You can make withdrawals from Account 2 to reduce/redeem your housing loan balance or assist your spouse with paying off theirs.

Who Can Apply

Requirements

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Malaysians & Non-Malaysians
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Below 55 years of age
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At least RM500 in Account 2
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Bought/built first or second residential house*
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Registered owner of the property
(Self Withdrawal only)
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Residential house has been charged as collateral
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Have an outstanding housing loan with loan providers recognised by the EPF
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Application can be made once a year from the last withdrawal date
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Approved loan from recognised borrowers** 

*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 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 Cooperative/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.

Additional Requirements For Joint Withdrawal To assist Spouse

  • House is fully owned by spouse/jointly owned by member & spouse
  • Member's spouse is a borrower of the housing loan
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

With MyKad
  • MyKad
  • Refinancing information*
  • Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
  • Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse

Without MyKad
  • Copy of identification documents with original for verification (Non-MyKad holders only)
  • Refinancing information*
  • Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
  • Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse
*Applies to 1st and subsequent withdrawals, with or without re-financing. In the case of serial re-financing, you are required to produce all Debt Redemption letters from the previous financier.

Documents

With MyKad
  • Copy of identification documents with original for verification (Non-MyKad holders only)
  • Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
  • Passbook or copy of your bank account statement
  • Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse

Without MyKad
  • Copy of identification documents with original for verification (Non-MyKad holders only)
  • Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
  • Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse
*In the case of serial re-financing, you are required to produce all Debt Redemption letters from the previous financier.

Additional Eligibility

  • Spouse must undertake loan to buy/build house
  • Member can either be the borrowers or not for the house purchasing
  • The house has been mortgaged as collateral for the housing loan
  • The house is fully-owned by the spouse or co-owned together with spouse
  • Member is required to submit evidence of a husband/wife relationship which can be Marriage Certificate / Surat Nikah or child birth certificate
  • Member can make withdrawal to reduce loan balance for any houses of their own or spouse's (husband/wife/wives), subjected to one withdrawal per year
What You Should Know
  • If member has not made a withdrawal to buy or build a house, member may make a withdrawal for any house.
  • Member is not eligible to apply if:
    - The purpose of the loan is to renovate, repair or to carry out additional works to the existing house or for personal purposes
    - Loan in the form of overdraft
    - Loan taken from an individual
    - The purpose of the loan is to reduce/redeem the loan balance of third house
    - The purpose of the loan is to reduce/redeem the loan balance of a house bought overseas
  • The original housing loan balance has been fully settled
  • In the case of re-financing, the loan balance accounted for is based on the original housing loan payment from the first loan provider OR the latest loan balance, whichever is lower. If several loan providers are involved, the loan redemption letter will be compared against the latest balance to determine the eligible withdrawal amount.
Additional Information

Reduce Redeem Withdrawal Additional Info Accordion

Payment Methods

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All withdrawal payments will be credited directly into yours or your spouse’s housing loan account when you meet the following criteria.

  • You/spouse has a housing loan account with a panel bank appointed by the EPF; AND
  • Your/spouse’s loan with the EPF panel bank is not in the non-performing loan (NPL) status
  • Your/spouse’s loan account is still active
  • Your/spouse’s identification number as a borrower matches with the bank’s record
  • Payment is made in Ringgit Malaysia (RM)

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 Counter or mail it to the EPF.

    Find EPF Near You

    Post to EPF:

    EMPLOYEES PROVIDENT FUND
    Locked Bag No. 220
    Jalan Sultan
    46720 Petaling Jaya,
    Selangor, Malaysia
  4. Need more information?
    Refer to our product brochure for additional information.

    Download Brochure


Frequently Asked Questions

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

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.