adopted child / siblings).
16. For first house with self-financing, applicants need to submit these additional documents as follows:
    1. Proof of Purchase – Sales and Purchase Agreement OR Proclamation of Sale from Administrator/ Court (Not more than 3 years from date of application).
    2. Proof of Payment - Receipt of payment of no less than 20% of the property price.
    3. Proof of Cash Purchase - Developer Confirmation Letter Regarding Cash Purchase containing property details.
    4. Proof of Construction - Architect's Certificate/ Payment Request Letter showing. the construction stage is not less than 20% OR Certificate of Fitness (CF) / Certificate of Occupation (CO)
    5. Proof of Relationship - Marriage Certificate or Birth Certificate (Compulsory for joint withdrawal with spouse / parents-in-law / adopted parents / stepparents / child / stepchild / adopted child / siblings).
17. For second house loan, applicants need to submit these additional documents as follows:
    1. Proof of Purchase - Sales and Purchase Agreement OR Proclamation of Sale from Administrator/Court (Not more than 3 years from date of application).
    2. Proof of Financing - Housing Loan Approval Letter or Housing Loan Approval Letter* and Housing Loan Agreement Letter/ Form 16A/ Title Deed under member's name that has been submitted as collateral to the financial institution (*if loan approval has exceeded one year).
    3. Proof of Relationship - Marriage Certificate OR Birth Certificate (Compulsory for joint withdrawal with spouse / parents-in-law / adopted parents / stepparents/ child/ stepchild/ adopted child/ siblings).
    4. Proof of Sale/ Disposal of first house - Verified by any one of these documents:
       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. (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, stepparents, foster parents, child, stepchild, adopted child or siblings); or
       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
       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 because 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; dan additional documents such as scene photos or other documents to support the application (if necessary).
18. For second with self-financing, applicant need to submit these additional document as follows:
    1. Proof of Purchase – Sales and Purchase Agreement or Proclamation of Sale from Administrator/ Court (Not more than 3 years from date of application).
    2. Proof of Transaction - A confirmation letter from a lawyer's office who manages the sales and purchase transaction. The letter must contain details of the property and that the purchase was made in cash.
    3. Proof of Payment - Receipt of payment of no less than 20% of the property price.
    4. Proof of Construction - Architect's Certificate/ Payment Request Letter showing the construction stage is not less than 20% OR Certificate of Fitness (CF) / Certificate of Occupation (CO).
    5. Proof of Relationship - Marriage Certificate OR Birth Certificate (Compulsory for joint withdrawal with spouse / parents-in-law / adopted parents/ stepparents / child / stepchild / adopted child/ siblings).
    6. Proof of Sale/ Disposal of first house. Verified by any one of these documents:
       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 (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); or
       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
       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).

1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR) / Non-Malaysian.
2. Applicants (EPF Member) must be below 55 years old.
3. Applicants must have minimum balance of RM500 in Akaun Sejahtera.
4. This application can also be applied on behalf of applicant’s spouse / parents / parents-in-law / adopted parents / stepparents/ child / stepchild / adopted child / sibling.
5. Applicants must purchase land and build a house in which the cost of the land purchase will be considered if the Land Purchase Agreement is within two (2) years of the Construction Agreement).
6. Applicants must ensure approved loan are from recognized lender or self-financed (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 recognized loan providers).
7. Applicants have never made housing withdrawal or have made housing withdrawal previously but have sold or disposed of the property.
8. For individual withdrawal with housing loan or self-financing, the eligible withdrawal amount are as follows:
   1. 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).
   2. Self-Financing / Cash - The construction cost + additional 10% OR Entire savings in Akaun Sejahtera (whichever is lower).
9. For joint withdrawal with housing loan or self-financing, the eligible withdrawal amount are as follows:
   1. Housing Loan - Difference between house construction cost and approved loan amount + 10% of the construction cost OR applicant's spouse entire savings in Akaun Sejahtera (whichever is lower).
   2. The construction cost + additional 10% OR applicant's spouse entire savings in Akaun Sejahtera (whichever is lower).
10. Applicants must ensure construction agreement is dated less than three (3) years from the date of withdrawal application.
11. The following documents are required to be submitted:
    1. Form KWSP 9C (AHL) and Checklist.
    2. Form KWSP 3 (Pindaan) – for mail submissions/ failed thumbprint verification.
    3. Copy of identification documents with original for verification (Non-MyKad holders only).
    4. Construction Agreement (with member, spouse or joint name).
    5. Passbook or copy of your bank account statement (for verification purposes).
12. For first housing loan, applicants need to submit these additional documents as follows:
    1. Proof of Financing - Housing Loan Approval Letter* or Housing Loan Agreement/ Mortgage Form 16A/ Deed of Assignment/ Title Deed in the name of the member and charged to the loan provider (*if loan approval has exceeded one year).
