Minimum 1,000 units for EPF investment scheme, maximum units per holder has increased to 400,000 units compare 200,000 units previously.

As usual, the remaining investment after taken out from EPF for AHB will be credited back to your account one, withdrawal still need to wait till 55 year old for account one except some reason as stated in Employee Provident Fund (EPF) website.

http://www.maybank-am.com/phb-increases-ah...5-billion-units

http://www.theedgemalaysia.com/business-ne...-each-unit.html
You can apply personal loan, don't need to wait loan that only open for AHB.
If the return cannot bet the BLR, just take thing for granted and paid your debts.