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#main-content.md

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+Safeguard Members' Retirement Savings - KWSP Malaysia
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+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Safeguard Members' Retirement Savings
+
+
+
+![](/documents/d/guest/kjhsabah_banner_en?download=true)
+
+
+
+
+
+Karnival Jom Heboh Sabah
+
+See You There!
+ [View Location](https://maps.app.goo.gl/DxmxfmfpvQmQzLbJ7)
+
+
+
+
+![](/documents/d/guest/xmas_landingpage_banner?download=true)
+
+
+
+
+
+Festivity
+
+Season's Greetings &  
+ Happy New Year 2025
+ [Read Article](https://www.kwsp.gov.my/en/w/article/savings-for-festives)
+
+
+
+
+![](/documents/d/guest/invest_landingpage_en?download=true)
+
+
+
+
+
+i-Invest
+
+i-Invest Is Now On  
+ KWSP i-Akaun App & Web Portal
+ [Learn More](/en/member/savings/i-invest)
+
+
+
+
+![](/documents/d/guest/nomination_banner_wip?download=true)
+
+
+
+
+
+Nomination
+
+Make A Nomination For Your Loved Ones' Financial Wellbeing
+ [Learn More](/en/member/account-centre/nomination)
+
+
+
+
+![](/documents/d/guest/ss_banner_wip?download=true)
+
+
+
+
+
+Simpanan Shariah
+
+Enjoy Worry-free Dividend   
+ With Simpanan Shariah
+ [Learn More](/en/member/account-centre/simpanan-shariah)
+
+
+
+
+![](/documents/d/guest/fls_banner?download=true)
+
+
+
+
+
+Financial Literacy & Financial Wellbeing
+
+Be Part Of  
+ Our Mission
+ [Take Survey Now](https://forms.office.com/pages/responsepage.aspx?id=ouE1M1ggr0uwOwMavw_IIXE8FnfSp1ZFkW0CFIjqUXtUOE9XOUVQS0tJUVkyWFk5Q0ZBN09BTzFGUC4u)
+
+
+
+
+![](/documents/d/guest/accrestructuring_lp-banner?download=true)
+
+
+
+
+
+Announcement
+
+EPF Account Restructuring   
+ Initiative
+ [Learn More](/en/account-restructuring)
+
+
+
+
+
+
+
+
+
+
+
+## Asset Publisher
+
+
+
+
+Latest Reads For You
+
+[![](/documents/d/guest/20241221-gda-stands-by-its-rm11-offer-for-mahb-webp)
+
+NEWS
+
+GDA: RM11 Offer for MAHB](https://www.kwsp.gov.my/en/w/gda-stands-by-its-rm11-offer-price-for-mahb-1) 
+
+
+[![](/documents/d/guest/article-18-how-to-be-smart-with-your-money-1)
+
+PERSONAL FINANCE
+
+How To Be Smart With Your Money During The Festive Season](https://www.kwsp.gov.my/en/w/article/savings-for-festives) 
+
+
+[![](https://www.kwsp.gov.my/documents/d/guest/screenshot-2024-01-03-at-4-31-09-pm-png)
+
+NEWS
+
+EPF Releases Belanjawanku 2024/2025](https://www.kwsp.gov.my/en/w/epf-releases-belanjawanku-2024/2025-and-retirement-income-adequacy-framework) 
+
+
+[![](/documents/d/guest/article40_cover)
+
+PERSONAL FINANCE
+
+How Much Are You Spending on Coffee?](https://www.kwsp.gov.my/en/w/article/coffee-and-your-spending) 
+
+
+[![](/documents/d/guest/article39_cover-2)
+
+PERSONAL FINANCE
+
+Tips On How Take Control Of Your Budget](https://www.kwsp.gov.my/en/w/article/master-your-finance) 
+
+
+[![](/documents/d/guest/news_thumbnail5)
+
+NEWS
+
+EPF Records Total Investment Income Of RM57.57 Billion For 9M 2024](https://www.kwsp.gov.my/en/w/epf-records-total-investment-income-of-rm57-57-billion-for-9m-2024) 
+
+
+[![](/documents/d/guest/news)
+
+NEWS
+
+Budget 2025 Boosts Retirement Wellbeing, Prepares Ageing Population For A Better Future](https://www.kwsp.gov.my/en/w/budget-2025-boosts-retirement-wellbeing) 
+
+
+
+![text image](/documents/d/guest/left)
+
+
+![text image](/documents/d/guest/right)
+ 
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Inspiring Brighter Financial Future
+
+
+
+
+## Search Results
+
+
+
+
+[![text image](/documents/d/guest/iconcontainer-2)
+
+
+![How to Secure Your Retirement with EPF](/documents/d/guest/smart-savings-07-08-webp)](/w/article/invest-smarter) 
+PERSONAL FINANCE
+
+Save Smarter: Secure Your Future with EPF
+
+
+
+
+[![text image](/documents/d/guest/iconcontainer-2)
+
+
+![EPF Nomination: Why is it Important?](/documents/d/guest/article-15-epf-nominations)](/w/article/epf-nomination) 
+ACCOUNT
+
+EPF Nomination: Why is it Important?
+
+
+
+
+[![text image](/documents/d/guest/iconcontainer-2)
+
+
+![Why Is Education Important in Your Career Advancement?](/documents/d/guest/article-10-career-advancement-1)](/w/article/career-advancement) 
+EDUCATION
+
+The Impact of Education on Career Advancement
+
+
+
+
+[![text image](/documents/d/guest/iconcontainer-2)
+
+
+![6 Types of EPF Housing Withdrawals](/documents/d/guest/article-8-epf-housing-withdrawal)](/w/article/epf-housing-withdrawal) 
+HOUSING
+
+Now Everyone Can Own a Home with EPF
+
+
+
+
+[![text image](/documents/d/guest/iconcontainer-2)
+
+
+![What Is An Emergency Fund and Why Do You Need It?](/documents/d/guest/article-11-emergency-savings-1)](/w/article/emergency-fund) 
+PERSONAL FINANCE
+
+Emergency Fund: Why You Need One
+
+
+
+
+[![text image](/documents/d/guest/iconcontainer-2)
+
+
+![5 Tips for A Healthy Lifestyle in Malaysia](/documents/d/guest/article-2-healthy-lifestyle-1)](/w/article/healthy-lifestyle-tips) 
+LIFESTYLE
+
+Being Healthy: What It Means To You
+
+
+
+
+
+
+ [Discover](/finlithub) 
+
+
+
+
+
+
+
+
+
+
+
+KWSP i-Akaun App
+
+Take control of your financial future with KWSP i-Akaun app
+
+[![](/documents/d/guest/eng)
+
+
+![](/documents/d/guest/mobileen)
+
+
+![](/documents/d/guest/bm)
+
+
+![](/documents/d/guest/mobilems)](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) 
+ 
+
+
+![](/documents/20119/43996/animation.png)
+
+
+![](/documents/20119/43996/animation-mobile.png)
+
+
+
+
+
+
+
+[![](/documents/d/guest/akaun-fleksibel?download=true)](/en/member/life-stages/akaun-fleksibel-withdrawal)
+
+Akaun Fleksibel
+
+
+[![](/documents/20119/44050/Savings.png/df0d00f9-fa90-a70a-1520-f3c14d5d2e67?t=1701084664706&download=true)](/en/member/savings)
+
+Savings
+
+
+[![](/documents/d/guest/call?download=true)](/en/corporate/connect-with-us)
+
+Connect With Us
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

account-restructuring.md

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+
+
+Akaun Fleksibel (Akaun 3): Account Restructuring - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Akaun Fleksibel (Akaun 3): Account Restructuring
+
+
+![](/documents/d/guest/accrestructuring_pdp-banner?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. EPF Account Restructuring
+
+
+
+
+
+
+
+#### EPF Account Restructuring
+
+Meet Today's Goals, Shape Tomorrow's Dreams
+
+
+
+
+
+
+
+
+## EPF Account Restructuring Initiative
+
+
+
+
+
+
+
+The EPF Account Restructuring is aimed at enhancing members’ retirement income security while addressing their current life cycle needs. Under this initiative, members’ accounts will be restructured from two (2) accounts to three (3) accounts.  