    2. Proof of Ownership - Land Purchase Agreement (The agreement date does not exceed 2 years with the House Construction Agreement) and Land Title Deed/ Land Search (Catatan Carian Rasmi) in member/ spouse’s name.
    3. Proof of Construction - Construction Agreement (Construction Agreement date should not be more than 3 years from application) 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.
    4. Proof of Approval Property:
       1. 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.
       2. Property is 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 Home construction site plan.
    5. Proof of Relationship - Marriage Certificate (If the agreement is under spouse's name).
13. For first house with self-financing, applicants need to submit these additional documents as follows:
    1. Proof of Ownership - Land Purchase Agreement (if the date of the agreement is within 2 years from the date of the House Construction Agreement) and 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).
    2. 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.
    3. Proof of Payment - Receipt of payment of no less than 20% of the construction cost (i.e Purchase receipt/ bill of building materials or Receipt of labour cost for build or Confirmation of payment from contractor - All proof must be dated not more than 3 years from application date).
    4. Proof of Construction (2) - Architect’s Certificate/ Payment Request Letter (Construction by certified contractor and architect) for construction progress of no less than 20%.
    5. Proof of Approval:
       1. Property under Municipal Council’s jurisdiction - Approval Letter to build the house by the local authority or complete building plan with the local authority’s approval.
       2. 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.
    6. Proof of Location in which, location plan of said construction (only for houses that are built outside the municipal council’s jurisdiction).
14. For second house loan, applicants need to submit these additional documents as follows:
    1. Proof of Financing - Housing Loan Approval Letter* and Housing Loan Agreement/ Mortgage Form 16A/ Deed of Assignment/ Title Deed in the name of the member and charged to the loan provider (*if loan approval has exceeded one year).
    2. Proof of Ownership - Land Purchase Agreement (If the agreement is under spouse's name, please produce proof or relationship) and Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name.
    3. Proof of Construction - Construction Agreement (Construction Agreement date should not be more than 3 years from application) 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.
    4. Proof of Approval:
       1. 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.
       2. 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 home construction site plan.
    5. Proof of Relationship - Marriage Certificate OR Birth Certificate. Construction together with close family members (husband/ wife/ parents/ parents-in-law/ stepparents/ adoptive parents/ children/ stepchildren/ adopted children/ siblings).
    6. Proof of Sale/ Disposal of first house. Verified by any one of these documents:
       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 (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); or
       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
       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 because 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).
15. For second house with self-financing, applicants need to submit these additional documents as follows:
    1. Proof of Payment - Receipt of payment of no less than 20% of the construction cost or Purchase receipt/bill of building materials or Receipt of labour cost for build or Confirmation of payment from contractor (All proof must be dated not more than 3 years from application date).
    2. Proof of Ownership - Land Purchase Agreement (If the date of the agreement is within 2 years from the date of the House Construction Agreement) and Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name.
    3. Proof of Construction - Construction Agreement (Construction Agreement date should not be more than 3 years from application) 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.
    4. Proof of Approval:
       1. 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.
       2. 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 home construction site plan.
    5. Proof of Construction (2) - Architect's Certificate/Payment Request Letter indicating that the construction stage is not less than 20%.
    6. Proof of Relationship - Marriage Certificate or Birth certificate (Compulsory for joint withdrawal with spouse / parents / parents-in-law / adopted parents / stepparents / child / stepchild / adopted child / siblings).
    7. Proof of Sale/ Disposal of first house. Verified by any one of these documents:
       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 (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); or
       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 property through a Court Order to any party and divorce certificate (in cases of divorce); or
       9. A formal search from the Land Office indicating the name of the new owner of the said property or 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 because 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).
16. For land purchase and house build as loan package, applicants need to submit these additional documents as follows:
    1. Proof of Financing - Housing Loan Approval Letter or Housing Loan Approval Letter (If loan approval has exceeded one year) and Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name.
    2. 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).
    3. Proof of Ownership - Land Title Deed with the seller/proprietor’s name.
    4. 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).
    5. Proof of relationship - Marriage Certificate or Birth Certificate. Compulsory for joint withdrawal with spouse / parents / parents-in-law / adopted parents / stepparents / child / stepchild / adopted child / siblings.
    6. Proof Sale/ Disposal of first house. Verified by any one of these documents:
       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 (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); or
       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 property through a Court Order to any party and divorce certificate (in cases of divorce); or
       9. A formal search from the Land Office indicating the name of the new owner of the said property or 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).
