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> KWSP-cara keluarkan $ dari akaun 2., how ah ?

hardcoreangel
post Apr 10 2012, 08:42 AM, updated 2 years ago


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Morning k/

Selain tujuan utk pinjaman rumah,kawin,bayar hutang, ape lagi cara utk membolehkan pengeluaran wang di Akaun 2 KWSP ?
inb4, last time mereka cakap nak beli komputer pon boleh ,tapi disebabkan ramai yang tipu. nowdays dah tak boleh eh ? advise sket.

#beware, troller come in.
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yahiko
post Apr 10 2012, 08:43 AM


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kahwin pun boleh meh?
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snetha11
post Apr 10 2012, 08:44 AM


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rasanya itu saje kot leh kuarkan. utk beli rumah kedua x pasti.

eh wait. utk beli unit trust boleh guna akaun 2 jgak! smile.gif
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hardcoreangel
post Apr 10 2012, 08:44 AM


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QUOTE(yahiko @ Apr 10 2012, 08:43 AM)
kahwin pun boleh meh?
*
ntah. not so sure.main hentam je. haha.
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hardcoreangel
post Apr 10 2012, 08:45 AM


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QUOTE(snetha11 @ Apr 10 2012, 08:44 AM)
rasanya itu saje kot leh kuarkan. utk beli rumah kedua x pasti.

eh wait. utk beli unit trust boleh guna akaun 2 jgak! smile.gif
*
apo tu? brief sket hmm.gif
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snetha11
post Apr 10 2012, 08:47 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 08:45 AM)
apo tu?  brief sket  hmm.gif
*
huhu. kena elaborate ke? jap x sure. tp rasanya leh pakai akaun 2 utk beli unit trust la, from public mutual ke, cimb ke. tp the returns still akan masuk balik ur akaun 2.

pasal rumah kedua tu x sure. ingat nk check jgk dgn kwsp tp xsmpt nk tanya lg
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hardcoreangel
post Apr 10 2012, 08:48 AM


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QUOTE(snetha11 @ Apr 10 2012, 08:47 AM)
huhu. kena elaborate ke? jap x sure. tp rasanya leh pakai akaun 2 utk beli unit trust la, from public mutual ke, cimb ke. tp the returns still akan masuk balik ur akaun 2.

pasal rumah kedua tu x sure. ingat nk check jgk dgn kwsp tp xsmpt nk tanya lg
*
oh thanks bro .
kang da dapat jawpn,bgtau aku skali eh. hehe
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snetha11
post Apr 10 2012, 08:50 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 08:48 AM)
oh thanks bro .
kang da dapat jawpn,bgtau aku skali eh. hehe
*
ok. baru check. investment in unit trusts from akaun 1

akaun 2 utk pengeluaran utk byr downpayment rumah sahaja. tp actually kalau dah dpt duit tu, leh je gunakan utk invest kt unit trust. and we keep the money.
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hardcoreangel
post Apr 10 2012, 08:52 AM


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QUOTE(snetha11 @ Apr 10 2012, 08:50 AM)
ok. baru check. investment in unit trusts from akaun 1

akaun 2 utk pengeluaran utk byr downpayment rumah sahaja. tp actually kalau dah dpt duit tu, leh je gunakan utk invest kt unit trust. and we keep the money.
*
tp kene tggu umor 55 taon is it ?
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snetha11
post Apr 10 2012, 08:54 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 08:52 AM)
tp kene tggu umor 55 taon is it ?
*
tidak.

aku baru 25. aku kuarkan je akaun 2 aritu utk bayar downpayment rumah. actually kau kena sign S&P dulu, stamped it, and bwk some other relevant documents utk kuarkan from akaun 2 tu. xyah tunggu 55. dkt website kwsp ada list kan the relevant documents yg kau kena bwk
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AsuKi
post Apr 10 2012, 08:55 AM


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QUOTE(snetha11 @ Apr 10 2012, 08:54 AM)
tidak.

aku baru 25. aku kuarkan je akaun 2 aritu utk bayar downpayment rumah. actually kau kena sign S&P dulu, stamped it, and bwk some other relevant documents utk kuarkan from akaun 2 tu. xyah tunggu 55. dkt website kwsp ada list kan the relevant documents yg kau kena bwk
*
fuuuu 25 edy buy home? ayam jelly
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snetha11
post Apr 10 2012, 08:57 AM


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so basically. bila kau withdraw EPF from akaun 2, kau dah kena bayar dah downpayment for rumah tu bro. so bila dah kuarkan duit tu, kau either bleh pakai utk renovate the house, or invest la kt unit trust. or u can invest in gold (tp timing mcm dah x best, harga tinggi sgt).

or sedekah je kt aku. hohoho
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snetha11
post Apr 10 2012, 08:59 AM


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QUOTE(AsuKi @ Apr 10 2012, 08:55 AM)
fuuuu 25 edy buy home? ayam jelly
*
i know ppl who bought their first house at even younger age than me. >_<
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downto3arth
post Apr 10 2012, 09:00 AM


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QUOTE(snetha11 @ Apr 10 2012, 08:44 AM)
rasanya itu saje kot leh kuarkan. utk beli rumah kedua x pasti.

eh wait. utk beli unit trust boleh guna akaun 2 jgak! smile.gif
*
opps slah...
utk unit trust akaun satu jer...
akaun kedua mmg tuk bli rumah...
tp kalau korg nk duit jd lg byk (long term) mmg elok benar masuk unit trust...
nk tau lbih info gtau haku... flex.gif

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downto3arth
post Apr 10 2012, 09:01 AM


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QUOTE(snetha11 @ Apr 10 2012, 08:54 AM)
tidak.

