Dear all, just wonder if anyone has the experience in withdrawing EPF for downpayment to purchase a sub-sale property? I plan to buy a property, say RM500,000. Upon signing the offer to purchase (with agent), I need to pay 2% earnest deposit. Then I need to get a loans, say 90% of selling price, and sign S&P subsequently.

For the remaining 8% downpayment, do I need to pay upon signing S&P, or can I wait till the lawyer complete all necessary works such as transfer of title etc (which I heard normally will take 2-3 months)? Thanks in advance.