Buy House Withdrawal - KWSP Malaysia

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Buy House Withdrawal

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Member
Home Ownership
Buy House Withdrawal

Buy House Withdrawal

Own Your Dream Home Today

High property prices have made homeownership a challenge for many. To enable our members to plan for a comfortable retirement, we allow you to withdraw savings from Akaun Sejahtera to finance the purchase of your house.

Who Can Apply

Developer Unit
Subsale Unit
Auction Unit

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

Minimum balance of RM500 in Akaun Sejahtera

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

Have never made housing withdrawal/ have made housing withdrawal previously but have sold or disposed the property

*Residential House - bungalow/terrace/semi-detached/apartment/condominium/studio apartment/service apartment /townhouse/Small Office Home Office (SOHO) or a shop lot with a residential unit from a developer in Malaysia.
**Certified financial institutions under the Financial Services Act 2013 or Islamic Financing 2013; Central/State Government or any other government financing institutions; member's employer; Licensed Corporation/Cooperative bodies (approved by SKM); Insurance Companies licensed by Bank Negara; or other EPF recognised loan providers.
EPF members who purchase residential house type Small Office Home Office (SOHO) are required to apply manually at the EPF counter.

Requirements

Malaysians & Non-Malaysians

Below 55 years of age

Minimum balance of RM500 in Akaun Sejahtera

Purchasing residential house*

Approved loan from recognised lenders** OR self-financed

Never made a housing withdrawal/ have made housing withdrawal before but have sold/ disposed of the property

Requirements

Malaysians & non-Malaysians

Below 55 years of age upon application

Minimum balance of RM500 in Akaun Sejahtera

Bought/built a residential house*

Approved loan from recognised lenders** OR self-financed

Never made a housing withdrawal/ have made housing withdrawal before but have sold/ disposed of the property

What You Can Withdraw

	Individual Withdrawal	Joint Withdrawal
Housing Loan	Difference between purchase cost and approved loan amount + 10% of the purchase cost OR entire savings in Akaun Sejahtera (whichever is lower)	Difference between purchase cost and approved loan amount + 10% of the purchase cost OR applicant's entire savings in Akaun Sejahtera (whichever is lower)
Self-Financing	The purchase cost + additional 10% OR entire savings in Akaun Sejahtera (whichever is lower)	The purchase cost + additional 10% OR applicant's entire Akaun Sejahtera savings (whichever is lower)

What You Need

Documents

Form KWSP 9C (AHL) and Checklist
Copy of identification documents with original for verification (Non-MyKad holders only)
Passbook or copy of your bank account statement (for verification purposes)
Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification
Sales Agreement OR Proclaimation Of Sales (POS) by Land Office / Court - not more than 3 years from the date of application

Additional Documents For First or Second House

House loans or financing features may vary for your 1st and 2nd house.
So, it's crucial to get all your documents right to pave your way to smoother applications.

1st House

Buy House Withdrawal (Additional Documents) 1st House Accordion

Loan

Proof of Purchase
Sales and Purchase Agreement
OR
Proclamation of Sale from Administrator/ Court

(Not more than 3 years from date of application)

Proof of Financing
Housing Loan Approval Letter
OR
Housing Loan Approval Letter*
AND
Housing Loan Agreement Letter/ Form 16A/ Title Deed under member's name that has been submitted as collateral to the financial institution
*if loan approval has exceeded one year

Proof of Relationship
Marriage Certificate
OR
Birth Certificate

Compulsory for joint withdrawal with spouse/ parents/ parents-in-law/ adopted parents/ step parents/ child/ step child/ adopted child/ siblings

Self-Financing

Proof of Purchase
Sales and Purchase Agreement
OR
Proclamation of Sale from Administrator/ Court

(Not more than 3 years from date of application)

Proof of Transaction
A confirmation letter from a lawyer’s office who manages the sales and purchase transaction. The letter must contain details of the property and that the purchase was made by cash.

Proof of Payment
Receipt of payment of no less than 20% of the property price.

