A few years ago I withdrew my EPF to buy a condo.
The condo is still owned by me.

Can I now withdraw EPF to reduce my housing loan for another house?
This is an existing house owned by me and my wife.

Pengeluaran untuk mengurang atau menyelesaikan baki pinjaman untuk rumah kedua dibenarkan setelah rumah pertama dijual atau berlaku
pelupusan pemilikan. Pelupusan pemilikan bermaksud ‘hilang pemilikan ke atas rumah pertama yang dimiliki melalui pengeluaran KWSP sebelum
ini’ atas sebab rumah tersebut dilelong, penyerahan harta melalui perintah mahkamah, pindah milik atas dasar kasih sayang, rumah musnah akibat
bencana alam atau kebakaran, projek rumah terbengkalai atau pembatalan pembelian rumah.


in short, you have to let go of 1st house.

http://www.kwsp.gov.my/portal/documents/10...13_Jun_2014.pdf

Don't see why not. Anyway, replies here maybe based on /k experience which might not be 100% similar. Why nor just call then and get confirmed answer?

You mean must sell off first house?

nope..not possible..but i think there's a loop hole..

u can withdraw with reason to settle 1st house installment..but take the money to purchase 2nd house..

though do note they did say, wang berlebihan yang tidak diguna untuk bayar installment for 1st house..need to be return back.

so jst withdraw every few mths and acccumulate

Is that so? Then why they allow to withdraw for purchase of 2nd house?

Wait a minute ... The first house the EPF was not drawn under your name but your wife only?

do you have an English version of the document?

Both house and condo also joint name.
Bank loans also joint name.

Loan joined name is okay but when purchase first house, both of you withdraw from EPF?

Which lubang u come from armata? Bayar installment is bayar to bank directly by LHDN. Not owner. So what is da point? Lulz.

Not possible la..

What about withdraw for the first time to buy a second home after the first home is paid off?

LHDN???
lolzzzzzzzzzzzzzzzzzzzzzzzzzz
are you in the right tered?

u can withdraw out instead of having EPF to xfer to bank...at least that s what i have read..

but i didnt perform such transaction before...

so u confirm can only have EPF to xfer to bank on behalf of u?

This post has been edited by Armata: Feb 17 2016, 03:41 PM

Lulz epf soli soli ayam mistake.

but one thing..i asked kwsp staff b4 when i go submit form for principle knockoff for my first home....
thy said can take out to pay installment for 2nd house..
this really confusing...

Kenot la.

Must sell first house only then can withdraw

To withdraw 10% is one thing,

Withdraw epf for installment is another thing.
You have to wait 2 years from s&p signed before can withdraw for installment

You cannot own 2 house at the sametime. This is what the epf mean.

I ask before this.

That's why I asked TS who withdraw the EPF for first house since he said he has joined names for both house

Go EPF website and you will get your answer.

In short, you can only withdraw second time for a downpayment for a home only to the balance in your Account 2 or 10% of the total cost of the home AND provided you show proof that you have sold the first home purchased using EPF home withdrawal number 1.

so do you mean that i can apply for installment for my 2nd house?
but y nid to wait 2 years? how about subsales house? you need to pay installment once bank release the loan amount...

Can take out.

In cash form

You pay ker. You use to cheong ker. You decide.

First house I withdrew my EPF

Second house my wife withdrew her EPF

Now I want to withdraw my EPF to reduce the loan for the second house.

I assume you are referring to the withdrawal under Account 2 for monthly installment payments.


The term "2nd house" refers to the second house you purchase. You cannot concurrently own 2 houses and withdraw from EPF to fund the 2nd house purchase.

Best not to have joint names. If you jointly buy your 3rd property, the maximum loan to value is only 70%. Under sole ownership, both you and your wife can each obtain LTV of 90% for 2 properties each.

EPF, not LHDN. And Armata means the withdrawal for monthly installment under account 2 which goes into your own personal bank account.

