EPF Withdrawal

The EPF is a social security institution formed according to the Laws of Malaysia, Employee Provident Fund Act 1991 (Act 452) which provides retirement benefits for members through management of their savings in an efficient and reliable manner. The EPF also provides a framework for employers to meet their statutory and moral obligations to their employees.

There are different types of withdrawals to encounter purchaser to purchase a property such as:

Withdrawal to Reduce/Redeem Housing Loan – http://www.kwsp.gov.my/portal/en/web/kwsp/member/withdrawal-to-reduce-redeem-housing-loan

Withdrawal to Purchase/Build a House – http://www.kwsp.gov.my/portal/en/web/kwsp/member/withdrawal-to-purchase-a-house

Housing Loan Monthly Instalment Withdrawal –


Flexible Housing Withdrawal – http://www.kwsp.gov.my/portal/en/web/kwsp/member/flexible-housing-withdrawal

These withdrawals will allow you to utilize your savings from EPF to partially finance a house individually or jointly parents or siblings. However EPF Withdrawal to purchase a second house is allowed after the first house purchased utilizing EPF has been sold or disposal of ownership has taken place. Disposal of ownership defined as ‘loss of ownership of the first house owned through previous EPF withdrawal 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’.

You can look for more detail information from this links www.kwsp.gov.my to confirm your eligibility to withdraw your savings from EPF.