KWSP - EPF Partial Withdrawal

Developer Unit
Subsale Unit
Auction Unit

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

At least RM500 in Account 2

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

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.

What You Can Withdraw

	INDIVIDUAL WITHDRAWAL	JOINT WITHDRAWAL
Housing Loan	Difference between purchase price and approved loan amount + 10% of the purchase price OR Entire savings in Account 2 (whichever is lower)	Difference between purchase price and approved loan amount + 10% of the purchase price OR Applicant's entire savings in Account 2 (whichever is lower)
Self-Financing	The purchase cost + additional 10% OR Entire savings in Account 2 (whichever is lower)	The purchase cost + additional 10% OR Applicant's entire Account 2 savings (whichever is lower)

What You Need

Documents

Form KWSP 9C (AHL) and Checklist
Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification

Copy of identification documents with original for verification (Non-MyKad holders only)
Sales and Purchase Agreement – not more than 3 years from the date of application

Passbook or copy of your bank account statement (for verification purposes)

Additional documents for 1st or 2nd house

House loans or financing features may vary for your 1st and 2nd house. So, it is crucial to compile all the required documents to ensure a smooth application process.

1st House

Loan
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from the date of application)
Proof of Financing
Housing Loan Approval Letter
OR
Housing Loan Approval Letter*
AND
Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name
* If loan approval has exceeded one year
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
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from the date of application)
1. Proof of Payment
  Receipt of payment of no less than 20% of the property price.
1. Proof of Cash Purchase
  Developer Confirmation Letter regarding cash purchase. Must contain information on the details of the property.
1. Proof of Construction
  Architect’s Certificate/Payment Request Letter for construction progress of no less than 20%
  OR
  Certificate of Fitness - CF/ Certificate of Occupation - CO
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

Loan
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from the date of application)
1. Proof of Financing
  Housing Loan Approval Letter
  OR
  Housing Loan Approval Letter* AND Housing Loan Agreement Letter/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name*
*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
1. Proof of Sale/Disposal of first house
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
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from the date of application)
1. Proof of cash Purchase
  Developer Confirmation Letter regarding cash purchase. Must contain information on the details of the property.
1. Proof of Payment
  Receipt of payment of no less than 20% of the property price.
1. Proof of Construction
  Architect's Certificate/Payment Request Letter for construction progress of no less than 20%
  OR
  Certificate of Fitness -CF/ Certificate of Occupation - CO
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
1. Proof of Sale/Disposal of first house
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).

VIEW e-PENGELUARAN STRATEGIC PARTNER

WITHDRAW VIA i-AKAUN

APPLY FOR MANUAL WITHDRAWAL

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

At least RM500 in Account 2

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

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/SOHO) or a shop lot with a residential unit in Malaysia

What You Can Withdraw

	INDIVIDUAL WITHDRAWAL	JOINT WITHDRAWAL
Housing Loan	Difference between purchase price and approved loan amount + 10% of the purchase price OR Entire savings in Account 2 (whichever is lower)	Difference between purchase price and approved loan amount + 10% of the purchase price OR Applicant's entire savings in Account 2 (whichever is lower)
Self-Financing	The purchase price + additional 10% OR Entire savings in Account 2 (whichever is lower)	The purchase price + additional 10% OR Applicant's entire Account 2 savings (whichever is lower)

What You Need

Documents

Form KWSP 9C (AHL) and Checklist
Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification

Copy of identification documents with original for verification (Non-MyKad holders only)
Sales and Purchase Agreement – not more than 3 years from the date of application

Passbook or copy of your bank account statement (for verification purposes)

Additional documents for 1st or 2nd house

House loans or financing features may vary for your 1st and 2nd home. So, it's crucial to get all your documents right to pave your way to smoother applications.

1st House

Loan
Deed Title Has Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from the date of application)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adapted child or siblings), the proof of purchase transaction, which is the completed Transfer of Ownership Form (Form KTN 14A / Memorandum of Transfer), must be submitted.
1. Proof of Financing
  Housing Loan Approval Letter
  OR
  Housing Loan Approval Letter* AND Housing Loan Agreement Letter/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name*
  