+   
+ Refer to our Press Release to find out more about this initiative:
+
+
+
+
+
+
+[Read Here](/web/guest/-/epf-account-restructuring-)
+
+
+
+
+
+
+
+
+
+# Introducing Your New Account Structure & Its Distribution Rate
+
+
+
+
+## Introducing Your New Account Structure & Its Distribution Rate
+
+
+
+
+
+
+
+All EPF members under the age of 55 will have their accounts restructured into three (3) accounts namely Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel:  
+
+1. **Akaun Persaraan**, originally Account 1, aims to accumulate and increase the members’ saving level for the long term in order to achieve comfortable life after retirement.
+2. **Akaun Sejahtera**, originally Account 2, aims to meet the pre-retirement life cycle needs for the medium term which contributes to retirement wellbeing. Savings in Akaun Sejahtera can be withdrawn for pre-retirement purposes (subject to EPF terms and conditions) such as:
+   
+   i.   Housing  
+    ii.  Education  
+    iii. Health  
+    iv. Insurance/Takaful protection  
+    v.  Hajj  
+    vi. Age 50 Years Old
+3. **Akaun Fleksibel** is designed to meet members’ short-term financial needs. Savings in Akaun Fleksibel can be withdrawn by members any time, subject to terms and conditions. However, members are encouraged to withdraw only for emergency purposes and immediate needs only.
+
+
+
+
+
+
+
+
+
+
+## Introducing Your New Account Structure & Its Distribution Rate
+
+
+
+
+
+
+![account 3 distribution rate](/documents/d/guest/struktur-akaun_eng-svg-1?download=true)
+
+
+
+
+
+
+
+
+All EPF members under the age of 55 will have their accounts restructured into three (3) accounts namely Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel:  
+
+1. **Akaun Persaraan**, originally Account 1, aims to accumulate and increase the members’ saving level for the long term in order to achieve comfortable life after retirement.
+2. **Akaun Sejahtera**, originally Account 2, aims to meet the pre-retirement life cycle needs for the medium term which contributes to retirement wellbeing. Savings in Akaun Sejahtera can be withdrawn for pre-retirement purposes (subject to EPF terms and conditions) such as:
+   
+   i.   Housing  
+    ii.  Education  
+    iii. Health  
+    iv. Insurance/Takaful protection  
+    v.  Hajj  
+    vi. Age 50 Years Old
+3. **Akaun Fleksibel** is designed to meet members’ short-term financial needs. Savings in Akaun Fleksibel can be withdrawn by members any time, subject to terms and conditions. However, members are encouraged to withdraw only for emergency purposes and immediate needs only.
+
+
+
+
+
+
+
+
+
+## New Account Structure Effective On 11 May 2024
+
+
+
+
+
+
+![epf account new structure](/documents/d/guest/struktur-akaun-mulai-11mei_eng-svg-1?download=true)
+
+
+
+
+
+
+
+
+* Savings balances in Account 1 and Account 2 will remain in Akaun Persaraan and Akaun Sejahtera respectively, while Akaun Fleksibel which is the new account, will start with RM0.
+* Savings in the Akaun Fleksibel will increase when new contributions are credited or through the initial amount transfer option.
+
+
+
+
+
+
+
+
+
+## Option For Initial Amount Transfer
+
+
+
+
+
+
+#### Starting **1 September 2024**, the option for initial amount transfer will no longer be available.
+
+
+
+
+
+
+![](/documents/d/guest/pindaan-amaun-tamat_eng-1?download=true)
+
+
+
+
+![](/documents/d/guest/epf_a3_scenario-opting-in-03_en?download=true)
+
+
+
+
+
+
+
+
+![](/documents/d/guest/epf_a3_scenario-opting-in-04_en?download=true)
+
+
+
+
+
+
+
+
+![](/documents/d/guest/epf_a3_scenario-opting-in-05_en?download=true)
+
+
+
+
+
+
+
+
+
+
+
+
+
+What You Need To Know About Initial Amount Transfer
+
+
+## Account Restructuring - Initial Amount Transfer Accordion
+
+
+
+
+### When can a member make the option for initial amount transfer?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can opt for the initial amount transfer starting from 12 May 2024 until 31 August 2024.
+
+This application can only be made once during the period and cannot be cancelled.
+
+
+
+### When will the initial amount transfer to Akaun Fleksibel be approved?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You can check your Akaun Fleksibel balance via [KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) after the initial amount transfer is credited within 3–5 working days.
+
+Note: The eligible initial amount transfer is subject to the total savings in Akaun Sejahtera at the time the option to transfer is made.
+
+
+
+### Can the application be cancelled after it's submitted?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. The option for initial amount transfer cannot be cancelled. You are advised to make an informed decision before applying.
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Akaun Fleksibel Withdrawal
+
+
+
+
+
+
+
+You can apply for Akaun Fleksibel Withdrawal as soon as Akaun Fleksibel has a minimum balance of RM50 either after the transfer of the initial amount from Akaun Sejahtera has been made or after the crediting of new contributions.
+
+
+
+
+
+#### Requirements:
+
+
+
+
+* Below 55 years old
+* Have savings in Akaun Fleksibel
+* Can be withdrawn any time with RM 50 minimum withdrawal limit
+
+
+
+#### Withdrawal Application Channel:
+
+
+
+
+* [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+* [i-Akaun (Member) Web Portal](https://iakaun.kwsp.gov.my/portal/member/login)
+* [EPF Offices](/corporate/connect-with-us)
+
+
+
+#### Payment Method:
+
+
+
+
+Akaun Fleksibel Withdrawal payments will be direct credited into the member's bank account. To ensure ease of receiving Akaun Fleksibel Withdrawal payments, please ensure the following conditions are met:
+
+* Bank account (savings or current account) status is active; and
+* Bank account is registered under the member's own name (not a joint/ company account).
+
+*Reminder:*  
+ Members who do not have a bank account are advised to open a bank account before applying for Akaun Fleksibel Withdrawal.
+
+
+
+[Find Out More About Akaun Fleksibel Withdrawal](/member/life-stages/akaun-fleksibel-withdrawal )
+
+
+
+
+
+
+
+
+## Frequently Asked Questions
+
+
+
+
+
+
+
+ Tab 1  
+
+* Basic Concept
+* Account Restructuring
+* New Contribution
+* Savings Transfer
+* Akaun Fleksibel Withdrawal
+* Others
+
+
+## EPF New Account Structure - Basic Concept FAQ
+
+
+
+
+### 1. What is EPF account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The EPF account restructuring aims to enhance members’ income security after retirement while addressing their life cycle needs.
