Either one or both subject to fund availability in account 2.

hi sifus, i saw that we are allow to withdraw EPF account 2 to buy house (with the SPA not more than 3 years)
https://www.kwsp.gov.my/en/member/withdrawa...#newdevelopment. So got few q here. Appreciate some1 done before can share their exp.

1) The money can we request to transfer to our saving account instead of loan account? Cuz i rem in the LO, there is term saying the money from EPF is not able to withdraw out from the loan account.

2) Will the EPF officer ask you Q like "why need to withdraw EPF after SPA signed around 2 years?" etc? lol
Planning to use the money for reno but I read before EPF is not allow to withdraw for reno. Hence looking for "reason" to ans the officer if this q being asked

Thanks in advance