17. For land purchase and house build as package with self-financing, applicants need to submit these additional documents as follows:
    1. Proof of Payment - Receipt of payment of no less than 20% of the property price and Architect’s Certificate/Payment Request Letter* for construction progress of no less than 20% or Certificate of Fitness (CF)/Certificate of Occupation (CO).
    2. 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).
    3. Proof of Ownership - Land Title Deed with the seller/proprietor’s name.
    4. 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).
    5. Proof of Verification - Developer Confirmation Letter regarding cash purchase. Must contain information on the details of the property.
    6. Proof of relationship - Marriage Certificate or Birth Certificate. Compulsory for joint withdrawal with spouse / parents / parents-in-law / adopted parents / stepparents / child / stepchild / adopted child / siblings.
    7. Proof Sale/ Disposal of first house. Verified by any one of these documents:
       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 (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); or
       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); 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
       3. Title Deed in the new owner's name and Sale and Purchase Agreement between you and the new owner; or
       4. Real Property Gain Tax Form 5 / 5A and Sale and Purchase Agreement between you and the new owner); or
       5. Proclamation of Sale from Administrator (Form KTN 16I) / Proclamation of Sale from Court (Form KTN 16F); or
       6. Confirmation by auction bank on property auction; or Transfer of ownership by Court Order to any party and divorce documents (for divorce cases); or
       7. 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 because 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).

1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR) / Non-Malaysian (Registered as EPF Member before 1 Aug 1998).
2. Applicants (EPF Member) must be below 55 years old.
3. Have a minimum balance of RM600 in Akaun Sejahtera.
4. This application can also be applied on behalf of applicant’s spouse.
5. Applicants must purchase residential houses for developer / sub-sale or auction units based on from these categories:
   1. Bungalow
   2. Terrace
   3. Semi-detached
   4. Apartment
   5. Condominium
   6. Studio Apartment
   7. Service Apartment
   8. Townhouse
   9. Small Office Home Office (SOHO)
   10. Shop lot with residential unit
6. Applicants who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF office).
7. Applicants must ensure approved loan are from recognized lender or self-financed (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 recognized loan providers).
8. Applicants must ensure monthly instalments have been commenced with the bank prior to this application.
9. For individual withdrawal with housing loan and self-financing, the eligible withdrawal amount are based on total housing loan balance or entire savings in Akaun Sejahtera (whichever is lower subject to a minimum monthly payment of RM100 for a period of six (6) months).
10. For joint withdrawal with housing loan, the eligible withdrawal amount for applicants is the total housing loan balance or the entire savings in Akaun Sejahtera after deducting the amount by applicant’s spouse (whichever is lower subject to a minimum monthly payment of RM100 for a period of six (6) months).
11. Withdrawal is limited to one house per applicant. If you have sold the house or fully settled the outstanding loan, you are not eligible to make this withdrawal for another property.
12. Applicants may make a Housing Loan Monthly Instalment Withdrawal and a Reduce/Redeem Housing Loan Balance Withdrawal simultaneously.
13. Withdrawal applications may be submitted up to thirty (30) days prior to the instalment due date. Disbursement of withdrawal payments shall commence only after the actual instalment date.
14. Monthly instalment payments must be scheduled to end before the member attains fifty-five (55) years of age. Consequently, the maximum age to apply for this withdrawal is fifty-four (54) years and six (6) months.
15. Applicants with Non-Performing Loan (NPL) status are permitted to apply for this withdrawal, provided that monthly payments are made via banker’s cheque directly to the loan provider.
16. For refinanced loans, the eligible loan balance shall be determined based on either the original housing loan payment from the first loan financier or the latest loan balance, whichever is lower. In cases involving multiple financiers, the loan redemption letter shall be compared against the latest balance to determine the eligible withdrawal amount.
17. For subsequent withdrawals, applicants may apply as early as thirty (30) days before their final monthly instalment payment.
18. The withdrawal amount will be taken from the Sejahtera Account and will be deposited into the Special Account for your monthly loan repayment, and the dividend will be credited to your Sejahtera Account after the annual dividend declaration.
19. EPF reserves the right to cancel applicant’s monthly payment withdrawal if the housing loan has been fully settled, the house has been sold, auctioned, or ownership transferred to another party, or if the applicants is found guilty of fraud by submitting false documents or information.