2 kinds of withdraw.


Put into your bank account for you to use.

Put into your bankloan account to pay.



Whixh one do you want?

Now ts can kolos thread.

I've never heard anything like this but I think cannot. Only for your 1st house I believe.

not allowed. Seriously, why don't you just call EPF and ask? Their help line is pretty efficient.

yup..under account 2....acct 1 there's no way u can withdraw out unless it's shit llike Retirement scheme etc...even then it will go back to y our acct 1 when u decided to pullout from the retirement scheme/plan..

what if first house already settled the loan?

Read TS reply on EPF withdrawal. First house he drew EPF. Second house his wife drew EPF. Both house has joined name

and jst saw this..yup..correct...

withdraw from acc 2 with reason to pay for 1st house installment...but instead u keep somewhere like under bed or milo tin..while u continue use ur income to pay for 1st house installment..

after x months of withdraw from acc 2, u lump sum taruh as d/p for 2nd house....

but of course if LHDN find something fishy..gonna go dig out where ur X money comes from for ur 2nd house d/payment...

Still tabuley if you have used account 2 to fund the 1st house purchase. Have to dispose dulu.

Then another house.


Always 1 house only.

Assuming you want to withdraw for your first house but the loan has been fully settled what you can do is refinance it and then withdraw from EPF.

Just tell LHDN you have ubah gaya hidup seperti yang disarankan oleh Yg Bhg PM and saved the money in a milo tin under your bed to be able to afford the 2nd hse downpayment. Huhu.

haha...TS can try..but i dont dare yo...

some more jst received a LHDN statement asking me to pay for some tax for 2010 filing....
amount not much but dang! really they can dig dig dig if they felt they have under kira...

As per EPF website- yes, you must dispose 1st house ( sell, transfer to son/father etc) before can withdraw for second house.

This there is a new provision, not updated in the website:- the best way is to go EPF and ask yourself, if you don't believe me.

New provision allow us to withdraw via monthly installment- and this is allowed for 2nd or 3rd house.

A:- you need a bank statement declaring the that you have a loan with the bank, the remaining balance and monthly installment (say Rm 2500).
B:- you need to have some balance in your account 2 (duh!)

Say: under your account 2, you have RM 50,000. Technically you may request EPF to give you 24 months of RM 2000. Or 20 month of RM 2500 or just 10 months of RM 1000. Your choice, but amount must not more than RM 2500 per month, and duration must be more than 6 months.

the thing is- once approve, EPF will give debit the said amount into an savings account which you nominate... you may then transfer the money to the loan account, or use for other purpose.

I've just made the application, and it was approved and money into my account within a week.

Document needed-
1) bank statement stated the above. (EPF has its required format, but all the banks should be aware of this.
2) Original copy of S&P and a photo copy.
3) IC
there is no form to be filled.


and in my case, it is joint name, joint loan.

The worse you can kena is a tax audit. They ask you to provide the receipts for the last 3 tax years and check if you have declared properly. That time really shitbrix liow.

wow this is great info.

I'll try this thanks

okok..that one i think really shitbrix case d..
so mine minor only..
cukur cukurrr..

Isnt this the monthly withdrawal scheme to pay for your housing loan thingie? The bank statement must be the EPF template, where you have to pay a certain amount to the bank to print for you. Also, there is no 3rd house. You can do this for your 1st or 2nd withdrawal.

Yes, it is monthly withdrawal scheme.
And yes- it is EPF Templete, the bank knows. Some bank even allow you to make the request via on-line banking.
We need to pay a small fee around Rm 20 for bank to process this.

If they tell you that you cannot withdraw for second house without first disposing first house then ask yourself this - how the heck your wife withdrew for the second house since everything is joint?

Here's the English version anyway -
http://www.kwsp.gov.my/portal/documents/10..._D8_Jun2014.pdf

How to proof the 1st house has been sold 10 years ago?

SAP