(Receipt of payment from Bank Auction or Bank Auction's Lawyer)

Proof of Title Transfer
Title Deed in member's name
OR
Form KTN 16F (Proclamation of Sale from Court)
OR
Form KTN 16I (Proclamation of Sale from Administrator)
OR
Form KTN 14A transfer of ownership form that has been completed by the Land Office
OR
Deed Of Assignment
AND
Letter of confirmation from buyer/ seller’s lawyer stating that the Notice of Assignment has been submitted to the developer according to the Section 22D (2) Housing Developer Act (Control And Licensing) Amendment 2007

Proof of Relationship
Marriage Certificate
OR
Birth Certificate

Compulsory for joint withdrawal with spouse/ parents/ parents-in-law/ adopted parents/ step parents/ child/ step child/ adopted child/ siblings

2nd House

Buy House Withdrawal (Additional Documents) 2nd House Accordion

Loan

Proof of Purchase
Sales and Purchase Agreement
OR
Proclamation of Sale from Administrator/Court

(Not more than 3 years from date of application)

Proof of Financing
Housing Loan Approval Letter
OR
Housing Loan Approval Letter*
AND
Housing Loan Agreement Letter/ Form 16A/ Title Deed under member's name that has been submitted as collateral to the financial institution
*if loan approval has exceeded one year

Proof of Relationship
Marriage Certificate
OR
Birth Certificate

Compulsory for joint withdrawal with spouse/ parents/ parents-in-law/ adopted parents/ step parents/ child/ step child/ adopted child/ siblings
Proof of Sale/ Disposal of first house
Verified by any one of these documents.
1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office OR
  Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
2. Deed of Assignment AND Letter of Confirmation from buyer/ seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007) OR
3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price; OR
4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner OR
5. Real Property Gain Tax Form 5/ 5A AND Sale and Purchase Agreement between you and the new owner) OR
6. Proclamation of Sale from Administrator (Form KTN 16I)/ Proclamation of Sale from Court (Form KTN 16F) OR
7. Confirmation by auction bank on property auction OR
8. Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases) OR
9. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner; OR
10. Confirmation letter from the authorities (Housing and Local Government Ministry/ Municipal Councils/ District Offices/ Penghulu) for houses damaged by natural disasters; OR
11. Confirmation letter from the Housing and Local Government Ministry/ State Government for abandoned housing projects/ troubled housing projects/ ailing housing projects OR
12. Deed of Revocation or Deed of Rescission for the first house OR Confirmation of Cancellation Letter from the developer/ lawyer OR
13. Assessment Bills issued by the Municipal Council/ local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner; OR
14. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department/ Royal Malaysia Police/ Local authorities/ Municipal Council/ Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).

Self-Financing

Proof of Purchase
Sales and Purchase Agreement
OR
Proclamation of Sale from Administrator/Court

(Not more than 3 years from date of application)

Proof of Transaction
A confirmation letter from a lawyer's office who manages the sales and purchase transaction. The letter must contain details of the property and that the purchase was made by cash.

Proof of Payment
Receipt of payment of no less than 20% of the property price.

Proof of Title Transfer
Title Deed in member's name
OR
Form KTN 16F (Proclamation of Sale from Court)
OR
Form KTN 16I (Proclamation of Sale from Administrator)
OR
Form KTN 14A transfer of ownership form that has been completed by the Land Office
OR
At least a signed Transfer of Ownership Form KTN 14A together with the receipt of submission by the Land Office
OR
Deed of Assignment between the seller and member that has been completed and has a Stamp Duty (or have produced a Stamp Certificate) that is 1% of the purchase price
OR
Deed Of Assignment
AND
Letter of confirmation from buyer/seller’s lawyer stating that the Notice of Assignment has been submitted to the developer according to the Section 22D (2) Housing Developer Act (Control And Licensing) Amendment 2007