+
+The account will be restructured from two (2) accounts to three (3) accounts as below:
+
+i. The existing Account 1 is renamed to "Akaun Persaraan" and Account 2 to "Akaun Sejahtera" with no change in the purpose of both accounts.  
+ ii. Introducing the third account which is "Akaun Fleksibel";  
+ iii. Savings in Akaun Fleksibel can be accessed or withdrawn by members, subject to terms and conditions.  
+ iv. After the effective date, new EPF contributions will be credited according to the ratio of 75:15:10, where 75% will go into Akaun Persaraan, 15% into Akaun Sejahtera, and 10% into Akaun Fleksibel.
+
+
+---
+
+
+
+### 2. Why did the EPF implement the account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The account restructuring seeks to:
+
+* Increase savings adequacy to increase retirement income security for members;
+* Align short, medium and long term requirements with members’ life cycle and lifespan;
+* Develop EPF Schemes that factor in the evolving employment landscape, demographic shifts, and members’ present and future needs; and
+* Address short-term financial needs that may affect members’ wellbeing during retirement.
+
+---
+
+
+
+### 3. What is Akaun Persaraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Akaun Persaraan, originally Account 1, is renamed to suit the purpose or objective of the account. This account aims to accumulate and increase the members’ saving level for the long term in order to achieve comfortable life after retirement.
+
+Savings in Akaun Persaraan cannot be withdrawn before the member reaches 55 years old. However, eligible members can invest a portion of their Akaun Persaraan savings in investments managed by the approved Fund Management Institutions (FMIs), subject to the terms and conditions.
+
+
+---
+
+
+
+### 4. What is Akaun Sejahtera?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Akaun Sejahtera, originally Account 2, is renamed to suit the purpose or objective of the account. This account aims to meet the pre-retirement life cycle needs for the medium term which contributes to retirement wellbeing.
+
+Savings in Akaun Sejahtera can be withdrawn for pre-retirement purposes (subject to EPF terms and conditions) such as:
+
+i.   Housing  
+ ii.  Education  
+ iii. Health  
+ iv. Insurance/Takaful protection  
+ v.  Hajj  
+ vi. Age 50 Years Old
+
+
+---
+
+
+
+### 5. What is Akaun Fleksibel?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+This account is designed to meet members’ short-term financial needs.
+
+Savings in Akaun Fleksibel can be withdrawn by members any time, subject to terms and conditions. However, members are encouraged to withdraw only for emergency purposes and immediate needs only.
+
+
+---
+
+
+
+### 6. When will the EPF account restructuring be implemented?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The account restructuring will be implemented on 11 May 2024.
+
+
+---
+
+
+
+### 7. Is the EPF account restructuring applicable for all EPF members?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The restructuring of EPF accounts is applicable for all EPF members, including non-Malaysians who have yet to attain the age of 55 on 11 May 2024.
+
+
+---
+
+
+
+### 8. What will happen after members attain the age of 55, after the implementation of the EPF account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+When the members attain the age of 55, the members’ savings balance in all three accounts will be transferred to Akaun 55. New contributions received after age 55 will be credited into Akaun Emas for retirement purposes at the age of 60.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## EPF New Account Structure - Account Restructuring FAQ
+
+
+
+
+### 9. What will happen to the existing savings in Account 1 and Account 2 when the account restructuring is implemented?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Savings balances in Account 1 and Account 2 will remain in Akaun Persaraan and Akaun Sejahtera respectively, while Akaun Fleksibel will start with a zero balance.
+
+
+
+
+![](/documents/d/guest/microsoftteams-image-4-1-png)
+
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## New Contributions - FAQ
+
+
+
+
+### 10. How will the new contributions be credited after the implementation date of the account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+After the implementation date, new contributions will be distributed as follows:
+
+
+
+
+![](/documents/d/guest/no-10-1-1-png)
+
+
+The distribution of contributions are as illustrated below:
+
+
+
+
+![](/documents/d/guest/no-10-en-png)
+
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Savings Transfer - FAQ
+
+
+
+
+### 11. Can a member transfer their savings from Akaun Fleksibel to Akaun Sejahtera or Akaun Persaraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can transfer their savings as follows:  
+ i. Akaun Fleksibel to Akaun Sejahtera  
+ i. Akaun Fleksibel to Akaun Persaraan  
+ iii. Akaun Sejahtera to Akaun Persaraan
+
+Savings can only be transferred in one direction and cannot be reversed back into the original account. There is no limit on the amount that can be transferred between accounts.
+
+Refer to the illustration below:
+
+
+
+
+![](/documents/d/guest/no-17-en-png)
+
+
+
+---
+
+
+
+### 12. Can members apply to transfer their savings?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+At this moment, members may submit a savings transfer application at any EPF Offices by completing the ‘[Savings Transfer To Akaun Persaraan/ Akaun Sejahtera Form (KWSP 12)](/documents/20119/44359/Form_Pindah_Akaun_2_Ke_Akaun_1.pdf/8ec5c4ab-a30c-a85e-ae1a-6564d4df40f3?preview)'.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Akaun Fleksibel Withdrawal - FAQ
+
+
+
+
+### 13. Will members’ pre-retirement withdrawal eligibility be affected by the account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, members are still eligible to make existing withdrawals subject to current terms and conditions.
+
+
+---
+
+
+
+### 14. What types of withdrawals are allowed after the implementation of EPF account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All existing types of withdrawal are still applicable, subject to the terms and conditions. Among the withdrawals allowed are:
+
+Before Age 55 Years  
+ •  Akaun Persaraan: Members Investment Scheme  
+ •  Akaun Sejahtera: Housing Withdrawal, Education Withdrawal, Health Withdrawal, Hajj Withdrawal, Age 50 years Withdrawal and Member Protection Plan Withdrawals  
+ **•  Akaun Fleksibel: Akaun Fleksibel Withdrawal (new)**  
+ •  All Accounts: Disability Withdrawal, Death Withdrawal, Leaving the Country Withdrawal and Pensionable Employee Withdrawal  
+ •  Withdrawal Exceeding RM1 Million
+
+After Age 55 Years  
+ •  Akaun 55: Age 55 years Withdrawal  
+ •  Akaun Emas: Age 60 years Withdrawal  
+ •  All Accounts: Disability Withdrawal, Death Withdrawal and Leaving the Country Withdrawal
+
+
+---
+
+
+
+### 15. When can members apply for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can apply for Akaun Fleksibel Withdrawal as soon as Akaun Fleksibel has a minimum balance of RM50 either after the transfer of the initial amount from Akaun Sejahtera has been made or after the crediting of new contributions.
+
+
+---
+
+
+
+### 16. What are the conditions for Akaun Fleksibel withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The conditions for Akaun Fleksibel withdrawal are as follows:  
+ a.  Below 55 years old;  
+ b.  Have savings in Akaun Fleksibel; and  
+ c.  Minimum withdrawal limit is RM50.
+
+
+---
+
+
+
+### 17. Can members cancel the application for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Applications for Akaun Fleksibel Withdrawal cannot be cancelled once the application has been approved. Members are advised to make an informed decision before applying.
+
+
+---
+
+
+
+### 18. How to apply for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can apply for Akaun Fleksibel Withdrawal through the following channels:  
+ i.  [KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html);  
+ ii. [i-Akaun (Member) Web Portal](https://iakaun.kwsp.gov.my/portal/member/login); or  
+ ii.  EPF Offices.