20. The following documents are required to be submitted:
    1. Form KWSP 9C (AHL) (Not MyKad holders only).
    2. Copy of identification documents with original for verification (Non-MyKad holders only).
    3. Bank book or copy of bank account statement.
    4. Housing Loan Balance Statement according to EPF format OR Statement of balance of housing loan from LPPSA (Balance Statement Date not exceeding 1 month/ 3 months (LPPSA) from the date of application received - Subject to the first and subsequent withdrawals, with or without refinancing. If there is more than one refinancing, you are required to present the Loan Agreement document and the Debt Settlement letter from the previous lender).
    5. Sale and Purchase Agreement/ Proof of Mortgage/ Surrender of Ownership (Mortgage Form & Title Deed) – if the information in the Housing Loan Balance Statement is incomplete.
    6. EPF Form 3 (Amendment) – for delivery by post/ if thumbprint verification fails.

1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR) / Non Malaysian (Registered as EPF Member before 1 Aug 1998).
2. Applicants (EPF Member) must be below 55 years old.
3. Have a minimum balance of RM500 in Akaun Sejahtera.
4. This application can also be applied on behalf of applicant’s spouse.
5. Additional requirements for joint withdrawal to assist spouse:
   1. House is fully owned by spouse / jointly owned by member & spouse.
   2. Member's spouse is a borrower of the housing loan.
6. Applicants must purchase residential houses for developer / sub-sale or auction units based on from these categories:
   1. Bungalow
   2. Terrace
   3. Semi-detached
   4. Apartment
   5. Condominium
   6. Studio Apartment
   7. Service Apartment
   8. Townhouse
   9. Small Office Home Office (SOHO)
   10. Shop lot with residential unit
7. Applicants who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF office).
8. Applicants must have outstanding housing loan from recognized lender (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 recognized loan providers).
9. The application is made 1 year after the date of the previous reduce/ redeem housing loan withdrawal.
10. Applicants must be a registered owner of the property.
11. Applicants must ensure the residential has been charged as collateral.
12. For individual withdrawal with housing loan, the eligible withdrawal amount for applicants is the total housing loan balance or the entire savings in Akaun Sejahtera (whichever is lower subject to a minimum amount of RM500).
13. For joint withdrawal with housing loan, the eligible withdrawal amount for applicants is the total housing loan balance or the entire savings in Akaun Sejahtera after deducting the amount by applicant’s spouse (whichever is lower subject to a minimum amount of RM500).
14. For individual withdrawal (Malaysian), the following documents are required to be submitted:
    1. Mykad.
    2. Housing Loan Balance Statement – According to EPF format or Housing Loan Balance Statement from the Public Sector Housing Loan Loan Authority (LPPSA).
    3. Refinance information (If the housing re-financing is more than once, members are required to submit all Loan Approval Letters).
    4. Letter of Sale and Purchase Agreement OR Proof of Mortgage / Delivery (Mortgage Form & Title Letter OR Letter of Deed) – if the information in the Housing Loan Balance Statement is incomplete.
    5. Marriage Certificate / Childbirth Certificate – for withdrawal to assist spouse.
    6. EPF Form 3 (Amendment) – for postal delivery/thumbprint verification failed.
    7. Proof of sale/disposal of the first home (if any).
15. For individual withdrawal (PR / Non-Malaysian), the following documents are required to be submitted:
    1. Form KWSP 9C (AHL) (D8) and checklist.
    2. Copy of the original joint identification document for verification purposes.
    3. Refinance information (If the housing re-financing is more than once, members are required to submit all Loan Approval Letters).
    4. Housing Loan Balance Statement – according to EPF format or Housing Loan Balance Statement from the Public Sector Housing Loan Authority (LPPSA).
    5. Letter of Sale and Purchase Agreement / Proof of Mortgage / Delivery (Mortgage Form & Title Deed / Letter of Deed) – if the information in the Housing Loan Balance Statement is incomplete.
    6. Marriage Certificate / Childbirth Certificate.
    7. EPF Form 3 (Amendment) – for postal delivery/thumbprint verification failed.
    8. Proof of sale / disposal of the first home - for deducting/finishing expenses of the second home.
16. For joint withdrawal (Malaysian), the following documents are required to be submitted:
    1. MyKad.
    2. Housing Loan Balance Statement.
    3. Proof of sale / disposal of the first home – for reduced expenses/completion of the second home.
    4. EPF Form 9C (AHL) (D8) and Checklist.
    5. Refinance information (If the housing re-financing is more than once, members are required to submit all Loan Approval Letters).
    6. Letter of Sale and Purchase Agreement / Proof of Mortgage / Delivery (Mortgage Form & Title Deed / Letter of Deed) – if the information in the Housing Loan Balance Statement is incomplete.