aku baru 25. aku kuarkan je akaun 2 aritu utk bayar downpayment rumah. actually kau kena sign S&P dulu, stamped it, and bwk some other relevant documents utk kuarkan from akaun 2 tu. xyah tunggu 55. dkt website kwsp ada list kan the relevant documents yg kau kena bwk
*
akaun kedua mmg xyah tggu 55tahun...
itu akaun 1...
aku kje kwsp dlu...aku taula..
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snetha11
post Apr 10 2012, 09:02 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:00 AM)
opps slah...
utk unit trust akaun satu jer...
akaun kedua mmg tuk bli rumah...
tp kalau korg nk duit jd lg byk (long term) mmg elok benar masuk unit trust...
nk tau lbih info gtau haku... flex.gif
*
kalau rumah kedua, bleh kuarkan from account 2 lg x? or kena tunggu jual rumah 1st baru leh kuarkan lg duit epf from akaun 2 utk cover balik downpayment rumah kedua>?

sorry belit2 sket. harap kau paham
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downto3arth
post Apr 10 2012, 09:06 AM


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QUOTE(snetha11 @ Apr 10 2012, 09:02 AM)
kalau rumah kedua, bleh kuarkan from account 2 lg x? or kena tunggu jual rumah 1st baru leh kuarkan lg duit epf from akaun 2 utk cover balik downpayment rumah kedua>?

sorry belit2 sket. harap kau paham
*
jap222...maksud ko nk bli umah ke2...nk kuarkn duit dr akaun ke2 lg sekali?
baki ade byk lg x?
same x mcm ko tny?

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hardcoreangel
post Apr 10 2012, 09:06 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:01 AM)
akaun kedua mmg xyah tggu 55tahun...
itu akaun 1...
aku kje kwsp dlu...aku taula..
*
ok kalau cam tu,ape lagi cara boleh keluarkan slain reason2 tu ?
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soundsyst64
post Apr 10 2012, 09:08 AM


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boleh bayar ptptn
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snetha11
post Apr 10 2012, 09:08 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:06 AM)
jap222...maksud ko nk bli umah ke2...nk kuarkn duit dr akaun ke2 lg sekali?
baki ade byk lg x?
same x mcm ko tny?
*
dah beli. so now nk cover balik, aku mcm nk kuarkan duit epf. aha ada lg baki dlm tu. sbb x silap aku, leh withdraw within 3 years after signing s&p kan? so basically should i decide nak kuarkan from akaun 2 in another 2 years (tp still within the 3 years time frame), so bleh ar kuarkan? even though x jual lg rumah 1st?

sbb aku dgr byk opinion. confused sekejap. ada kwn ckp kena jual umah 1st baru leh kuarkan duit akaun 2 epf utk rumah kedua. since kau penah keja epf might as well tanya saje
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samuraikacang
post Apr 10 2012, 09:09 AM


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you can use account 2 to fund your education and to pay for medical related item for chronic disease such as OSA cases where you need CPAP machine

This post has been edited by samuraikacang: Apr 10 2012, 09:10 AM
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hardcoreangel
post Apr 10 2012, 09:10 AM


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QUOTE(samuraikacang @ Apr 10 2012, 09:09 AM)
you can use account 2 to fund your education.
*
yeah,this 1 i know already, but they will do the process right ? i mean, they can`t give us the exact money and we go to pay ourself right ?
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snetha11
post Apr 10 2012, 09:11 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:10 AM)
yeah,this 1 i know already, but they will do the process right ? i mean, they can`t give us the exact money and we go to pay ourself right ?
*
sounds devious. mcm nk gunakan duit epf akaun 2 utk benda lain jerr tongue.gif.

nak kawin ke? haha rclxms.gif
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downto3arth
post Apr 10 2012, 09:12 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:06 AM)
ok kalau cam tu,ape lagi cara boleh keluarkan slain reason2 tu ?
*
erm...xde dah rase nye reason lain bro..
nape bro...lu mcm desperate nk gune duit je...
nk wat personal loan ke?

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samuraikacang
post Apr 10 2012, 09:12 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:10 AM)
yeah,this 1 i know already, but they will do the process right ? i mean, they can`t give us the exact money and we go to pay ourself right ?
*
they pay directly to the institution. if your fee is rm14k, your saving is rm14k, they pay rm14k.
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snetha11
post Apr 10 2012, 09:14 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:12 AM)
erm...xde dah rase nye reason lain bro..
nape bro...lu mcm desperate nk gune duit je...
nk wat personal loan ke?
*
kalau bleh jgn wt personal loan. interest rate tinggi gila.
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hardcoreangel
post Apr 10 2012, 09:14 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:12 AM)
erm...xde dah rase nye reason lain bro..
nape bro...lu mcm desperate nk gune duit je...
nk wat personal loan ke?
*
QUOTE(snetha11 @ Apr 10 2012, 09:11 AM)
sounds devious. mcm nk gunakan duit epf akaun 2 utk benda lain jerr tongue.gif.

nak kawin ke? haha  rclxms.gif
*
Haha, kind of la.actually aku baru start keje kat KL .so permulaan ni byk jgak nak kene gune duet,nak bayar duet kete lah,sewa rumah 1x3 lagi. adoii , sbb tu ingat nak settle up those things dlu tp nampaknya mcm takda cara. haha .thanks for advise anyway.
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downto3arth
post Apr 10 2012, 09:14 AM


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bank mne ?
bank rakyat ok je...