+
+
+---
+
+
+
+### 19. Do members need to submit any supporting documents when applying?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members do not need to submit any supporting documents. However, an active bank account number need to be submitted to ensure a smooth payment processing.
+
+
+---
+
+
+
+### 20. Do members need to visit EPF Office for thumbprint verification if Akaun Fleksibel withdrawal applications is submitted online?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Generally, members do not need to be physically present for identity verification at EPF Offices as it can be done online; however, it is subject to the member's previous withdrawal history and the withdrawal amount does not exceed RM30,000.
+
+For members who do not have a previous withdrawal history, or their bank account information differs from previous withdrawal records, members need to perform thumbprint verification via Self-Service Terminal (SST) at any EPF office for withdrawal applications exceeding RM10,000.
+
+
+---
+
+
+
+### 21. What is the payment method for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Akaun Fleksibel Withdrawal payments will be direct credited into the member's bank account. To ensure ease of receiving Akaun Fleksibel Withdrawal payments, please ensure the following conditions are met:
+
+* Bank account (savings or current account) status is active; and
+* Bank account is registered under the member's own name (not a joint/ company account).
+
+Reminder:   
+ Members who do not have a bank account are advised to open a bank account before applying for Akaun Fleksibel Withdrawal.
+
+
+---
+
+
+
+### 22. Can members who have applied for Age 50/55 Conditional Withdrawals under Facility Support Account 2 (FSA2) apply for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members may apply for Akaun Fleksibel Withdrawal, subject to the terms and conditions stated in No. 22.
+
+
+---
+
+
+
+### 23. When will the Akaun Fleksibel Withdrawal payment be credited into members’ bank account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Payment will be made within seven (7) working days upon application approval.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Lain-lain - FAQ
+
+
+
+
+### 24. Is there a difference in the dividend rate between the three accounts?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+At this time, the restructuring of EPF account will not change the current policy on establishing dividend rates. The same dividend rate will apply to all three accounts.
+
+
+---
+
+
+
+### 25. Does the restructuring of the EPF account have an impact on the member's Simpanan Shariah account status?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The restructuring of the EPF account will not change the account status of members who have switched to Simpanan Shariah.
+
+
+---
+
+
+
+### 26. Are Muslim members required to pay zakat on Akaun Fleksibel?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, Akaun Fleksibel meets the zakat requirement of perfect ownership, as no restrictions are imposed on members to make withdrawals.
+
+Members are required to pay zakat on acquired wealth (*al-mal al-mustafad*) at a rate of 2.5% if:
+
+1. The Initial Amount Transfer from Akaun Sejahtera to Akaun Fleksibel opted by members reaches the Nisab without having to wait for a full year (“Haul”); and/or
+2. New contributions credited to the Akaun Fleksibel within a full year Haul reaches the Nisab (after taking into account all other income during the same period of Haul).
+
+If the Initial Amount Transfer (if any) or new contributions credited to the Akaun Fleksibel within the same period of Haul do not exceed the Nisab, both must be combined to determine whether the amount has reached the Nisab for zakat (after taking into account all other income during the same period of Haul), based on zakat on acquired wealth (*al-mal al-mustafad*).
+
+However, Akaun Fleksibel (The Initial Amount Transfer and/or new contributions) used by members to cover basic needs of themselves and their dependents such as food, clothing, shelter, education and health, due to insufficient financial resources or impaired income sources, may be exempted from zakat.
+
+Every year, the balance in Akaun Fleksibel by the end of a Haul is subject to zakat on savings at a rate of 2.5% if it reaches the Nisab after considering the member’s other savings that are also subject to zakat (if any), based on zakat of savings.
+
+The EPF Board does not pay zakat on behalf of its members. The responsibility and action of paying zakat on the Flexible Account rests with the Muslim members themselves as the holders of the account. Muslim members can make zakat payments using funds withdrawn or other funds owned by the members to the zakat authority in their respective states.
+
+Muslim members are advised to consult their respective state zakat authorities on matters relating to zakat.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_akaun-pengguna_kematian.md

@@ -0,0 +1,881 @@
+
+
+Death Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Death Withdrawal
+
+![](/documents/d/guest/banner-member-manage-death-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+3. Death
+
+
+
+
+
+
+
+#### Death
+
+Helping Loved Ones In Times Of Need
+
+
+
+
+
+
+
+In the event of your untimely demise, your EPF savings are an assurance that your loved ones are well cared for financially in their time of need, and to aid them with funeral arrangements. We encourage all members to nominate your beneficiaries early on, to enable your next-of-kin to withdraw your EPF savings without complications. The member's dependent will also be considered for the Death Assistance to support them through this difficult time.
+
+
+
+
+
+* Individual
+* Institution
+
+#### 
+
+# Required Documents
+
+
+
+
+
+
+* Form [KWSP 9KM (AHL)](/documents/d/guest/form_kwsp_9km_ahl_bm) and checklist
+* Copy of identification documents with original for verification
+* Copy of applicant's birth certificate with original for verification (if required)
+* Member's death certificate or nominee's death certificate (if nominee has passed away)
+* Member's birth certificate (if member is unmarried) or marriage certificate (if member is married) or member's divorce certificate/ proof of relation to applicant (if member is divorced)
+* Bank account details (savings account statement/ current account statement/ verification letter of account holder's details from bank/ estate account of the deceased - under deceased's name)
+* Declaration of marriage letter (if member is a Non-Muslim married before 1 March 1982)
+* Power of attorney (official letter issued by the courts/ legal institutions/ Amanah Raya Berhad (ARB))
+* Recipient's declaration of responsibility ([Muslims - Appendix A](/documents/d/guest/lampiran_a_-_borang_perakuan___tanggungjawab__muslim__d3_25042017))
+* Recipient's declaration of responsibility ([Non-Muslims - Appendix B](/documents/d/guest/lampiran_b_borang_perakuan__tanggungjawab__non_muslim__d3_21042017))
+
+
+
+
+
+### With Nomination
+
+
+
+
+
+#### Who Can Apply
+
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Nominee
+
+
+
+
+
+
+
+
+
+![icon card](/documents/d/guest/above_18y?download=true)
+
+18 years old and above
+
+
+
+
+
+
+
+
+
+
+
+---
+
+
+
+
+
+
+
+
+
+
+#### What You Can Withdraw
+
+
+
+
+• Nominated portion of the Member's full EPF savings
+
+
+
+
+
+---
+
+
+
+
+
+#### What You Should Know
+
+
+
+
+#### For Muslims:
+
+* If the nominee passes away, their next-of-kin is eligible to apply for Death Withdrawal.
+
+For Non-Muslims: 
+
+* If the nominee passes away before the death of the member, **the member’s next-of-kin** is eligible to apply for Death Withdrawal. But, if the nominee passes away after the death of the member, the **nominee’s next-of-kin** is eligible to apply.
