Sure bo bro, if not mistaken, i think that column is means for those with residential land and intend to self build the bungalow plus renovation.

ill give a try , thanks bro

EPF does not allow Employee to withdraw for Renovation. I did check and they do not have this facilities available. If you have an empty land, you are allow to withdraw to "Build a house for residential purpose". But there are some TnC to comply with.

EPF does not allow to use Renovation as the reason to withdraw, using the online system will tell you the reason once you choose Renovation

for first time withdrawal, it will credit to your bank account... so it is really up to you on what you do with the money...

i just withdrawn last month... i paid the 10% 2 years ago and now use this withdrawal for my wedding instead...

ic.. thanks guys

There are 3 options on housing epf withdrawal:
1. Buy or Build House (you can only withdraw 2 times in your whole lifetime)
2. Reducing Loan
3. Reducing Monthly Installment

I heard a trick from my friend, by using method 2, the money will directly send to your loan account. If you have flexi account, you may draw it out using ATM. But this will also have 2 times limit if not mistaken.

bro
method 2 how does it works ? EPF make 1 time payment or monthly payment to your account ???

1 time payment. If you want monthly payment, please use method 3, and choose how many months you wish to have, but must your own withdrawal limit.

bro , method 2 can withdraw for my 2nd house ? i already withdraw EPF acc 2 for my 1st house for 10% downpayment

Withdraw for 10% down payment is option 1. You can use method 2 for 2nd house, provided that your 1st house is not under your name anymore. This is KWSP rule, only applicable for one house at a time.

Cannot bro, until your 1st house was sold or change ownership without your name in the S&P ( such as MOT transfer to wife, parents, so )

too bad

just perform method 2 on your first house

NOT qualified liao

i withdraw for my 1st house few years ago
now the house still under my name


haizzz

can epf use to offset the downpayment? let say downpayment 10%, then i got cash rm30k, but house is 500k, so 20k i got at acc2 can use for it?

yes u can, only for your 1st property . good luck

For your 1st house, method 1, 2, 3 all can use one. Now epf has your 1st house record, you can proceed to method 2 immediately.

It is not limited to 1 house 1 method only, all methods can use 1 time for a house.

huh ?
then i can apply 1 time payment for my 2nd house ?

fyi , i already withdraw from epf for my 1st house few years ago, now the still my name

This can be done for second house after the disposal of first house. Disposal from EPF context not only sell off, it can be transfer of name because of love and affection, due to natural disaster, or even an abandoned housing project.

http://www.kwsp.gov.my/portal/documents/10..._D8_Jun2014.pdf

"Disposal of ownership means loss of ownership of the first house owned through previous EPF withdrawal due to auction, surrender
of property by court order, transfer of ownership because of love and affection, destruction of house due to natural disaster, abandoned housing
project or cancellation of purchase."