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snetha11
post Apr 10 2012, 09:15 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:14 AM)
Haha, kind of la.actually aku baru start keje kat KL .so permulaan ni byk jgak nak kene gune duet,nak bayar duet kete lah,sewa rumah 1x3 lagi. adoii , sbb tu ingat nak settle up those things dlu tp nampaknya mcm takda cara. haha .thanks for advise anyway.
*
hurm akaun 2 mmg xleh pakai utk benda tu.
tp my advice: make personal loan as ur last resort. sbb kalau dah pakai personal loan, nanti kena byr interest tinggi gila.
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downto3arth
post Apr 10 2012, 09:16 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:14 AM)
Haha, kind of la.actually aku baru start keje kat KL .so permulaan ni byk jgak nak kene gune duet,nak bayar duet kete lah,sewa rumah 1x3 lagi. adoii , sbb tu ingat nak settle up those things dlu tp nampaknya mcm takda cara. haha .thanks for advise anyway.
*
bro lu kje gomen ke?
lu da kawin ?
bese la bro...
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snetha11
post Apr 10 2012, 09:16 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:14 AM)
bank mne ?
bank rakyat ok je...
*
brp rate for bank rakyat? brp effective interest rate dia?
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Benny-T
post Apr 10 2012, 09:16 AM


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you can appeal to use akaun 2 to pay housing loan installment
straight bank in to your bank account but how u use it,you punya pasal la
as for public mutual that one use akaun 1 only not akaun 2
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hardcoreangel
post Apr 10 2012, 09:19 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:16 AM)
bro lu kje gomen ke?
lu da kawin ?
bese la bro...
*
takda la.keje bese2 je bro.blom kawin lg,.so better keep it smpai time nak kawin.
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downto3arth
post Apr 10 2012, 09:23 AM


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so kne pandai manage duit la...
one thing...duk kat kl ni kite jgn ikut org sgt bro..
mcm aku...duk umah bese2 je...pkai kete 2nd...
hidup sederhana..sbb zaman skang nk kne ade byk cash der...
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fantasy1989
post Apr 10 2012, 09:25 AM


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u can take epf money out to do investment right? like public mutual ..but win or gone ..all money go back to epf 1
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snetha11
post Apr 10 2012, 09:26 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:19 AM)
takda la.keje bese2 je bro.blom kawin lg,.so better keep it smpai time nak kawin.
*
buat budget, and try to stick to it. u need a good fiscal discipline.
nah link utk ur personalized budget template

http://www.vertex42.com/ExcelTemplates/budgets.html
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hardcoreangel
post Apr 10 2012, 09:34 AM


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QUOTE(fantasy1989 @ Apr 10 2012, 09:25 AM)
u can take epf money out to do investment right? like public mutual ..but win or gone ..all money go back to epf 1
*
i think it is. hrmm
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downto3arth
post Apr 10 2012, 09:37 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:34 AM)
i think it is. hrmm
*
tp bro kalau ko amik 10k invest kt public mutual...
lg byk ko dpt...
contoh kalau kt kwsp...25thn akn dtg mgkin ko dpt dlm 100k..
kalau unit trust ko leh dpt 200k and above..
think about it bro..

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fantasy1989
post Apr 10 2012, 09:42 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 09:34 AM)
i think it is. hrmm
*
if epf give 6% and public mutual per year can give u 8 to 9% ..then imagine 20 years ...how many percent different already
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downto3arth
post Apr 10 2012, 09:44 AM


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QUOTE(fantasy1989 @ Apr 10 2012, 09:42 AM)
if epf give 6% and public mutual per year can give u 8 to 9% ..then imagine 20 years ...how many percent different already
*
btol2...8% - 12 %...
more money ...
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fix24311
post Apr 10 2012, 09:44 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:37 AM)
tp bro kalau ko amik 10k invest kt public mutual...
lg byk ko dpt...
contoh kalau kt kwsp...25thn akn dtg mgkin ko dpt dlm 100k..
kalau unit trust ko leh dpt 200k and above..
think about it bro..
*
invest guna KWSP, dividen masuk akaun KWSP balik ke? unsure.gif
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downto3arth
post Apr 10 2012, 09:46 AM


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QUOTE(fix24311 @ Apr 10 2012, 09:44 AM)
invest guna KWSP, dividen masuk akaun KWSP balik ke? unsure.gif
*
eh xlah...
sbb bkn invest semua...
amik 10k..
kalau invest cash...end of the year bleh kuarkn...mcm asb..

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fix24311
post Apr 10 2012, 09:47 AM


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QUOTE(downto3arth @ Apr 10 2012, 09:46 AM)
eh xlah...
sbb bkn invest semua...
amik 10k..
kalau invest cash...end of the year bleh kuarkn...mcm asb..
*
akaun 1 ke akaun 2 yang boleh guna untuk invest? unsure.gif
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downto3arth
post Apr 10 2012, 09:48 AM


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akaun 1...


Added on April 10, 2012, 9:49 amberminat ke?

This post has been edited by downto3arth: Apr 10 2012, 09:49 AM
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hardcoreangel
post Apr 10 2012, 02:42 PM


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QUOTE(downto3arth @ Apr 10 2012, 09:46 AM)
eh xlah...
sbb bkn invest semua...
amik 10k..
kalau invest cash...end of the year bleh kuarkn...mcm asb..
*
yeke bro ?aku tak taw pn bende nie.hrmm
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fix24311
post Apr 10 2012, 04:04 PM


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QUOTE(downto3arth @ Apr 10 2012, 09:48 AM)
akaun 1...


Added on April 10, 2012, 9:49 amberminat ke?
*
PM saya... smile.gif
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FazLow9
post Nov 8 2012, 03:46 PM


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Salam kengkawan, jarang nampak thread bahasa ibunda dlm LYN nie... ke aku yg yg overlooked tongue.gif

Ok... sape sembang pasal withdrawal akaun 1 for public mutual tue... tolong PM hamba ye.... berminat benor.... dah bedal 4k untuk ASB... nie nak melabor lg... mane leh bagi gomen hentam duit kita... ye tak? hohoho

LAgi satu... ade sesape expert bab pengeluaran kesihatan? teman nak beli alat untuk Obstructive Sleep Apnoea ... tp mahal benor... ada tak sesape leh kawtim muroh...pastu...lebihan skett... dapat duit poket teman belanjer beli ubat lain...

tenkiu!


