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

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To findout how much of your EPF can be withdrawn, login to i-Akaun to find out.

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