+
+
+
+
+---
+
+
+
+
+
+### Without Nomination
+
+
+
+
+#### Who Can Apply
+
+
+
+
+![icon card](/documents/20119/44038/i-Sayang.png/ce6c2d26-0818-af77-3f6d-194b4f511db7?t=1701082503677&download=true)
+
+Member is married
+
+• The member's widow/ widower, children (or their guardian), parents or Administrator
+
+
+
+
+
+
+
+![icon card](/documents/20119/44041/Active%20Members.png/40e3498f-2f83-c036-237b-02cc025cf940?t=1701082547124&download=true)
+
+Member is unmarried
+
+• The member's parents or Administrator
+
+
+
+
+
+
+
+
+
+
+| Member Is Married | Member Is Unmarried |
+| --- | --- |
+| The member's widow/widower, children (or their guardian), parents, siblings or Administrator | The member's parents, siblings or Administrator |
+
+  View 
+
+
+
+
+
+#### What You Can Withdraw
+
+
+
+
+| Members Savings/Withdrawal Period | ≤RM2,500 | > RM2,500 - RM25,000 | > RM25,000 |
+| --- | --- | --- | --- |
+| For applications made less than two (2) months after member's death | Lump sum payment | * First payment: RM2,500 * Second payment two (2) months after member's death: Full savings balance | * First payment: RM2,500 * Second payment two (2) months after member's death: RM22,500 * Balance savings to be paid based on Official Letter issued by the Courts/Legal Institutions/ARB |
+| For applications made two (2) months after member's death | Lump sum payment | Lump sum payment | * RM25,000 * Balance savings to be paid based on Official Letter issued by the Courts/Legal Institutions/ARB |
+
+  View 
+
+
+
+
+
+---
+
+
+
+
+
+*\*If member passes away without making a nomination, any individual that is appointed by the court will act accordingly to apply for the Death Withdrawal.*
+
+
+
+
+
+
+
+
+
+### Death Assistance
+
+
+
+
+The Death Assistance is a gesture of compassion by the EPF to our member’s next-of-kin (under EPF’s discretion). A one-time payment of RM2,500 will be considered and awarded to any of the deceased member’s eligible dependents  
+ (widow/ widower, child, or member's parents, subject to member's marital status).  
+   
+ Note: The EPF reserves the rights to make all final decisions pertaining to the Death Assistance.
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+A Malaysian citizen or Malaysian permanent resident; or a non-Malaysian citizen who was registered as an EPF member before 1 August 1998
+
+
+
+
+
+
+
+
+![icon card](/documents/20119/44038/i-Sayang%202Percent.png/bdd5a1bc-22ab-c607-40ed-3514b2120e81?t=1702437568950&download=true)
+
+Member’s dependent (widow/ widower/ children/ parents)
+
+Subject to member’s marital status
+
+
+
+
+
+
+
+![icon card](/documents/d/guest/calender?download=true)
+
+Application for Death Withdrawal received within six (6) months from the date of member’s death
+
+
+
+
+
+
+
+
+
+
+
+![icon card](/documents/20119/44053/Health%20Life.png/b2ada353-c8fc-8f5b-7531-6b96f6693711?t=1703039991638&download=true)
+
+Member passed away before age 60
+
+
+
+
+
+
+
+
+![icon card](/documents/20119/44050/Account.png/60c07e68-05d8-ff10-4188-ef042ca6963e?t=1701084665759&download=true)
+
+Member still has savings with the EPF
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+# Required Documents
+
+
+
+
+### Documents
+
+
+
+
+
+* [Form KWSP 9KM (AHL) (PA)](/documents/d/guest/form_kwsp_9km_ahl_pa_bm) and checklist
+* Power of Attorney (Official Letter Issued by the Courts/ Legal Institutions/ Amanah Raya Berhad)
+* Member's death certificate
+* Nominee's death certificate (if nominee has passed away)
+
+
+
+# Who Can Apply
+
+
+
+
+
+### With Nomination
+
+
+
+
+* [Form KWSP 9KM (AHL) (PA)](/documents/d/guest/form_kwsp_9km_ahl_pa_bm) and Checklist
+* Power of Attorney (Official Letter Issued by the Courts/Legal Institutions/Amanah Raya Berhad)
+* Member's death certificate
+
+
+
+![icon card](/documents/20119/44056/Institution.png/a50289e3-9a5a-6d67-298d-c74a6639cc0d?t=1701084610213&download=true)
+
+Amanah Raya Berhad
+
+
+
+
+
+
+
+**Note**: Amanah Raya Bhd (ARB) will receive 100% of the EPF member's savings either as the nominee (for Muslim/non-Muslim members) or as a Trustee (for non-Muslim members - subject to the nominee's age and distribution) based on the applicable laws.
+
+
+
+### Without Nomination
+
+
+
+
+![icon card](/documents/20119/44038/Responsibility.png/6f1630c1-9450-684a-9587-cd12abb07d47?t=1701082501300&download=true)
+
+Executor/ Executrix/ Trustee/ Deceased Member's Administrator
+
+
+
+
+
+
+
+**Note**: If member passes away without making a nomination, any institution that is appointed by the court will act accordingly to apply for the Death Withdrawal.
+
+
+
+#### 
+
+
+
+
+
+
+
+
+
+
+
+
+[Apply For Manual Withdrawal](https://www.kwsp.gov.my/documents/d/guest/form_kwsp_9km_ahl_bm)
+
+
+
+
+Additional Information
+
+## Death (Payment/Reminder) Accordion
+
+
+
+
+### Payment Methods
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **Local Payments**  
+      
+    a. **Full payment in Ringgit Malaysia (RM) will be credited to your bank account**  
+    If you hold an active account with our panel bank and your identification number matches the bank records.  
+      
+    b. **You will be issued a Bankers Cheque**  
+    If payment to your bank account is unsuccessful.
+2. **Overseas Payments**  
+      
+    a. **Full payment will be made via Foreign Demand Draft in the currency of your choice**  
+    If your preferred currency is included in our list of approved currencies.  
+      
+    b. **Full payment will be made via Foreign Demand Draft in US Dollars**  
+    If your preferred currency is not available on our approved list.
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF offices or mail it to the EPF.
+   Post to EPF:  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP  
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor
+   
+   [Find EPF Near You](/corporate/connect-with-us)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+19+-+Healthcare+Planning.png/21d85f6b-f524-b43a-7e9d-aa05d4cae18e?t=1712216682635)
+
+LIFESTYLE
+
+Managing Health Expenses: Getting to Know EPF’s Health Withdrawal Facility](https://www.kwsp.gov.my/en/w/article/epf-health-withdrawals) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+6+-+Retirement+Calculator.png/6063b0f2-373b-eed5-d0a7-0412346201dd?t=1702010645517)
+
+PERSONAL FINANCE
+
+Are Your Savings Sufficient For A Comfortable Future?](https://www.kwsp.gov.my/en/w/article/retirement-calculator) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+14+-+Work+Life+Balance.png/5b310582-cb59-a8ca-7936-e81faaee384e?t=1702010646427)
+
+CAREER
+
+The Realities of Work-Life Balance](https://www.kwsp.gov.my/en/w/article/work-life-balance) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Smart+Savings-07-08.webp/f5843659-f8f6-d7b8-f019-a1de6022a0fe?t=1710746672691)
+
+PERSONAL FINANCE
+
+Save Smarter: Secure Your Future with EPF](https://www.kwsp.gov.my/en/w/article/invest-smarter) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_akaun-pengguna_penamaan.md

@@ -0,0 +1,1220 @@
+
+
+Nomination: How Can You Nominate? - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Nomination: How Can You Nominate?
+
+![](/documents/d/guest/banner_account_penamaan-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+3. Nomination
+
+
+
+
+
+
+
+#### Nomination
+
+Keep Your Loved Ones Secure
+
+
+
+
+
+
+
+When you make a nomination, you are appointing an individual or institution to receive and oversee your EPF savings in the event of your demise. By planning ahead and nominating your beneficiary early, you can protect your loved ones from unnecessary complications and keep them financially secure even after you're gone.