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grey_m45k
post Nov 8 2012, 03:51 PM


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QUOTE(snetha11 @ Apr 10 2012, 10:14 AM)
kalau bleh jgn wt personal loan. interest rate tinggi gila.
*
depends bro depends . klu ko de panel kt mana2 bank , interest rendah kot.
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Benny-T
post Nov 8 2012, 03:55 PM


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QUOTE(downto3arth @ Apr 10 2012, 09:37 AM)
tp bro kalau ko amik 10k invest kt public mutual...
lg byk ko dpt...
contoh kalau kt kwsp...25thn akn dtg mgkin ko dpt dlm 100k..
kalau unit trust ko leh dpt 200k and above..
think about it bro..
*
sorry la kalo ak leh ambik asal ak kena bagi orang manage
siap fund manager charge ak 5.5% plak

baik akaun 1 ak amik beli KLSE terus,xyah bayar fund manager pun
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hardcoreangel
post Nov 8 2012, 04:01 PM


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dafuk.
topic ni aku created Apr 10 2012, 08:42 AM.
da 5 bulan sial, kejap btol masa berlalu.
sape plak da yg up topik nie.lol

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Benny-T
post Nov 8 2012, 04:02 PM


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QUOTE(hardcoreangel @ Nov 8 2012, 04:01 PM)
dafuk.
topic ni aku created Apr 10 2012, 08:42 AM.
da 5 bulan sial, kejap btol masa berlalu.
sape plak da yg up topik nie.lol
*
necromancy mastery level 9999
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Aerosmith
post Nov 8 2012, 04:18 PM


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QUOTE(FazLow9 @ Nov 8 2012, 03:46 PM)
Salam kengkawan, jarang nampak thread bahasa ibunda dlm LYN nie... ke aku yg yg overlooked tongue.gif

Ok... sape sembang pasal withdrawal akaun 1 for public mutual tue... tolong PM hamba ye.... berminat benor.... dah bedal 4k untuk ASB... nie nak melabor lg... mane leh bagi gomen hentam duit kita... ye tak? hohoho

LAgi satu... ade sesape expert bab pengeluaran kesihatan? teman nak beli alat untuk Obstructive Sleep Apnoea ... tp mahal benor... ada tak sesape leh kawtim muroh...pastu...lebihan skett... dapat duit poket teman belanjer beli ubat lain...

tenkiu!
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PM saye jugak.
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grey_m45k
post Nov 8 2012, 04:21 PM


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vavi aku tak tgk date..

semua ni http://forum.lowyat.net/user/FazLow9 punya pasal..

pui
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hardcoreangel
post Nov 8 2012, 04:32 PM


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QUOTE(grey_m45k @ Nov 8 2012, 04:21 PM)
vavi aku tak tgk date..

semua ni http://forum.lowyat.net/user/FazLow9 punya pasal..

pui
*
fuuuuu,
aku sndiri pn tak faham bagaimane beliau tjumpe thread ni.
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FazLow9
post Nov 9 2012, 07:25 AM


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QUOTE(grey_m45k @ Nov 8 2012, 04:21 PM)
vavi aku tak tgk date..

semua ni http://forum.lowyat.net/user/FazLow9 punya pasal..

pui
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marah ke yob bukak thread lamer?
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FazLow9
post Nov 9 2012, 07:26 AM


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QUOTE(hardcoreangel @ Nov 8 2012, 04:32 PM)
fuuuuu,
aku sndiri pn tak faham bagaimane beliau tjumpe thread ni.
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aku google da tongue.gif
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grey_m45k
post Nov 9 2012, 09:22 AM


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QUOTE(FazLow9 @ Nov 9 2012, 08:25 AM)
marah ke yob bukak thread lamer?
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tak marah cume lawak. aku sendiri tak check date. pui
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fandi4151
post Jan 19 2013, 03:38 AM


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QUOTE(snetha11 @ Apr 10 2012, 09:11 AM)
sounds devious. mcm nk gunakan duit epf akaun 2 utk benda lain jerr tongue.gif.

nak kawin ke? haha  rclxms.gif
*
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fandi4151
post Jan 19 2013, 03:44 AM


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Pengeluran kwsp ac2 utk kegunaan peribadi..
Sesiapa berminat saya leh tlg uruskn.. Sms@wassap ke: 0173145103. Utk area kl & selangor jer..,
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nurashidnm
post Nov 2 2014, 01:59 PM


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QUOTE(snetha11 @ Apr 10 2012, 08:44 AM)
rasanya itu saje kot leh kuarkan. utk beli rumah kedua x pasti.

eh wait. utk beli unit trust boleh guna akaun 2 jgak! smile.gif
*
Unit trust tabung 1 je
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zeist
post Nov 2 2014, 02:02 PM


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I already started withdrawing for my education fund.
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Davidfts
post Nov 27 2014, 10:40 AM


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Anyone can tells me, if i can withdraw my account 2 money even i don't have my name at the S&P. My wife name is in the S&P.
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Scavengers
post Nov 27 2014, 01:09 PM


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setakat nih dah guna my epf untuk bayar
- downpayment umah
- ansuran bulanan umah

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hardcoreangel
post Nov 27 2014, 03:06 PM


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QUOTE(Scavengers @ Nov 27 2014, 01:09 PM)
setakat nih dah guna my epf untuk bayar
- downpayment umah
- ansuran bulanan umah
*
senang tak ?
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azzry
post Nov 27 2014, 03:41 PM


