There are few conditions I understand for EPF housing withdrawal: -

PURCHASE A HOUSE
(1) Withdraw 10% of your purchase price or entire of your EPF Account 2, whichever is LOWER for your 1-st house. Application can be submitted within 3-years from the date of signing SPA.

(2) If purchaser has enough funds upon signing SPA, then can opt for withdrawal which is deemed as reimbursement to yourself. Otherwise, EPF purchaser should submit the application ASAP to settle the sum with the developer/seller. The whole process takes you less than 2-weeks if information/document is complete upon application.

(3) The purchaser can withdraw again to reduce the housing loan after 3-years from the date of last withdrawal FOR THE SAME HOUSE;

(4) The purchaser CANNOT apply for housing withdrawal for another house unless it has been sold AND after 3-years since the last withdrawal;

MONTHLY WITHDRAWAL OF HOUSING LOAN REPAYMENT
(5) Apart from (1) to (4) above, withdrawal for paying monthly housing loan repayment can be submitted as soon as the purchaser started the 1st-repayment, with certain conditions fulfilled. This can be a different house as this withdrawal fallen in another withdrawal category.