Whichever is lower..

If the whole amount in your 2nd account lower than 20% of your Purchase Price, so you get all.. remember u get 20% if your MOF is 90%, but if your MOF 100% you entitle to 10% only..

"Amaun Yang Layak Dikeluarkan (Megikut MANA YANG LEBIH RENDAH tidak kurang RM500.00)"

That line written above the table in the EPF Brochure here

http://www.kwsp.gov.my/portal/documents/10...BM_07022017.pdf

Supposedly they no need to mention can withdraw all from account 2, me also need to read few times to understand.. Usually amount in account 2 lower than withdrawal eligibility amount, maybe that is why they say like that..

Withdrawal eligibility amount is still depends on your Purchase Price, 20% if MOF 90% and 10% if MOF 100%..

Well if u purchase 2nd house u need to dispose/sell your first house before u eligible for another EPF withdrawal.. and the withdrawal amount calculation still the same..