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QUOTE(hardcoreangel @ Nov 27 2014, 03:06 PM)
senang tak  ?
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sng je bro.. yg penting akaun ade isi.. ikut je bende yg dia nk dlm borang tu. simple gila. sminggu je proses.
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TunaFish1990
post Nov 27 2014, 03:45 PM


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QUOTE(snetha11 @ Apr 10 2012, 08:50 AM)
ok. baru check. investment in unit trusts from akaun 1

akaun 2 utk pengeluaran utk byr downpayment rumah sahaja. tp actually kalau dah dpt duit tu, leh je gunakan utk invest kt unit trust. and we keep the money.
*
not sure got oother reply liao or not since page 4 d...but account 1 u keluarkan untuk buy unit trust or retirement fund...if u get any profit..it will go back into Account 1 also..

end up after 55 only can take out the money...
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yahiko
post Nov 27 2014, 03:47 PM


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QUOTE(Davidfts @ Nov 27 2014, 10:40 AM)
Anyone can tells me, if i can withdraw my account 2 money even i don't have my name at the S&P. My wife name is in the S&P.
*
to get the withdraw MUST have ur name.


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Scavengers
post Nov 27 2014, 05:44 PM


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QUOTE(hardcoreangel @ Nov 27 2014, 03:06 PM)
senang tak  ?
*
senang je bro ..
tapi kena prepare semua dokumen yg diminta
-keluarkan deposit rumah (3 hari)
-keluarkan ansuran bulanan (1 hari)
i can say epf mmg sgt efisyen skarang ni thumbup.gif
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kathyasir
post Dec 15 2014, 02:02 PM


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Want to withdraw Account 2.

For House.

Need bring S&P.. IC, what else ?

Also, the money they put in our account or terus Housing loan account ?
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cybpsych
post Dec 15 2014, 02:07 PM


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QUOTE(kathyasir @ Dec 15 2014, 02:02 PM)
Want to withdraw Account 2.

For House.

Need bring S&P.. IC, what else ?

Also, the money they put in our account or terus Housing loan account ?
*
new house? or reduce current house loan?

to reduce house loan, can withdraw 100% from Account 2.

1) get official loan account statement from Bank. they will charge you a nominal fee. in my case, RM20 for OCBC. this accoutn statement is a standard format that follows EPF's format.

2) not sure still need S&P or not. but if the house is yours, just bring it along.


Bring all documents and statement account to EPF office. The whole process took about 5-10minutes. the fund from Acc 2 transferred to your housing loan account within 1 week (no cheque needed).


now i learnt, if you got cash/FDs/savings, better use them. Try not to touch EPF because the annual interest rate is averaging 6%, which is much higher than any savings/FD rate.

of course if your other investments can generate >6%, then use EPF instead.
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sharpex
post Dec 15 2014, 02:18 PM


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QUOTE(cybpsych @ Dec 15 2014, 02:07 PM)
new house? or reduce current house loan?

to reduce house loan, can withdraw 100% from Account 2.

1) get official loan account statement from Bank. they will charge you a nominal fee. in my case, RM20 for OCBC. this accoutn statement is a standard format that follows EPF's format.

2) not sure still need S&P or not. but if the house is yours, just bring it along.
Bring all documents and statement account to EPF office. The whole process took about 5-10minutes. the fund from Acc 2 transferred to your housing loan account within 1 week (no cheque needed).
now i learnt, if you got cash/FDs/savings, better use them. Try not to touch EPF because the annual interest rate is averaging 6%, which is much higher than any savings/FD rate.

of course if your other investments can generate >6%, then use EPF instead.

*
This. Unless you are bumi and got ASB account. If not, never touch EPF. dan berdoa agar kerajaan tak songlap itu duit.

I try to build up my EPF 2nd account so can join my boss in Mutual Gold investment. She already got the return around 50k over 1 year plus investment.
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kathyasir
post Dec 15 2014, 02:32 PM


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- New House -

We are waiting to get house Key - in Feb 2015.

I called KWSP just,

The lady said,

Need Fill:-

> Form 9C
> IC
> No Akaun
> S&P
> Bank Offer Letter

Is this correct ?
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cybpsych
post Dec 15 2014, 02:34 PM


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Types of EPF Withdrawals

- Age 50 Years Withdrawal
- Age 55 Years Withdrawal
- Withdrawal to Reduce / Redeem Housing Loan
- Incapacitation Withdrawal
- Leaving Country Withdrawal
- Education Withdrawal
- Pensionable Employees Withdrawal And Optional Retirement Withdrawal
- Members' Savings Investment Withdrawal
- Withdrawal to Purchase / Build a House
- Withdrawal Of Savings Of More Than RM1 Million
- Housing Loan Monthly Installment Withdrawal
- Death Withdrawal
- Flexible Housing Withdrawal
- Health Withdrawal
- Hajj Withdrawal

http://www.kwsp.gov.my/portal/en/web/kwsp/...-of-withdrawals


To findout how much of your EPF can be withdrawn, login to i-Akaun to find out.

user posted image
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pulautikus
post Dec 15 2014, 02:42 PM


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http://www.kwsp.gov.my/portal/member/membe...-of-withdrawals

baca sini dah la
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mousqy
post Dec 15 2014, 02:56 PM


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-bayar ptptn
-bayar duit rumah
-bayar dp rumah
-buat investment

ni list halal
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wan.ridzuan
post Dec 24 2014, 09:11 PM


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kalau aku nak keluarkan epf untuk kawin mcm mana nak menipu?
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IluvProton
post Dec 24 2014, 09:15 PM


