Term of Withdrawal

You are eligible to apply if you:
  • Buy a residential house (type : bungalow/terrace/semi-detached/condominium/apartment/studio apartment/service apartment/townhouse) or a shop lot with residential unit or a small office home office (SOHO) unit.
  • The purchase of the house is financed by:
    • Housing loan from any of the following institutions:
      Financial Institutions licensed under the Banking and Financial Institutions Act 1989 (BAFIA);
      Central / State government or any other government financial agencies;
      Member's employers;
      Cooperatives / Cooperative Companies with license (approved by Cooperative Development Department, Ministry of Entrepreneur and Co-operative Development)
      Licensed insurance companies as approved by the Central Bank of Malaysia;
      Loan providers as allowed by the EPF; OR
    • Cash
  • The date of the Sale and Purchase agreement is not more than three (3) years at the time your application is received by the EPF.
  • You have never made a Housing Withdrawal; OR you have made a withdrawal to purchase your first house and have sold the house or disposal of ownership has taken place and now you intend to build your second house. Proof of sale / disposal of ownership of the first house must be submitted to the EPF.
  • You want to buy a house which has been acquired from a rental with a view of purchase agreement from a party authorised by the EPF.
  • You have bought a land and built a house on the same land simultaneously (dates of the agreement to purchase the land and the agreement to construct the house must be within 6 months).
You are not eligible to apply if you:
  • Buy a land or a house lot only.
  • Renovate, repair or do additional work to the existing house.
  • Property ownership is not via sale & purchase transaction.
  • Have taken an overdraft loan.
  • Buy a third house.
  • Buy a house in a foreign country.

You may visit this link www.kwsp.gov.my for more accurate & extensive information due to these terms & conditions are regularly updated.

List of Documents Required

You may visit this link www.kwsp.gov.my for the list of documents required for submission.


EPF Withdrawal Calculator

You may visit this link www.kwsp.gov.my for an EPF withdrawal calculation.