EPF withdrawal for housing loan

Conditions for Withdrawal to Buy a House

The basic requirements for you to be eligible to apply for Withdrawal to Buy a House are that:

  • You are a :
  • o Malaysian citizen or a Permanent Resident;
  • o Malaysian citizen who has withdrawn your savings under Leaving The Country Withdrawal before 1 August 1995 but subsequently returned and re-contribute to EPF ; or
  • o Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998
  • You have not reached 55 years of age on the date the application is received by EPF
  • You still have savings in Account II

Withdrawal to Purchase a House


  • This withdrawal allows you to utilize your savings from Account 2 to partially finance your purchase of a house individually OR jointly with your spouse or close family members namely parents or siblings.
  • Buying of a house with another individual who has no kinship is allowed provided that the other individual is a buyer and borrower.
  • This withdrawal allows you to buy a house from a developer or an individual or through a public auction.
  • EPF Withdrawal to purchase a second house is allowed after the first house purchased utilizing EPF has been sold or disposal of ownership of property has taken place. Disposal of ownership refers to ‘loss of ownership of the first house owned by you either due to auction, surrender of property by court order, transfer of ownership because of love and affection, destruction of house due to natural disaster, abandoned housing project or cancellation of purchase’.


(i) A Malaysian Citizen; OR

(ii) A Malaysian Citizen who has made  Leaving The Country Withdrawal before 1 August 1995 and has opted to re-contribute to the EPF; OR (iii) A Non-Malaysian Citizen who:o Has became an EPF before 1 August 1998, ORo Has obtained a Permanent Resident (PR) status.

  • You have not reached the age 55 at the time the EPF receives your application; AND• You have a minimum savings balance of RM500.00 in your Account 2.

Amount Eligible to Withdraw
Housing-related withdrawals are available for members for who are Malaysian citizens or holder of Permanent residence status. Expatriate members, who became a member of the EPF before 1 August 1998, are also eligible.Also eligible are Malaysian citizens who have withdrawn their savings under the Leaving the Country Withdrawal scheme before 1 August 1995, but subsequently elected to re-contribute to EPF.In addition, you must have remaining balance in Account II to be eligible to apply. Another pre-condition is that you have not reach 55 years of age at the time your application is received.Specifically for withdrawals to reduce housing loans, you must have at least RM500 balance in your Account II.


Source: Kumpanlan Wang Simpanan Malaysia

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