Hi. I can share with you on the practice in Sabah. Not sure if it's the same at your place. You can take it as a reference.

For EPF withdrawal, you will need to sign the SPA and get it stamped before you can submit to KWSP.
Means you need to either pay first to vendor the 10% or discuss with vendor if you can proceed with the signing and to release the money to him when you get the withdrawal from EPF.

Normally it take less than 2 weeks to get the money in your account during normal period. (not sure about now)

For EPF you can only withdraw for your 10% deposit, or monthly repayment

Hope this helps.