Proof of Relationship
Marriage Certificate
OR
Birth Certificate

Compulsory for joint withdrawal with spouse/ parents/ parents-in-law/ adopted parents/ step parents/ child/ step child/ adopted child/ siblings
Proof of Sale/ Disposal of first house
Verified by any one of these documents.
1. Ownership of Transfer Form KTN 14A in the name of the new owner completed by the Land Office or at least a completed and signed Ownership of Transfer Form KTN 14A with the submission receipt by the Land Office OR
  Note: Any proof of relationship must be submitted with transfer of house ownership based on love and affection (subject to immediate family members only: spouse, parents, parents-in-law, step parents, foster parents, child, stepchild, adopted child or siblings)
2. Deed of Assignment AND Letter of Confirmation from buyer/ seller's lawyer stating that the Notice of Assignment has been submitted to the developer in accordance with the Section 22D (2) Housing Developer Act (Control and Licensing) Amendment 2007 (only for buy or sell process after 12 April 2007) OR
3. Deed of Assignment between you and the new owner which has been completed and with stamp duty (or produce the stamp receipt) of 1% of the sale price; OR
4. Title Deed in the new owner's name AND Sale and Purchase Agreement between you and the new owner OR
5. Real Property Gain Tax Form 5/ 5A AND Sale and Purchase Agreement between you and the new owner) OR
6. Proclamation of Sale from Administrator (Form KTN 16I)/ Proclamation of Sale from Court (Form KTN 16F) OR
7. Confirmation by auction bank on property auction OR
8. Transfer of ownership by Court Order to any party AND divorce documents (for divorce cases) OR
9. A formal search from the Land Office indicating the name of the new owner of the said property AND Sale and Purchase agreement between you and the new owner; OR
10. Confirmation letter from the authorities (Housing and Local Government Ministry/ Municipal Councils/ District Offices/ Penghulu) for houses damaged by natural disasters; OR
11. Confirmation letter from the Housing and Local Government Ministry/State Government for abandoned housing projects/ troubled housing projects/ ailing housing projects OR
12. Deed of Revocation or Deed of Rescission for the first house OR Confirmation of Cancellation Letter from the developer/ lawyer OR
13. Assessment Bills issued by the Municipal Council / local authorities in the name of the new owner and Sale and Purchase agreement between you and the new owner; OR
14. Confirmation letter for houses damaged by fire and as a result of losing a home issued by approved authorities, such as the Fire and Rescue Department/ Royal Malaysia Police/ Local authorities/ Municipal Council/ Head of Village and other approving authorities; AND additional documents such as scene photos or other documents to support the application (if necessary).

References

Additional Information

Buy House Withdrawal Additional Info Accordion

Payment Method

Local Payments

Full payment in Ringgit Malaysia (RM) will be credited to your account
If you hold an active account with our panel bank and your identification no. matches the bank records
You will be issued a Bankers Cheque
If payment to your account is unsuccessful

Overseas Payments

Full payment in your preferred currency will be made through Foreign Demand draft
If your preferred currency is in the accepted currency list
Full payment in US Dollar (USD) will be made through Foreign Demand draft
If your preferred currency is not in the accepted currency list

Important Reminder

Certify your documents
Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
(complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

Authorised Persons
Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account.

EPF Panel Banks
Submit to EPF
Send your completed submissions at your nearest EPF office or mail it to the EPF.

Find EPF Near You

Post to EPF:

JABATAN PENGURUSAN TRANSAKSI
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor.
Need more information?
Refer to our product brochure for additional information.

Download Brochure

Frequently Asked Questions View

Frequently Asked Question

Housing Withdrawal FAQ Accordion

Why is thumbprint authentication necessary?

The purpose of thumbprint authentication is to verify the identity of the applicant for the withdrawal made online.

What happens if a member does not provide thumbprint verification?

Withdrawal application will be rejected if thumbprint verification (CIJ) is not completed at any EPF offices within fourteen (14) working days.

Does the member need to produce any document for thumbprint verification at the EPF counter?

Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification.
Supporting documents – Members will be notified in KWSP i-Akaun (inbox) if there is any additional documents required.

How can members check their application status and payment?

By using KWSP i-Akaun app or web portal
By visiting any nearby EPF offices

Where can members perform the thumbprint verification and submit the supporting documents?

Members can verify their thumbprint and submit the supporting documents at any EPF office.
Members can visit the nearest Self-Service Terminal (SST) for applications that only require thumbprint verification, without the need for supporting documents.

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