  *If loan approval has exceeded one year
1. Proof of Title Transfer
  Deed Title/Official Records Search (Catatan Carian Rasmi) with Seller's name/Transfer of Ownership Consent Letter from the Land Office (if there is transfer of ownership restriction by the authority)
  OR
  Title Deed with member's name
  OR
  Transfer of Ownership Form KTN 14A in the name of the new owner 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
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
Deed Title Has Not Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from date of application)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adopted child or siblings), the proof of purchase transaction which is the completed Deed of Assignment, must be submitted.
1. Proof of Deed Title
  Developer Confirmation Letter regarding details of the property
  OR
  Transfer of Ownership Consent Letter from the Land Office/State government (if there is transfer of ownership restriction by the authority)
  OR
  Deed of Assignment between you and the seller which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price
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
Deed Title Has Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (dated not more than 3 years)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adapted child or siblings), the proof of purchase transaction, which is the completed Transfer of Ownership Form (Form KTN 14A / Memorandum of Transfer), must be submitted.
1. Proof of Title Transfer
  Title Deed is in your name
  OR
  Transfer of Ownership Form KTN 14A is in your name completed by the Land Office
  OR
  Signed Transfer of Ownership Form KTN 14A together with the receipt of submission by the Land Office
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
  Payment of at least 20% of the house price
1. Proof of Relationship
  Marriage Certificate
  OR
  Birth Certificate
  
  Birth Certificate Compulsory for joint withdrawal with spouse/parents/parents-in-law/adopted parents/step parents/child/step child/adopted child/siblings
Deed Title Has Not Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from date of application)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adopted child or siblings), the proof of purchase transaction which is the completed Deed of Assignment, must be submitted.
1. Proof of Agreement
  Deed of Assignment
  
  Between you and seller completed with stamp duty (or stamp receipt) of at least 1% of sale price
1. Proof of Transaction
  A confirmation letter from a lawyer's office who manages the 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 at least 20% of the house price
1. Proof of Relationship
  Marriage Certificate
  OR
  Birth Certificate
  
  Birth Certificate Compulsory for joint withdrawal with spouse/parents/parents-in-law/adopted parents/step parents/child/step child/adopted child/siblings

2nd House

Loan
Supporting Documents for Purchasing/Building a Second House
1. 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).
Deed Title Has Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (not more than 3 years from date of application)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adapted child or siblings), the proof of purchase transaction, which is the completed Transfer of Ownership Form (Form KTN 14A/Memorandum of Transfer), must be submitted.
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 Title Transfer
  Deed Title/Official Records Search (Catatan Carian Rasmi) with Seller's name/Transfer of Ownership Consent Letter from the Land Office (if there is transfer of ownership restriction by the authority)
  OR
  Title Deed with Member's name; Transfer of Ownership Form KTN 14A in the name of the new owner 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.
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
Priority requirement – Deed Title Issued/Not Issued

Deed Title Has Not Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (dated not more than 3 years)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adapted child or siblings), the proof of purchase transaction, which is the completed Transfer of Ownership Form (Form KTN 14A/Memorandum of Transfer), must be submitted.
1. Proof of Financing
  Housing Loan Approval Letter
  OR
  Housing Loan Approval Letter* AND Housing Loan Agreement Letter/Form 16A/Title Deedunder member's name that has been submitted as collateral to the financial institution
  *if loan approval has exceeded one year
1. Proof of Deed Title
  Developer Confirmation Letter regarding details of the property.
  OR
  Transfer of Ownership Consent Letter from the Land Office/State government (if there is transfer of ownership restriction by the authority)
  OR
  Deed of Assignment between you and the seller which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price
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
Priority requirement – Deed Title Issued/Not Issued
1. 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).
Deed Title Has Been Issued
Proof of Purchase
Sales and Purchase Agreement (not more than 3 years from the time of application)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adapted child or siblings), the proof of purchase transaction, which is the completed Transfer of Ownership Form (Form KTN 14A / Memorandum of Transfer), must be submitted.
1. Proof of Title Transfer
  Deed Title/Official Records Search (Catatan Carian Rasmi) with Seller's name/Transfer of Ownership Consent Letter from the Land Office (if there is transfer of ownership restriction by the authority)
  OR
  Title Deed with Member's name
  OR
  Transfer of Ownership Form KTN 14A in the name of the new owner 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
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
  Payment of at least 20% of the house price.
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
Deed Title Has Not Been Issued
1. Proof of Purchase
  Sales and Purchase Agreement (dated not more than 3 years)
Note: If the purchase of house is done from immediate family members (spouse, parents, parents-in-law, step parents, foster parents, child, step child, adapted child or siblings), the proof of purchase transaction, which is the completed Transfer of Ownership Form (Form KTN 14A / Memorandum of Transfer), must be submitted.
1. Proof of Agreement
  Deed of Assignment
  
  Between you and seller completed with stamp duty (or stamp receipt) of at least 1% of sale price.
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
  Payment of at least 20% of the house price.
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

VIEW e-PENGELUARAN STRATEGIC PARTNER

WITHDRAW VIA i-AKAUN

APPLY FOR MANUAL WITHDRAWAL

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

At least RM500 in Account 2

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

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.

EPF members who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF counter.

