High property prices have made homeownership a challenge for many. To enable our members to plan for a comfortable retirement, we allow you to withdraw savings from Akaun Sejahtera to finance the purchase of your house.

Who Can Apply

Requirements

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Malaysians & Non-Malaysians
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Below 55 years of age
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Minimum balance of RM500 in Akaun Sejahtera
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Purchasing residential house*
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Approved loan from recognised lenders** OR self-financed
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Have never made housing withdrawal/ have made housing withdrawal previously but have sold or disposed the property​

*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.

Requirements

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Malaysians & Non-Malaysians
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Below 55 years of age
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Minimum balance of RM500 in Akaun Sejahtera​
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Purchasing residential house*
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Approved loan from recognised lenders** OR self-financed
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Never made a housing withdrawal/ have made housing withdrawal before but have sold/ disposed of the property

*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.

Requirements

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Malaysians & non-Malaysians
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Below 55 years of age upon application
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Minimum balance of RM500 in Akaun Sejahtera​​
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Bought/built a residential house*
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Approved loan from recognised lenders** OR self-financed
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Never made a housing withdrawal/ have made housing withdrawal before but have sold/ disposed of the property

*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.
Who Can Apply

Asset Publisher

Death Benefit
Subject to EPF terms and conditions.
Tax Exemption
Subject to IRB terms and conditions.
Annual Dividend
Enjoy annual dividends on top of your retirement savings.
Special Incentive
Up to 15% of total contribution or max RM300 this year.

Categories

  • Individual withdrawal
  • Joint withdrawal with your spouse/family member

What You Can Withdraw

Individual Withdrawal Joint Withdrawal

What You Need

Documents

  • Copy of identification documents with original for verification (Non-MyKad holders only)
  • Passbook or copy of your bank account statement (for verification purposes)
  • Sales Agreement OR Proclaimation Of Sales (POS) by Land Office / Court - not more than 3 years from the date of application
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Additional Documents For First or Second House

House loans or 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

Buy House Withdrawal (Additional Documents) 1st House Accordion

Loan

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  1. Proof of Purchase
    Sales and Purchase Agreement
    OR
    Proclamation of Sale from Administrator/ Court

    (Not more than 3 years from date of application)

  1. 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

  1. 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

Self-Financing

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  1. Proof of Purchase
    Sales and Purchase Agreement
    OR
    Proclamation of Sale from Administrator/ Court

    (Not more than 3 years from date of application)

  1. 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 by cash.

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

    (Receipt of payment from Bank Auction or Bank Auction's Lawyer)

  1. Proof of Title Transfer
    Title Deed in member's name
    OR
    Form KTN 16F (Proclamation of Sale from Court)
    OR
    Form KTN 16I (Proclamation of Sale from Administrator)
    OR
    Form KTN 14A transfer of ownership form that has been completed by the Land Office
    OR
    Deed Of Assignment
    AND
    Letter of confirmation from buyer/ seller’s lawyer stating that the Notice of Assignment has been submitted to the developer according to the Section 22D (2) Housing Developer Act (Control And Licensing) Amendment 2007

  1. 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

2nd House

Buy House Withdrawal (Additional Documents) 2nd House Accordion

Loan

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  1. Proof of Purchase
    Sales and Purchase Agreement
    OR
    Proclamation of Sale from Administrator/Court

    (Not more than 3 years from date of application)

  1. 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

  1. 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
     
  2. 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 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)
    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).

Self-Financing

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  1. Proof of Purchase
    Sales and Purchase Agreement
    OR
    Proclamation of Sale from Administrator/Court

    (Not more than 3 years from date of application)

  1. 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 by cash.

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

  1. Proof of Title Transfer
    Title Deed in member's name
    OR
    Form KTN 16F (Proclamation of Sale from Court)
    OR
    Form KTN 16I (Proclamation of Sale from Administrator)
    OR
    Form KTN 14A transfer of ownership form that has been completed by the Land Office
    OR
    At least a signed Transfer of Ownership Form KTN 14A together with the receipt of submission by the Land Office
    OR
    Deed of Assignment between the seller and member that has been completed and has a Stamp Duty (or have produced a Stamp Certificate) that is 1% of the purchase price
    OR
    Deed Of Assignment
    AND
    Letter of confirmation from buyer/seller’s lawyer stating that the Notice of Assignment has been submitted to the developer according to the Section 22D (2) Housing Developer Act (Control And Licensing) Amendment 2007

  1. 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
     
  2. 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 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)
    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).

Additional Information

Buy House Withdrawal Additional Info Accordion

Payment Method

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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 no. matches the bank records
     
  2. You will be issued a Bankers Cheque
    If payment to your account is unsuccessful

Overseas Payments

  1. Full payment in your preferred currency will be made through Foreign Demand draft
    If your preferred currency is in the accepted currency list
     
  2. 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

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  1. 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

  2. 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

  3. Submit to EPF
    Send your completed submissions at your nearest EPF office or mail it to the EPF.

    Find EPF Near You

    Mail to EPF: 

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

    Download Brochure


Frequently Asked Questions

Frequently Asked Question

Housing Withdrawal FAQ Accordion

Why is thumbprint authentication necessary?

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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?

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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?

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  • 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?

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

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  • 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.