Last updated : 09 Dec 2019    

Housing Loan Monthly Instalment

Paying a monthly mortgage is no easy feat, especially for those of us with growing commitments. In an effort to ease the burden of homeowners, the EPF introduced the Housing Loan Monthly Instalment Withdrawal. So that when you find yourself in a tight spot financially, you can make a withdrawal from your Account 2 to help cover your monthly housing loan instalment for a minimum period of six months, or until your financial recovery.

Who Can Apply



Malaysians & non-Malaysians

(with PR status or registered as EPF Member before 1 Aug 1998)


Below 55 years of age upon application


At least RM600 in Account 2


Bought/built a residential home*


You have an outstanding housing loan with an EPF approved loan providers recognised by the EPF**


Started paying monthly loan instalments

*Residential Home - bungalow/terrace/semi-detached/apartment/condominium/studio apartment/service apartment/townhouse/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.

What You Can Withdraw

Total housing loan balance
Entire savings in Account 2
Total housing loan balance
Applicant’s entire savings in Account 2
Whichever is lower but subject to a minimum monthly payment of RM100 for a period of six months*

*The maximum monthly payment amount to you and the joint applicant (if any) should not exceed the total monthly loan instalment.

What You Should Know

  • Withdrawal is restricted to one house per member. Subsequent withdrawals can be made for the same house only.
  • In the case of re-financing, the loan balance accounted for is based on the original housing loan payment from the first loan financier OR the latest loan balance, whichever is lower. If several financiers are involved, the loan redemption letter will be compared against the latest balance to determine the eligible withdrawal amount.
  • You can make a withdrawal to reduce/settle your housing loan balance AND to pay your monthly housing loan instalment simultaneously.
  • EPF reserves the right to cancel your monthly payment withdrawal if your loan has been fully settled, your house has been sold/auctioned/it’s ownership transferred to another party or if you have been found guilty of fraud by submitting false documents/information.
  • Those with NPL status can apply for withdrawal, the payment will be paid straight into the housing loan account.
  • Monthly instalment payments should not exceed 55 years of age.
  • For subsequent withdrawals, you can apply as early as 30-days before your final monthly instalment payment.
  • The withdrawal amount will the taken from Account 2 and will be placed into a Special Account for your monthly loan instalment payment and its dividend will be credited into your Account 2 after the yearly dividend declaration

What You Need


  • 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
  • Form KWSP 3 (Pindaan) - For mail submissions/failed thumbprint verification

*Applies to first and subsequent withdrawals, with or without re-financing. In the case of multiple re-financing, you are required to produce all Loan Approval and Debt Redemption letters from the previous financier.


    You can cancel the monthly payments after one (1) year from the date of withdrawal. All you have to do is fill up the Withdrawal Cancellation Application Form WDW004. Upon cancellation, you can submit a new application to restructure the amount or duration of your monthly payment according to the remaining balance in your Account 2 not exceeding the existing housing loan balance.

    Direct Credit Bankers Cheque

    Monthly payment in Ringgit Malaysia (RM) will be credited to your savings/current account

    If you hold an active account with our panel bank and your identification number matches the bank records

    You will be issued a Bankers Cheque If payment to your account is unsuccessful

    Monthly payment will be made via Bankers Cheque to the financial provider’s address as stated in your Housing Loan Balance Statement

    If your loan is a non-performing loan (NPL)


    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)


    2. Double check your panel banks

    Refer to the list of EPF panel banks for direct crediting of payment into member’s 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.


    5. Reminder to all members who have active Housing Loan Monthly Instalments Withdrawals

    If your withdrawal is still active, please refer to the link below.