+
+
+
+
+
+Who Can Nominate
+
+* Above 18 years of age
+
+
+
+
+
+* Malaysians, Permanent Residents (PR)
+
+
+
+
+* Non-Malaysians  
+   (Registered as EPF Members  
+   before 1 August 1998)
+
+
+
+
+
+
+
+
+
+
+
+
+Who Can Apply
+
+## Asset Publisher
+
+
+
+
+![](/documents/20119/43963/Nomination+Icons.png/d8dacc77-b7d4-c018-a1da-fb9b50ab6cbd?t=1698042654103)
+
+
+Death Benefit
+
+Subject to EPF terms and conditions.
+
+
+
+
+![](/documents/20119/43963/MyImpian+Icons.png/ca64974f-c890-9a74-5e5f-4e98fac2b478?t=1698042664478)
+
+
+Tax Exemption
+
+Subject to IRB terms and conditions.
+
+
+
+
+![](/documents/20119/43963/MyIdaman+Icons.png/5ae87523-e633-8cc8-9f30-ce5004183e2b?t=1698042674959)
+
+
+Annual Dividend
+
+Enjoy annual dividends on top of your retirement savings.
+
+
+
+
+![](/documents/20119/43963/Scheme+Registration+Icons.png/d4dcdbf2-e1f9-eed4-b3aa-88b1acaa1c0f?t=1698042635846)
+
+
+Special Incentive
+
+Up to 15% of total contribution or max RM300 this year.
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Importance Of Nomination
+
+
+![icon card](/documents/20119/44062/Frame%209771.png/9073ce84-5e46-5068-06bc-6a0f19856595?download=true)
+
+Shorten the withdrawal process
+
+
+
+
+![icon card](/documents/20119/44062/Cut%20Cue.png/dde8b428-08a2-a1d8-9b1d-3e4d46061a9a?download=true)
+
+Avoid the cost and hassle of obtaining third party documents from the land office/court
+
+
+
+
+![icon card](/documents/20119/44062/Account.png/fd41d9e0-39b4-6c22-dd69-753033f3c615?download=true)
+
+Ensure your rightful heir inherits your savings
+
+
+
+
+
+
+
+
+
+
+Getting Started
+
+* The nomination can be made by members via [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or by completing the [EPF Form 4](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402) and submitting it at any EPF Offices nationwide; OR
+* Through a new nomination application and updating nomination information via i-Akaun (Member), followed by a visit to the nearest EPF Office for fingerprint verification.
+
+
+
+
+
+
+
+
+# Required Documents
+
+
+
+
+
+| Document | Malaysian Citizens/ Permanent Resident (PR) | \*Non-Malaysian Citizens |
+| --- | --- | --- |
+| Nomination Form (KWSP4) | ✓ | ✓ |
+| A copy of Identification Card / MyKad / MyTentera | ✓ |  |
+| A copy of valid passport |  | ✓ |
+
+ View 
+
+
+
+
+
+*\*Non-Malaysian citizens and have become an EPF member before 1 August 1998).  
+ \*\*You may update your nomination from time to time by submitting personally a new Nomination Form (KWSP 4). The new [KWSP 4 Form](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402) will override your earlier nomination.  
+ \*\*\* You are encouraged to bring along a copy of the nominee's identification for reference.*
+
+
+
+
+
+
+
+
+
+
+# Who Can You Nominate?
+
+
+
+
+
+* Muslim Members
+* Non-Muslim Members
+
+#### 
+
+* Any individual(s)
+
+
+
+
+
+* Amanah Raya Berhad (ARB)
+
+
+
+
+
+
+
+*\* Nominee for Muslim members is a Wasi/Administrator to apportion member's EPF savings upon the member's death to the rightful  
+ beneficiary in accordance with Islamic Law.  
+ \*If a member chooses to nominate ARB as nominee, ARB will become Administrator to ALL (100%) of the member's savings.*
+
+
+
+
+#### 
+
+### Understanding The Nomination Process
+
+
+
+
+## Nomination (Understanding Scenario) Muslim Accordion
+
+
+
+
+### Scenario 1
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You appoint a nominee/trustee to distribute your EPF savings to the rightful heirs.
+
+
+
+
+![](/documents/20119/44446/muslim_scenario1-en.jpg/25b8b07b-f277-2d13-aa18-9cbeef209222)
+
+
+  
+
+
+
+
+### Scenario 2
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The member nominates two nominees who are both aged 18 and above, with the portions of 70% (Nominee A) and 30% (Nominee B) respectively. Nominee B passes away prior to the member's demise.
+
+
+
+
+![](/documents/20119/44446/muslim-scenario2-en.jpg/2175915b-f7f2-81a8-db10-738c9f6f2d71)
+
+
+  
+
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+### Nomination Status
+
+
+
+## Nomination Status Accordion
+
+
+
+
+### Before 1 January 2017
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Nominees aged 18 and above:
+
+* Death Withdrawal application can be made at any time
+* Nominee is eligible to apply
+* Payment will be disbursed to the Nominee whom act as an Administrator
+
+---
+
+Under 18 Nominees:
+
+* Nominee is eligible to apply upon reaching 18 years of age
+* Payment will be disbursed to the Nominee whom act as an Administrator
+
+
+### After 1 January 2017
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Nominees aged 18 and above:
+
+* Death Withdrawal application has to be submitted within a year from member's date of passing
+* Payment will be disbursed to Nominee whom act as an Administrator
+
+---
+
+Under 18 Nominees:
+
+* The nomination is cancelled unless the Nominee/ Nominees reached 18 within a year
+* Member's heir may submit a Death Withdrawal application according to the procedures for withdrawal without nomination
+
+---
+
+If no application is made within a year:
+
+* The nomination is cancelled
+* Member's heir may submit a Death Withdrawal application according to the procedures for withdrawal without nomination
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+* Any individual(s)
+
+
+
+
+
+* Amanah Raya Berhad (ARB)
+
+
+
+
+
+
+
+*\* If a member chooses to nominate ARB as nominee, ARB will become administrator to ALL (100%) of the member's savings.  
+ \* If a member chooses to nominate ARB as trustee, ARB will become trustee for nominee under 18 years of age.*
+
+
+
+
+#### 
+
+### Understanding The Nomination Process
+
+
+
+
+## Nomination (Understanding Scenario) Non-Muslim Accordion
+
+
+
+
+### Scenario 1
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Member nominates one or more nominees.
+
+
+
+
+![](/documents/20119/44446/non_muslim_scenario1-en.jpg/8d7fbff3-c1da-f009-1b55-6471e7bc4f8a)
+
+
+  
+
+
+
+
+### Scenario 2
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Member nominates two nominees, both aged 18 and above with the portions of 30% and 70% respectively. One of the nominees passes away prior to the member's demise.
+
+
+
+
+![](/documents/20119/44446/non_muslim-scenario2-en.jpg/60fe217a-ed32-97c0-2a7d-79ae27ea8f35)
+
+
+  
+
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Checking Your Nomination Information
+
+Check your nomination information at the nearest EPF Office. For faster and easier access to your EPF account, use i-Akaun or our mobile app.