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go 14th floor then can get all
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Acap1986
post Nov 26 2015, 08:16 AM


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utk beli komputer boleh ka???

and nnt igt nk renovate umah aku...

boleh ka nk renovate uma heee

This post has been edited by Acap1986: Nov 26 2015, 08:30 AM
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ChiaW3n
post Nov 26 2015, 08:39 AM


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QUOTE(soundsyst64 @ Apr 10 2012, 09:08 AM)
boleh bayar ptptn
*
can meh?
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wykl
post Nov 26 2015, 08:46 AM


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QUOTE(ChiaW3n @ Nov 26 2015, 08:39 AM)
can meh?
*
Tried this last month, confirm can. smile.gif

Try to login to the PTPTN website to check, or you can just call PTPTN or KWSP to know more details.
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Acap1986
post Nov 26 2015, 08:50 AM


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QUOTE(wykl @ Nov 26 2015, 08:46 AM)
Tried this last month, confirm can.  smile.gif 

Try to login to the PTPTN website to check, or you can just call PTPTN or KWSP to know more details.
*
boss can i use kwsp $ utk renovate uma

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ChiaW3n
post Nov 26 2015, 09:02 AM


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QUOTE(wykl @ Nov 26 2015, 08:46 AM)
Tried this last month, confirm can.  smile.gif 

Try to login to the PTPTN website to check, or you can just call PTPTN or KWSP to know more details.
*
Thanks for your info! i gonna call up PTPTN, their website always down one :noeyesee:
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muhammadsiddiq
post Nov 26 2015, 09:49 AM


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QUOTE(ChiaW3n @ Nov 26 2015, 09:02 AM)
Thanks for your info! i gonna call up PTPTN, their website always down one :noeyesee:
*
bayar one shoot ka bayar bulan2?
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creep
post Nov 26 2015, 09:57 AM


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QUOTE(Acap1986 @ Nov 26 2015, 08:16 AM)
utk beli komputer boleh ka???

and nnt igt nk renovate umah aku...

boleh ka nk renovate uma heee
*
Dulu bole beli PC tapi sebab ramai menipu terus dia tutup
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Acap1986
post Nov 26 2015, 10:02 AM


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QUOTE(creep @ Nov 26 2015, 09:57 AM)
Dulu bole beli PC tapi sebab ramai menipu terus dia tutup
*
ok tkpela kalo gitu utk renovate uma bole ka bro??? hmm.gif
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creep
post Nov 26 2015, 10:15 AM


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QUOTE(Acap1986 @ Nov 26 2015, 10:02 AM)
ok tkpela kalo gitu utk renovate uma bole ka bro??? hmm.gif
*
X bole gak ... Kalau bole lama dah aku buat ...lama x kuar duit epf ac 2
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Acap1986
post Nov 26 2015, 10:16 AM


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QUOTE(creep @ Nov 26 2015, 10:15 AM)
X bole gak ... Kalau bole lama dah aku buat ...lama x kuar duit epf ac 2
*
adoiiii...tkpela kot...janji uma aku dh abeh byr alhamdulillah la...just tggu dpt tetap je la...kuarkan hhmmm tkpe tkde rezeki next time eheheh
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Aicira
post Nov 26 2015, 10:21 AM


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QUOTE(hardcoreangel @ Apr 10 2012, 08:42 AM)
Morning k/

Selain tujuan utk pinjaman rumah,kawin,bayar hutang, ape lagi cara utk membolehkan pengeluaran wang di Akaun 2 KWSP ?
inb4, last time mereka cakap nak beli komputer pon boleh ,tapi disebabkan ramai yang tipu. nowdays dah tak boleh eh ? advise sket.

#beware, troller come in.
*
i never know we can draw kwsp for kahwin..r u drunk TS?
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ChiaW3n
post Nov 26 2015, 11:01 AM


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QUOTE(muhammadsiddiq @ Nov 26 2015, 09:49 AM)
bayar one shoot ka bayar bulan2?
*
thought i want bayar one shoot for my diploma loan.
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titanz
post Nov 26 2015, 11:21 AM


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beli kereta...rasanya boleh!
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muhammadsiddiq
post Nov 26 2015, 11:32 AM


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nak invest duit unit trust dalam kwsp. macam mana? anyone ?
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soundsyst64
post Nov 26 2015, 11:34 AM


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QUOTE(ChiaW3n @ Nov 26 2015, 08:39 AM)
can meh?
*
Can withdraw money from acct 2 to pay education loan.

http://www.kwsp.gov.my/portal/en/web/kwsp/...tion-withdrawal
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wykl
post Nov 26 2015, 02:12 PM


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QUOTE(Acap1986 @ Nov 26 2015, 08:50 AM)
boss can i use kwsp $ utk renovate uma
*
i dont think so, but u can check with kwsp..

the process of withdrawing the money is within 30 mins which is quite fast.. at KWSP PJ near the federal highway smile.gif
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wykl
post Nov 26 2015, 02:13 PM


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QUOTE(ChiaW3n @ Nov 26 2015, 09:02 AM)
Thanks for your info! i gonna call up PTPTN, their website always down one :noeyesee:
*
yea, tried to repay back the ptptn yesterday via the epay online system.. always got problem rclxub.gif
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Acap1986
post Nov 26 2015, 02:14 PM


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QUOTE(wykl @ Nov 26 2015, 02:12 PM)
i dont think so, but u can check with kwsp..

the process of withdrawing the money is within 30 mins which is quite fast.. at KWSP PJ near the federal highway  smile.gif
*
my friend tell me, you can but need the house geran it's your name... smile.gif

but i need 2k++ to change the geran name onto mine...

fuking people money money ...last 2 day ago burn out 13k for finishing the house installment cry.gif
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Joey Christensen
post Nov 26 2015, 02:21 PM


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QUOTE(hardcoreangel @ Apr 10 2012, 08:42 AM)
Morning k/

Selain tujuan utk pinjaman rumah,kawin,bayar hutang, ape lagi cara utk membolehkan pengeluaran wang di Akaun 2 KWSP ?
inb4, last time mereka cakap nak beli komputer pon boleh ,tapi disebabkan ramai yang tipu. nowdays dah tak boleh eh ? advise sket.

