My gf and I bought a house with bank loan and S&P under both of our names. This is my 1st property, while it's 2nd property for my gf.

We would like to withdraw money from account 2. Can both of us withdraw the money provided my gf didnt withdraw any epf account 2 money during 1st property purchase? Both properties has her name in the S&P and bank loan.

Also, the EPF will directly bank in to my own personal account or bank loan account?