What You Can Withdraw

	INDIVIDUAL WITHDRAWAL	JOINT WITHDRAWAL
Housing Loan	Difference between purchase cost and approved loan amount + 10% of the purchase cost OR Entire savings in Account 2 (whichever is lower)	Difference between purchase cost and approved loan amount + 10% of the purchase cost OR Applicant's entire savings in Account 2 (whichever is lower)
Self-Financing	The purchase cost + additional 10% OR Entire savings in Account 2 (whichever is lower)	The purchase cost + additional 10% OR Applicant's entire Account 2 savings (whichever is lower)

What You Need

Documents

Form KWSP 9C (AHL) and Checklist
Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification

Copy of identification documents with original for verification (Non-MyKad holders only)
Sales Agreement OR Proclaimation Of Sales (POS) by Land Office / Court - not more than 3 years from the date of application

Passbook or copy of your bank account statement (for verification purposes)

Additional documents for 1st or 2nd 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

Loan
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
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

Loan
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.
  
  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)
  
  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
  
  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
  
  Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner OR
  
  Real Property Gain Tax Form 5/5A AND Sale and Purchase Agreement between you and the new owner) OR
  
  Proclamation of Sale from Administrator (Form KTN 16I)/Proclamation of Sale from Court (Form KTN 16F) OR
  
  Confirmation by auction bank on property auction OR
  
  Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases) OR
  
  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
  
  Confirmation letter from the authorities (Housing and Local Government Ministry/Municipal Councils/District Offices/Penghulu) for houses damaged by natural disasters; OR
  
  Confirmation letter from the Housing and Local Government Ministry/State Government for abandoned housing projects/troubled housing projects/ailing housing projects OR
  
  Deed of Revocation or Deed of Rescission for the first house OR Confirmation of Cancellation Letter from the developer/lawyer OR
  
  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
  
  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
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.
  
  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)
  
  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
  
  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
  
  Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner OR
  
  Real Property Gain Tax Form 5/5A AND Sale and Purchase Agreement between you and the new owner) OR
  
  Proclamation of Sale from Administrator (Form KTN 16I)/Proclamation of Sale from Court (Form KTN 16F) OR
  
  Confirmation by auction bank on property auction OR
  
  Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases) OR
  
  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
  
  Confirmation letter from the authorities (Housing and Local Government Ministry/Municipal Councils/District Offices/Penghulu) for houses damaged by natural disasters; OR
  
  Confirmation letter from the Housing and Local Government Ministry/State Government for abandoned housing projects/troubled housing projects/ailing housing projects OR
  
  Deed of Revocation or Deed of Rescission for the first house OR Confirmation of Cancellation Letter from the developer/lawyer OR
  
  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
  
  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).

VIEW e-PENGELUARAN STRATEGIC PARTNER

WITHDRAW VIA i-AKAUN

APPLY FOR MANUAL WITHDRAWAL

Local Payments	Overseas Payments
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	Full payment in your preferred currency will be made through Foreign Demand draft If your preferred currency is in the accepted currency list
You will be issued a Bankers Cheque If payment to your account is unsuccessful	Full payment in US Dollar (USD) will be made through Foreign Demand draft If your preferred currency is not in the accepted currency list

Owning A House

For many of us, the soaring property prices have made homeownership a seemingly impossible dream and taking a leap from renting to buying is one big milestone. To enable our members to plan for a comfortable retirement, we allow you to withdraw from Account 2 to finance the purchase of a house.

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

At least RM500 in Account 2

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

Never made a housing withdrawal/have made housing withdrawal before but have sold/disposed of the property

Categories

What You Can Withdraw

What You Need

Documents

Additional documents for 1st or 2nd house

1st House

2nd House

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

At least RM500 in Account 2

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

Never made a housing withdrawal/have made housing withdrawal before but have sold/disposed of the property

Categories

What You Can Withdraw

What You Need

Documents

Additional documents for 1st or 2nd house

1st House

Deed Title Has Been Issued

Deed Title Has Not Been Issued

Deed Title Has Been Issued

Deed Title Has Not Been Issued

2nd House

Supporting Documents for Purchasing/Building a Second House

Deed Title Has Been Issued

Priority requirement – Deed Title Issued/Not Issued

Deed Title Has Not Been Issued

Priority requirement – Deed Title Issued/Not Issued

Deed Title Has Been Issued

Deed Title Has Not Been Issued

Who Can Apply

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

At least RM500 in Account 2

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

Never made a housing withdrawal/Have made housing withdrawal before but have sold/disposed of the property

Categories

What You Can Withdraw

What You Need

Documents

Additional documents for 1st or 2nd house

1st House

2nd House

1. Certify your documents

Ensure ALL copies of documents have been certified and acknowledged by the 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 savings/current account.

3. Submit to EPF

Send your completed submissions at your nearest EPF Counter or mail it to the EPF.

4. Need more information?

Refer to our product brochure for additional information.

EMPLOYEES PROVIDENT FUND