#beware, troller come in.
Education.
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Acap1986
post Nov 26 2015, 02:24 PM


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buying pc cannot...lol,...i wish i can...jsut need evga kingpin 980ti lol ahahah
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ChiaW3n
post Nov 26 2015, 03:42 PM


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QUOTE(wykl @ Nov 26 2015, 02:13 PM)
yea, tried to repay back the ptptn yesterday via the epay online system.. always got problem  rclxub.gif
*
i know right! always got problem pekcek ady! vmad.gif vmad.gif vmad.gif
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wykl
post Nov 26 2015, 11:46 PM


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QUOTE(Acap1986 @ Nov 26 2015, 02:14 PM)
my friend tell me, you can but need the house geran it's your name...  smile.gif

but i need 2k++ to change the geran name onto mine...

fuking people money money ...last 2 day ago burn out 13k for finishing the house installment  cry.gif
*
wow.. at least u have a house and u finished the installment edi.. how many years is your loan?
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omaigad
post Nov 27 2015, 12:05 AM


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QUOTE(ChiaW3n @ Nov 26 2015, 11:01 AM)
thought i want bayar one shoot for my diploma loan.
*
Paid i shoot my mara study loan...using epf
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Acap1986
post Nov 27 2015, 08:17 AM


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QUOTE(wykl @ Nov 26 2015, 11:46 PM)
wow.. at least u have a house and u finished the installment edi.. how many years is your loan?
*
this is my family house...father buy it on 1987 i guess...that time it's 25k...then when i start working...i help my father to pay this house...till become rm13,022.85 heee...rumah kos rendah sir...2 tingkat...at sungai kantan biggrin.gif
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ChiaW3n
post Nov 27 2015, 09:12 AM


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QUOTE(omaigad @ Nov 27 2015, 12:05 AM)
Paid i shoot my mara study loan...using epf
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got rebate right?
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omaigad
post Nov 27 2015, 10:45 AM


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QUOTE(ChiaW3n @ Nov 27 2015, 09:12 AM)
got rebate right?
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Mara already gave discount 50% from total of my study loan...

Mara study loan > ptptn....

No interest or what ever charge....
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zomby
post Nov 27 2015, 10:48 AM


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berapa minimum kena ada dlm acc baru boleh bawak kuar?
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Vape [On]
post Nov 27 2015, 10:55 AM


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QUOTE(omaigad @ Nov 27 2015, 10:45 AM)
Mara already gave discount 50% from total of my study loan...

Mara study loan > ptptn....

No interest or what ever charge....
*
Thats why they call it tongk....


Nvm
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ashportal
post Nov 27 2015, 11:04 AM


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Guna je akaun 2 tu, mintak nak kluarkan utk ansuran loan rumah. Bring all the documents needed, process 3-4 days, money masuk ur back account.

U sendiri manage the money brows.gif so pandai2la

They dont care where the money go after that, but next time u want to do that again and u ade record of not servicing house loan, become susah la to apply again
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ChiaW3n
post Nov 27 2015, 12:00 PM


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QUOTE(omaigad @ Nov 27 2015, 10:45 AM)
Mara already gave discount 50% from total of my study loan...

Mara study loan > ptptn....

No interest or what ever charge....
*
damn nais loh!
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epsonstylux
post Nov 27 2015, 12:07 PM


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QUOTE(snetha11 @ Apr 10 2012, 08:54 AM)
tidak.

aku baru 25. aku kuarkan je akaun 2 aritu utk bayar downpayment rumah. actually kau kena sign S&P dulu, stamped it, and bwk some other relevant documents utk kuarkan from akaun 2 tu. xyah tunggu 55. dkt website kwsp ada list kan the relevant documents yg kau kena bwk
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Bukan bila kau booking je dah boleh kluarkan ke?

Provide the receipt for booking fee

Btw sambung belajar pun bole TS
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creep
post Nov 27 2015, 12:09 PM


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QUOTE(ashportal @ Nov 27 2015, 11:04 AM)
Guna je akaun 2 tu, mintak nak kluarkan utk ansuran loan rumah. Bring all the documents needed, process 3-4 days, money masuk ur back account.

U sendiri manage the money  brows.gif  so pandai2la

They dont care where the money go after that, but next time u want to do that again and u ade record of not servicing house loan, become susah la to apply again
*
Dulu bole buat camtu sekarang EPF credit direct ke housing loan ac dah
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VirginGreen
post Nov 27 2015, 12:15 PM


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now can take out money to pay hospital bill
from account 2
my friend just asked epf and they said can
only pay for yourself and immediate family members like your dad, mum
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adolph
post Nov 27 2015, 12:16 PM


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QUOTE(creep @ Nov 27 2015, 12:09 PM)
Dulu bole buat camtu sekarang EPF credit direct ke housing loan ac dah
*
really, since when?

sorry im a banker but not dealing with mortgages yet, i want to do this also since i want to live in overseas soon.
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ashportal
post Nov 27 2015, 12:25 PM


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QUOTE(creep @ Nov 27 2015, 12:09 PM)
Dulu bole buat camtu sekarang EPF credit direct ke housing loan ac dah
*

Last time i checked (middle of 2015) still can, yang aku tau kes direct into loan account is only for bayar tunggakan loan rumah