+
+
+
+
+
+
+![icon card](/documents/20119/44062/Incap.png/083edcc7-b920-5072-0920-75f7995195db?download=true)
+
+i-Akaun (Member)
+
+
+
+
+![icon card](/documents/20119/44062/Unemployed.png/d1d11514-23e7-173d-647b-265f896a22ca?download=true)
+
+KWSP i-Akaun App 
+
+
+
+
+![icon card](/documents/20119/44062/Documents.png/6d25579b-5db5-9250-eeb1-e1072d346581?download=true)
+
+Visit your nearest EPF Office
+
+
+
+
+
+
+# If No Nominee Has Been Appointed
+
+
+
+
+
+In the event a member has not nominated anyone prior to their demise, their eligible heir(s) can submit a Death Withdrawal application to the nearest EPF Office.
+
+
+
+
+
+[More About Death Withdrawal](/member/account-centre/death)
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Common Misconceptions About EPF Nomination
+
+
+
+
+
+| Myths | Facts |
+| --- | --- |
+| Savings will be transferred to ARB if unclaimed | Any unclaimed savings will remain with the EPF and will only be transferred to the Registrar of Unclaimed Monies upon the member reaching age 100 based on their date of birth |
+| The death of one nominee invalidates the entire nomination | Only the portion assigned to the deceased nominee will be invalidated |
+| The member's heir has to stake a claim of member's date of demise within three days, otherwise the savings will be automatically transferred to ARB | A nomination for Muslim member will only be invalidated if the nominee/administrator fails to make a withdrawal application within one year from the member's date of decease |
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+Revocation Of Nomination
+
+
+## Revocation Of Nomination Accordion
+
+
+
+
+### Muslim Members
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Upon the death of the nominee(s) during the lifetime of the member
+2. By a Notice of Revocation of Nomination (KWSP 4A)
+3. The member makes a new nomination by submitting the Nomination Form (KWSP 4)
+4. Nominee has not reached 18 years old during the submission of Death Withdrawal made by the nominee/ next of kin
+5. The nominee did not apply for Death Withdrawal within one (1) year from the date of the member's death
+6. Nomination will be REVOKED if member has made Age 55 Withdrawal (Full Withdrawal) on or before 1 February 2008
+
+[Download Nomination Form](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402)
+
+
+
+### Non-Muslim Members
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Upon the death of the nominee(s) during the lifetime of the member
+2. By a Notice of Revocation of Nomination (KWSP 4A)
+3. The member makes a new nomination by submitting the Nomination Form (KWSP 4)
+4. Nomination will be REVOKED if member has made Age 55 Withdrawal (Full Withdrawal) on or before 1 February 2008
+
+[Download Nomination Form](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402)
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Member Nomination FAQ Accordion
+
+
+
+
+### What is nomination?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+A nomination is a written declaration made by a member in KWSP Form 4 to elect/ nominate an individual(s) as beneficiary or as executor (wasi)/ administrator (for Muslims) to administer his/ her EPF savings upon his/her death.
+
+
+---
+
+
+
+### Why do I need to make a nomination?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are encouraged to make nomination to facilitate and expedite the withdrawal of his/ her EPF savings by the nominated person(s) in the event of death. In the event that a member did not make any nomination for his/ her EPF savings, his/her next-of-kin may encounter difficulties when staking their claim on the deceased member's EPF savings.
+
+
+---
+
+
+
+### How can I make a nomination?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are required to submit the Nomination Form (KWSP 4) with a copy of his/her MyKad and identification documents of his/her nominee(s) (encouraged). The completed nomination application form has to be submitted by the members themselves at any EPF branches and must be received by the EPF during his/ her lifetime.
+
+
+---
+
+
+
+### When will my nomination be effective?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The nomination takes effect on the date the nomination form is received at any EPF branches.
+
+
+---
+
+
+
+### Can a next-of-kin stake their claim when the member has named others as a nominee?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, according to the EPF Act, payment will only be made to the person(s) named by the member as beneficiary(ies).
+
+
+---
+
+
+
+### What does the new Nomination Policy (effective 1 January 2017) entails?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The new policy entails:  
+
+
+1. Introduction of a new Nomination Form (KWSP 4), where members are required to submit copies of identification documents of all nominees together with the nomination form. This enables the EPF to ascertain the particulars of the nominee(s), as nomination registration henceforth will no longer require the presence of a witness.
+2. The use of "Acknowledgement of Responsibility" form when a Muslim Nominee/Recipient of a Muslim EPF member's savings applies for death withdrawal. This serves as a reminder to the wasi/administrator of his/ her role and responsibilities owed to the deceased to apportion the deceased's savings to the rightful heirs/beneficiaries in accordance with Islamic laws.
+3. Nomination is deemed void for Muslim members when:  
+    Age of the nominee is below 18 years at the time Death Withdrawal application is submitted by the nominee or the heir.
+
+  
+ Nomination is deemed void should the nominee fail to make a withdrawal application within the one-year duration from the member's date of death, and the application will be processed as without nomination.
+
+
+---
+
+
+
+### Who can be named as a nominee?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**MUSLIM MEMBERS**  
+ • Any Individual(s)  
+ > Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.
+
+  
+ OR
+
+  
+ • Approved Institution – Amanah Raya Berhad (ARB)   
+ > \*ARB as nominee/administrator
+
+\*ALL (100%) of the member's savings.
+
+**NON-MUSLIM MEMBERS**  
+ • Any Individual(s)  
+ > Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.
+
+  
+ OR
+
+  
+ • Approved Institution – Amanah Raya Berhad (ARB)   
+ > \*ARB as nominee/administrator  
+ > ARB as trustee for nominee under 18 years of age
+
+\*ALL (100%) of the member's savings.
+
+
+---
+
+
+
+### Responsibilities of nominee
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**MUSLIM MEMBERS**  
+ As a Wasi/ Administrator to apportion the deceased member's EPF savings to the righful beneficiary in accordance with the Islamic Law.
+
+**NON-MUSLIM MEMBERS**  
+ The nominee is the rightful beneficiary to the deceased member's savings.  
+ • If the nominee predeceased the member, the rightful applicants are the surviving next-of-kin of the deceased member  
+ • If the member predeceased the nominee, the rightful applicant is the nominee's next-of-kin.
+
+
+---
+
+
+
+### What are the documents required?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Malaysian Citizens/ Permananet Resident (PR)**  
+ • A copy of Identification Card/ MyKad/ MyTentera  
+ • Nomination Form (KWSP4)
+
+**Non-Malaysian Members**  
+ (Registered as EPF member before 1 August 1998)  
+ • A copy of valid passport  
+ • Nomination Form (KWSP4)
+
+
+---
+
+
+
+### How to check nomination information?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+• i-Akaun (Member)   
+ • Visit the nearest EPF Office
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+1+-+Opening+EPF+Account.png/d68b19c3-9baa-ab8f-fa5d-f578b06ad851?t=1702010644885)
+
+ACCOUNT
+
+EPF Account Opening at Your Fingertips](https://www.kwsp.gov.my/en/w/article/how-to-open-an-epf-account) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/RAWAFA-Aticle-1705-Featured-img.webp/7a4a1acc-b29b-0bcd-8d3f-7955e461dde9?t=1715911334066)
+
+ACCOUNT
+
+All About EPF’s Account Restructuring](https://www.kwsp.gov.my/en/w/article/account-restructuring-guide) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+27+-+Bigger+Income+Cover.webp/466b0861-dab1-5835-3284-674e9e8c1e5c?t=1721902906285)
+
+PERSONAL FINANCE
+
+Income And Your Savings](https://www.kwsp.gov.my/en/w/article/income-and-your-savings) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_akaun-pengguna_simpanan-shariah.md

@@ -0,0 +1,1113 @@
+
+
+Simpanan Shariah: Shariah-Compliant Savings Option - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Simpanan Shariah: Shariah-Compliant Savings Option
+
+![](/documents/d/guest/banner-member-manage-ss-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+3. Simpanan Shariah
+
+
+
+
+
+
+
+#### Simpanan Shariah
+
+Shariah‑Compliant Savings Option
+
+
+
+
+
+
+
+The Simpanan Shariah is a savings option managed and invested by the EPF in accordance with Shariah principles. To ensure that the Simpanan Shariah is managed in accordance with Shariah as required under section 43A of the Employees Provident Fund Act 1991, a Shariah governance framework is established to govern the Shariah compliance aspects of the EPF Simpanan Shariah.