    7. EPF Form 3 (Amendment) – for postal delivery / thumbprint verification failed.
    8. Marriage Certificate / Childbirth Certificate – for withdrawal to assist spouse.
    9. Copy of latest bank account statement.
17. For joint withdrawal (PR / Non-Malaysian), the following documents are required to be submitted:
    1. Form EPF 9C (AHL) (D8) (Not MyKad holders only).
    2. Copy of the original joint identification document for verification purposes (for non-MyKad holders only).
    3. Proof of sale / disposal of the first house (for expenses to reduce / complete the second house).
    4. Housing Loan Balance Statement.
    5. Letter of Sale and Purchase Agreement / Proof of Mortgage / Delivery (Mortgage Form & Title Deed / Letter of Deed) – if the information in the Housing Loan Balance Statement is incomplete.
    6. Marriage Certificate / Childbirth Certificate – for withdrawal to assist spouse.
    7. EPF Form 3 (Amendment) – for postal delivery/thumbprint verification failed.
18. The following are the additional eligibility for any application for joint withdrawal (PR / Non-Malaysian):
    1. Spouse must undertake loan to buy/build house.
    2. Spouse must buy/build a house and take out a loan.
    3. The member can be a borrower or a non-borrower for the purchase of the house.
    4. The house has been mortgaged as collateral for a housing loan.
    5. The house is wholly owned by the couple or jointly owned by the spouse / spouse.
    6. Members are required to submit proof of husband / wife relationship, namely Marriage Certificate/Marriage Certificate or Childbirth Certificate.
    7. Members can make withdrawals to reduce the loan balance for any existing home for themselves or their spouse (husband/wife/wife), subject to withdrawal once a year.
    8. If the member has never made an expense to buy or build a house, the member is eligible to make any type of housing withdrawal.
19. Applicants are not eligible to apply if:
    1. The purpose of the loan is to renovate, repair or do additional work to an existing home or for personal purposes.
    2. Loan in the form of overdraft.
    3. Loan taken from an individual.
    4. Loan to reduce or settle for a third home loan.
    5. Loan to reduce or settle the balance of a home loan purchased abroad.

1. This application is open to be EPF member who are Malaysian/ permanent residents of Malaysia (PR).
2. Applicants (EPF Member) must be below 54 years old.
3. Applicants must purchase/built residential house for developer / sub-sale or auction units based on from these categories:
   1. Bungalow
   2. Terrace
   3. Semi-detached
   4. Apartment
   5. Condominium
   6. Studio Apartment
   7. Service Apartment
   8. Townhouse
   9. Small Office Home Office (SOHO)
   10. Shop lot with residential unit
4. Applicants who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF office).
5. Applicants must have housing loan from recognized lender (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 recognized loan providers).
6. Applicants must ensure savings in Akaun Sejahtera is solely purpose for this withdrawal only except withdrawal age 55 / Death / Disability / Leaving the Country or Retirement Employee Withdrawal.
7. For applicant who never made any housing withdrawal (first time application), the following documents are required to be submitted:
   1. EPF Form 9C (AHL) and Document Checklist.
   2. Bank loan verification letter.
   3. EPF Form 9Q (1).
8. For applicant who made a housing withdrawal but lost the right to the house (first time application), the following documents are required to be submitted:
   1. EPF Form 9C (AHL) dan Checklist.
   2. Bank loan verification letter.
   3. Document/Proof of Loss of property ownership.
   4. EPF Form 9Q (1).
9. For applicant who made a reduction payment / settlement of a home loan for a spouse and / or monthly instalment withdrawal of a housing loan (first time application), the following documents are required to be submitted:
   1. EPF Form 9C (AHL) and Document Checklist.
   2. Bank loan verification letter.
   3. EPF Form 9Q (1).
10. For applicant who made for same property withdrawal (subsequent application), the following documents are required to be submitted:
    1. EPF Form 9C (AHL) and Document Checklist.
    2. Bank loan verification letter.
    3. EPF Form 9Q (1).
    4. EPF Form 9Q (2).
11. For applicant who made for different property withdrawal (subsequent application), the following documents are required to be submitted:
    1. EPF Form 9C (AHL) and Document Checklist.
    2. Bank loan verification letter.
    3. Document/Proof of Loss of property ownership.
    4. EPF Form 9Q (1).

1. This application is open to be EPF member who are Malaysian.
2. Applicant (EPF Member) must be below 55 years old.
3. Part or all the savings from the Sejahtera Account (minimum RM50) may be withdrawn.
4. Applicants must be PR1MA homebuyers.
5. Applicant’s housing loan shall be obtained through the PR1MA Flexible Financing Scheme (SPEF).
6. Applicants have never made housing withdrawal or never made housing withdrawal but has sold / relinquished the property title.