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call me random
post Nov 27 2015, 12:29 PM


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Atm la
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creep
post Nov 27 2015, 12:34 PM


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QUOTE(ashportal @ Nov 27 2015, 12:25 PM)
Last time i checked (middle of 2015) still can, yang aku tau kes direct into loan account is only for bayar tunggakan loan rumah
*
Oh aku x prasan ansuran rumah ... Bole lagi ...dulu bole kuar sedebuk ac 2 tapi x bayar pon utk kurangkan tu yg EPF buat terus ke housing loan ... Aku sempat buat skali je
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wykl
post Nov 27 2015, 01:26 PM


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QUOTE(Acap1986 @ Nov 27 2015, 08:17 AM)
this is my family house...father buy it on 1987 i guess...that time it's 25k...then when i start working...i help my father to pay this house...till become rm13,022.85 heee...rumah kos rendah sir...2 tingkat...at sungai kantan  biggrin.gif
*
oh i see.. KL house nowadays is very hard to get sad.gif

you are lucky man smile.gif
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omaigad
post Nov 27 2015, 01:46 PM


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QUOTE(Vape On @ Nov 27 2015, 10:55 AM)
Thats why they call it tongk....
Nvm
*
Hahaha....even with tongkat pun bnyk meleis x bayar....i pun tumpang malu...
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max_cjs0101
post Nov 27 2015, 01:58 PM


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QUOTE(ashportal @ Nov 27 2015, 11:04 AM)
Guna je akaun 2 tu, mintak nak kluarkan utk ansuran loan rumah. Bring all the documents needed, process 3-4 days, money masuk ur back account.

U sendiri manage the money  brows.gif  so pandai2la

They dont care where the money go after that, but next time u want to do that again and u ade record of not servicing house loan, become susah la to apply again
*
Lat's say i have 10k in my acc2 and i withdraw the entire sum for loan repayment. I can only withdraw once eventhough the amount is not sufficient to cover the housing loan?

QUOTE(creep @ Nov 27 2015, 12:09 PM)
Dulu bole buat camtu sekarang EPF credit direct ke housing loan ac dah
*
Since when?
My friend just got her acc 2 money credited to her personal account few months ago.
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ashportal
post Nov 27 2015, 02:25 PM


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QUOTE(max_cjs0101 @ Nov 27 2015, 01:58 PM)
Lat's say i have 10k in my acc2 and i withdraw the entire sum for loan repayment. I can only withdraw once eventhough the amount is not sufficient to cover the housing loan?
Can, minimum withdrawal is rm100

wah, apa house u beli 10K cant cover?

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max_cjs0101
post Nov 27 2015, 02:48 PM


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QUOTE(ashportal @ Nov 27 2015, 02:25 PM)
Can, minimum withdrawal is rm100

wah, apa house u beli 10K cant cover?
*
The RM10k is to offset a part of the loan, not the monthly loan repayment.
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Acap1986
post Nov 27 2015, 02:48 PM


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QUOTE(wykl @ Nov 27 2015, 01:26 PM)
oh i see.. KL house nowadays is very hard to get  sad.gif 

you are lucky man  smile.gif
*
this belong to my new born baby girl sir ahhahaa...a gift for her..that's why i need
my kwsp money to renovate the house heee blush.gif

edit...ya the house so expensive...2 years ago...b4 married someone ask me about my house...he want to buy it rm400k lol... drool.gif

This post has been edited by Acap1986: Nov 27 2015, 02:49 PM
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hardcoreangel
post Nov 27 2015, 03:50 PM


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Jilaka ape thread 2012 pastu ckp aku drunk. taon 2012 yela aku drunk. it's fcking 3 years edi lah. btw, kalau apply house loan,duit straight msuk akaun,boleh enjoy?
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LazyKurosaki
post Nov 27 2015, 03:52 PM


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I was told that I need to topup 1k additional for my college fee due to the currency thing. They say can settle using kwsp. Can someone tell me what is the procedure ? I wan to use my kwsp to pay the additional 1k

This post has been edited by LazyKurosaki: Nov 27 2015, 03:52 PM
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wykl
post Dec 1 2015, 03:50 PM


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QUOTE(Acap1986 @ Nov 27 2015, 02:48 PM)
this belong to my new born baby girl sir ahhahaa...a gift for her..that's why i need
my kwsp money to renovate the house heee  blush.gif

edit...ya the house so expensive...2 years ago...b4 married someone ask me about my house...he want to buy it rm400k lol...  drool.gif
*
I see I see.. Congrats!
Hope u can get to withdraw money to renovate the house nicely smile.gif
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Acap1986
post Dec 1 2015, 04:33 PM


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QUOTE(wykl @ Dec 1 2015, 03:50 PM)
I see I see.. Congrats!
Hope u can get to withdraw money to renovate the house nicely smile.gif
*
will try my best for her.. huhuhu rclxms.gif rclxms.gif rclxms.gif
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thelonely
post Dec 1 2015, 04:44 PM


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cannot use to buy pc anymore correct?
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Acap1986
post Dec 1 2015, 04:48 PM


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QUOTE(thelonely @ Dec 1 2015, 04:44 PM)
cannot use to buy pc anymore correct?
*
ya dlu ramai tipu lelz... biggrin.gif biggrin.gif biggrin.gif
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kalandra
post Dec 1 2015, 05:00 PM


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QUOTE(hardcoreangel @ Nov 27 2015, 03:50 PM)
Jilaka ape thread 2012 pastu ckp aku drunk. taon 2012 yela aku drunk. it's fcking 3 years edi lah. btw, kalau apply house loan,duit straight msuk akaun,boleh enjoy?
*
Your thread can be legendary status lol

Every year you go bump 1 time. laugh.gif
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