7. Applicant pre-retirement withdrawals under Akaun Sejahtera will be restricted whenever this application is made except for Age 55; makes a Pensionable Employees / Incapacitation / Leaving the Country Withdrawal / Death Withdrawal; or with written instruction from the financial institution.
8. For Akaun Sejahtera balance, which is less than the monthly payment amount requested, the EPF will pay the full amount in your Akaun Sejahtera (subject to a minimum payment of RM50).
9. For applicant who upon reaching age 55 and qualifying for retirement withdrawal, you are responsible for settling the outstanding loan with the financial institution for your PR1MA house.
10. For applicants who home that has been sold through foreclosure proceedings, the restriction on the savings of the Sejahtera Account will continue unless written instructions are obtained from the financial institution.

1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
2. Applicants (EPF Member) must be below 55 years old.
3. Applicants must have savings exceeding RM1 million+ with EPF.

1. This application is open to be EPF member who are Malaysian / permanent residents of Malaysia (PR) / Non-Malaysian.
2. Applicants (EPF Member) must be below 55 years old.
3. Applicants must have savings in Akaun Sejahtera.
4. This application can be applied on behalf of applicant’s spouse / parent / children.
5. Applicants must be present at the EPF branch for thumbprint verification and / or submission of additional documents, if required.
6. Applicants must ensure the study level is within this category:
   1. PHD, Master’s, Bachelor’s, Diploma; or
   2. Professional Certificate (Level 3 or higher); or
   3. Skills / Vocational or equivalent qualification
7. For Professional Certificate (Level 3 or higher), applicants must ensure the level of study must be accredited by Jabatan Pembangunan Kemahiran (JPK).
8. Applicants must ensure that the student (applicant / spouse / parent / children) is enrolling or has completed studies in Higher Learning Institution (HLI) or has an outstanding education loan with Education Loan Provider (ELP).
9. The approved level of study is based on the withdrawal eligibility requirements stipulated by the EPF.
10. Applicants shall bear any risk of foreign currency exchange losses on payments, if applicable.
11. For application which is made on behalf of another person spouse / parent / children, the applicant must be ready with supporting documents to confirm their relationship.
12. Do not receive any sponsorship/ loan for education OR only receive partial sponsorship/ loan for education (full sponsorship/ loan are not eligible for education withdrawal).
13. Member / Member’s children / Spouse / Parents who quit / failed / did not graduate / withdrawn from approved education institution (To pay for all overdue payment fully to higher learning institutions within 3 years starting from the termination of education; and settle remaining education loan with loan provider institutions).
14. Categories:
    1. Tuition Fees:
       1. Withdrawal to finance your tuition fees.
       2. Withdrawal to finance your children/ spouse/ parents’ tuition fees.
       3. Joint withdrawal with your spouse to finance your children’s tuition fees.
       4. Joint withdrawal with your spouse to finance your spouse’s tuition fees.
    2. Student loan:
       1. Withdrawal to finance your outstanding education loan.
       2. Withdrawal to finance your children’s outstanding education loan.
       3. Withdrawal to finance your spouse or parents’ outstanding education loan.
15. Tuition Fees:
    1. Withdrawals may be made every semester or academic year, or within three years from the course end/quit/failed date for outstanding payments to be settled with the higher learning institution.
    2. Documents needed to apply:
       1. MyKad OR original identification document.
       2. Payment receipt of tuition fee from IPT and.
       3. Form KWSP 3 (Pindaan) – for mail submissions/ failed thumbprint verification.
       4. Student's enrolment confirmation letter.
       5. Reimbursement of flight ticket (Eligible for one way ticket for IPT student during first year student registration only).
       6. Proof of relationship (If the applicant is not a student).
       7. Course recognition or accreditation letter.
    3. The required supporting documents for member, child, spouse, or parent may vary for the first and second withdrawal. So, it's necessary to submit all the required supporting documents to ensure a smooth application process.
    4. Self:
       1. 1st Time Withdrawal:
          1. Proof of Acceptance - Course offer letter AND Proof of qualification to enroll in the course.
          2. Proof of Study - Copy of the latest examination result (second year onwards).
          3. Proof of Payment - Tuition fees payment receipt AND Flight ticket/ original payment receipt (For refund application if tuition fees have already been paid to the higher learning institution).
          4. Additional Documents - Interview form AND Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details (For refund application if tuition fees have already been paid to the higher learning institution).
          5. Additional Documents for International Studies - Copy of page in a valid passport where student's details appear AND If Member has already gone abroad— Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results OR If Member has not gone abroad— Proof of payment to the international higher learning institution.
       2. Subsequent Withdrawal:
          1. Proof of Study - Copy of the latest examination result.
          2. Proof of Payment - Tuition fees payment receipt (For refund application if tuition fees have already been paid to the higher learning institution).
          3. Additional Documents - Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details (For refund application if tuition fees have already been paid to the higher learning institution).
    5. Member’s Children:
       Application for children can be made by an individual and/ or through a joint application (parents).
    6. Member’s Spouse:
       Application for spouse can be made by an individual and/or through a joint application.
    7. Member’s Parents:
       1. 1st Time Withdrawal:
          1. Proof of Acceptance - Course offer letter AND Proof of qualification to enrol in the course.
          2. Proof of Study - Copy of the latest examination result (second year onwards).
          3. Proof of Payment - Tuition fees payment receipt AND Flight ticket/ original payment receipt (For refund application if tuition fees have already been paid to the higher learning institution).
          4. Additional Documents - Interview form AND Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details (For refund application if tuition fees have already been paid to the higher learning institution).
          5. Proof of Relationship –
             1. Children - Child's Identification Card AND Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children).
             2. Spouse - Marriage Certificate.
             3. Parents - Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children).
          6. Additional Documents for international studies - Copy of page in a valid passport where student's details appear AND If Member's child has already gone abroad -— Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results OR If Member's child has not gone abroad — Proof of payment to the international institute of higher learning.
       2. Subsequent Withdrawal:
          1. Proof of Study - Copy of the latest examination result.
          2. Proof of Payment - Tuition fees payment receipt (For refund application if tuition fees have already been paid to the higher learning institution).
          3. Additional Documents - Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details (For refund application if tuition fees have already been paid to the higher learning institution).
16. Study Loan
    1. Withdrawals may be made every semester or academic year, or in the event of outstanding student loans.
    2. Approved Loan Provider Institutions:
       1. Financial Institution:
          Financial Institution Licensed Under The Financial Services Act 2013, Specially Offering Loans for Education.
       2. Lending Instituions Under Ministries/ Departments/ Statutory Bodies:
          1. Majlis Amanah Rakyat (MARA)
          2. Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
          3. Perbadanan Tabung Pembangunan Kemahiran (PTPK)
          4. Kementerian Pelajaran Malaysia
          5. Jabatan Perkhidmatan Awam (JPA)
          6. Lembaga Kemajuan Tanah Persekutuan (FELDA)
          7. Kementerian Pembangunan Luar Bandar
          8. Kementerian Pengajian Tinggi
          9. Kementerian Sumber Manusia Malaysia
          10. Kementerian Pendidikan Malaysia
          11. Jabatan Perdana Menteri Malaysia
       3. Lending Institutions Under The State Foundation:
          1. Yayasan Wilayah Persekutuan
          2. Yayasan Negeri Sembilan
          3. Yayasan Terengganu
          4. Yayasan Sabah
          5. Yayasan Perak
          6. Yayasan Pahang
          7. Yayasan Kelantan Darul Naim (YAKIN)
          8. Yayasan Yayasan Biasiswa Sarawak Tunku Abdul Rahman
          9. Suruhanjaya Perkhidmatan Awam Negeri Sarawak (SPANS)
       4. Lending Institutions Under the State Education Foundation:
          1. Pejabat SUK Kedah (Lembaga Biasiswa Negeri Kedah Darul Aman)
          2. Pejabat SUK Pulau Pinang (Lembaga Tabung Amanah Pinjaman Penuntut Negeri Pulau Pinang)
          3. Tabung Kumpulan Wang Biasiswa Selangor
          4. Tabung Amanah Negeri Melaka
          5. Pejabat Setiausaha Kerajaan Perak Darul Ridzuan
       5. Lending Institutions Under Foundation:
          1. Yayasan Bank Rakyat (YBR)
          2. Yayasan Biasiswa Tun Sambathan
          3. Yayasan Peneraju Pendidikan Bumiputera
          4. Yayasan Telekom Malaysia/Telekom Malaysia Berhad
          5. Yayasan Tenaga Nasional
       6. Cooperative Registered with The SKM (Suruhanjaya Koperasi Malaysia specifically offers loans for education):
          1. Koperasi Anak Sains Mara Berhad (ASMARA)
          2. Koperasi Jayadiri Malaysia Berhad (KOJADI)
          3. Koperasi NLFCS Berhad
       7. Education Loans Between Employers & Employees:
          Education loan between employer and employee (student) to finance employee studies (student) only.
       8. Others:
          1. Maju Institute Of Education Development (MIED)
          2. PETRONAS
          3. PERKESO
    3. Payment can be made directly to approved financial institutions if you have taken a loan from an EPF-approved financial institution or if there is a Study Loan Agreement in your name or your child’s name.
    4. The following documents are required to be submitted:
       1. MyKad OR Original Identification Document.
       2. Study loan agreement in the Member's name OR Study loan agreement in the children/spouse/parents’ name – (needed for self-agreement loan with the employer)
       3. Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification.
       4. Latest loan balance statement.
       5. Proof of relationship (If the applicant is not a student).
          Note: Form KWSP 9H (AHL) & Copy of identification documents/MyKad is required for submission via mail or representative.
    5. Supporting documents required for Member or Member’s children/spouse/parents’ education withdrawal (The required supporting documents may vary for the first and second withdrawal. So, it is necessary to submit all required supporting documents to ensure a smooth application process):
    6. Self:
       1. 1st Time Withdrawal (Member is still studying):
          1. Proof of Acceptance - Student's original enrolment confirmation letter AND Proof of qualification to enroll in the course AND Course recognition or accreditation letter.
          2. Proof of Study - Copy of the latest examination result (2nd year onwards).
          3. Proof of Loan Application - Study loan agreement in the Member's name AND Latest loan balance statement.
          4. Additional Documents - Interview form AND If the financial institution providing the loan is a co-operative AND If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter — Letter of explanation from the higher learning institutions.
       2. 1st Time Withdrawal (Member has completed study):
          1. Proof of Loan Application - Study loan agreement in the Member's name AND Latest loan balance statement.
          2. Additional Documents - If the financial institution providing the loan is a co-operative Cooperative registration certificate AND if the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter — Letter of explanation from the higher learning institutions.
       3. Subsequent Withdrawal (Member is still studying):
          1. Proof of Acceptance - Student's original enrolment confirmation letter AND Course recognition or accreditation letter.
          2. Proof of Study - Copy of the latest examination result.
          3. Loan Balance Statement - Latest loan balance statement.
       4. Subsequent Withdrawal (Member has completed study):
          1. Proof of Study - Copy of the latest examination result.
          2. Loan Balance Statement - Latest loan balance statement.
    7. Member's Children/Spouse/Parents:
       1. 1st Time Withdrawal (Member's children/spouse/parents who are currently studying):
          1. Proof of Acceptance - Student's original enrolment confirmation letter AND Proof of qualification to enroll in the course AND Course recognition or accreditation letter.
          2. Proof of Study - Copy of the latest examination result.
          3. Proof of Loan Application - Study loan agreement in the children/ spouse/ parents’ name AND Latest loan balance statement.
          4. Additional Documents - Interview form AND If the financial institution providing the loan is a co-operative —Cooperative registration certificate AND if the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/ agreement/ offer letter —Letter of explanation from the higher learning institutions.
          5. Proof of Relationship –
             1. Children - Child's Identification Card AND Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children).
             2. Spouse - Marriage Certificate.
             3. Parents - Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children).
       2. 1st Time Withdrawal (Member's children/spouse/parents who have completed studies):
          1. Proof of Loan Application - Study loan agreement in the Member's child's/ spouse/ parents' name AND Latest loan balance statement.
          2. Additional Documents - If the financial institution providing the loan is a co-operative — Cooperative registration certificate AND if the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter — Letter of explanation from the higher learning institutions.
          3. Proof of Relationship –
             1. Children - Child's Identification Card AND Child’s Birth Certificate/Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children).
             2. Spouse - Marriage Certificate.
             3. Parents - Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children).
       3. Subsequent Withdrawal (Member's children/spouse/parents who are currently studying):
          1. Proof of Acceptance - Student's original enrolment confirmation letter AND Course recognition or accreditation letter.
          2. Proof of Study - Copy of the latest examination result.
          3. Loan Balance Statement - Latest loan balance statement.
       4. Subsequent Withdrawal (Member's children/spouse/parents who have completed studies):
          1. Loan Balance Statement - Latest loan balance statement.
17. Payment Methods
    1. Local Payments:
       1. 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 number matches the bank records).
       2. You will be issued a Bankers Cheque (If payment to your account is unsuccessful).
    2. International Payments:
       1. Full payment will be made via Foreign Demand Draft in the currency of your choice (If your preferred currency is included in our list of approved currencies).
       2. Full payment will be made via Foreign Demand Draft in US Dollars (If your preferred currency is not available on our approved list).