+
+
+
+
+
+## Simpanan Shariah
+
+
+
+
+
+### Secure and Ethical Retirement Savings
+
+
+
+
+* Have you paid the Zakat payment for EPF savings withdrawals? Get more information on the website of the Selangor Zakat Board (LZS) at [www.zakatselangor.com.my](http://www.zakatselangor.com.my), the MAIWP Zakat Collection Center (PPZ-MAIWP) at [www.zakat.com.my](http://www.zakat.com.my) or the relevant state zakat authority.
+* Besides fulfilling EPF-related zakat, you can actively contribute to Zakat Fitrah, Zakat Property, Zakat Income, Zakat Savings, Zakat Gold, Zakat Silver, Zakat Livestock, Zakat Crops (Rice), Zakat Stocks, Zakat Business, and Qadha' Zakat. Let's proactively meet all our responsibilities.
+
+
+
+
+![](/documents/20119/44692/LZS.png/48058e0f-688a-5441-88da-b9d7b4f1a32d?download=true)
+
+
+
+
+#### Lembaga Zakat Selangor
+
+
+
+
+
+The Lembaga Zakat Selangor (LZS) is determined to provide a comprehensive and continuous quality service for the collection and distribution of zakat based on Shariah law to meet the needs and satisfaction of customers. This agency operates with the objective of empowering zakat management, maximizing zakat collection and improving the effectiveness of zakat distribution.
+
+
+
+
+
+
+
+
+![](/documents/20119/44692/PPZ.png/3bcfe667-f142-ce08-1015-7d4d55e5e197?t=1704258026218&download=true)
+
+
+
+![](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAHgAAABECAYAAABK3PEEAAAACXBIWXMAAC4jAAAuIwF4pT92AAABBUlEQVR4Xu3VAQkAIBDFUO0fRLCD2RSM8dg12Mbn5trnjo41MAvMtv1gBbb7FhjvW+AC6wZwvn5wgXEDOF4LLjBuAMdrwQXGDeB4LbjAuAEcrwUXGDeA47XgAuMGcLwWXGDcAI7XgguMG8DxWnCBcQM4XgsuMG4Ax2vBBcYN4HgtuMC4ARyvBRcYN4DjteAC4wZwvBZcYNwAjteCC4wbwPFacIFxAzheCy4wbgDHa8EFxg3geC24wLgBHK8FFxg3gOO14ALjBnC8Flxg3ACO14ILjBvA8VpwgXEDOF4LLjBuAMdrwQXGDeB4LbjAuAEcrwUXGDeA47XgAuMGcLwWXGDcAI73ADVez7kdh2y/AAAAAElFTkSuQmCC)
+
+
+
+
+#### Pusat Pungutan Zakat MAIWP
+
+
+
+
+
+An exemplary Zakat Institution and becoming one of the socio-economic core of Muslims based on quality services, robust & viable corporate management, use of the latest technology, recruitment and development of human resources as well as close ties with all parties. This agency is committed to carrying out da'wah and promotional activities towards raising the awareness of Muslims about the obligation to pay zakat, collect zakat and manage the Zakat Collection Center on behalf of the Federal Territories Islamic Religious Council.
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Why Simpanan Shariah?
+
+
+
+
+
+#### Muslim Members:
+
+
+
+
+* To provide avenue for Muslim members to have Shariah-compliant retirement savings for their use, including for performing Hajj (pilgrimage) and Umrah as well as for their family without any doubt on the source of fund.
+* To ensure members’ savings will not be used for purposes that contravene with Shariah principles, especially *riba* (interest), *maysir* (gambling) and *gharar* (uncertainty in contracts) often found in investments in conventional banking and insurance.
+* To enable members (upon death) to provide halal fund (i.e. members’ savings) to be distributed to the heirs as inheritance.
+
+
+
+
+
+#### Non-Muslim Members:
+
+
+
+
+
+A non-Muslim member may opt for Simpanan Shariah as an alternative to Simpanan Konvensional:
+
+* Same investment objective and risk profile.
+* Same strategic asset allocation.
+* Only invest in ethical investments that are compliant with Shariah principles.
+* Minimum investment exposure to financial sector as opposed to Simpanan Konvensional.
+
+
+
+
+
+
+
+
+
+
+
+
+## Features
+
+
+
+
+
+|  | Simpanan Shariah | Simpanan Konvensional |
+| --- | --- | --- |
+| Membership | All EPF members can choose to switch their savings account to Simpanan Shariah | Simpanan Konvensional is the default for all EPF members, and will maintain so if they do not opt to switch to Simpanan Shariah |
+| Akad (Shariah Contract) | Subject to Akad Simpanan Shariah based on Wakalah contract | Not applicable |
+| Dividend rate | Dividend rate is based on actual performance of shariah-compliant investments | Dividend rate is based on actual performance of the conventional investment (which comprises of both non shariah-compliant and shariah-compliant investments) and is subject to minimum dividend of 2.5% |
+| Endorsement by the Shariah Advisory Committee (SAC) | Endorsed by the EPF Shariah Advisory Committee (SAC) and subject to the Shariah Governance Framework | Not applicable |
+| Account Conversion | Members are not allowed to revert to Simpanan Konvensional after Simpanan Shariah takes effect | Not applicable |
+
+ View 
+
+
+
+
+
+
+
+
+
+
+Who Can Apply
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true)
+
+Malaysian citizens or non-citizens
+
+
+
+
+![icon card](/documents/20119/44041/Active%20Members.png/40e3498f-2f83-c036-237b-02cc025cf940?download=true)
+
+All religions
+
+
+
+
+![icon card](/documents/20119/44050/Race.png/ce86058a-e144-183b-9fad-72227dd2a65b?download=true)
+
+All races
+
+
+
+
+
+
+
+
+
+
+### What You Need & Where Can You Register
+
+
+
+
+##### Register at EPF Offices, Mobile KWSP & Self- Service Terminals (SST)
+
+
+
+
+* MyKad (Malaysian citizens)
+* Passport (Non‑Malaysian citizens)
+
+
+
+
+
+
+##### Online registration via i‑Akaun (Member)
+
+
+
+
+
+* Has access to i‑Akaun (Member) web portal or [KWSP i‑Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+* Mobile number must be registered for TAC
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+
+## Simpanan Shariah Important Note/ Akad Accordion
+
+
+
+
+### Important Notes
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Members are not allowed to re-opt for Simpanan Konvensional, after effective date of their Simpanan Shariah option.
+2. The dividend of Simpanan Shariah will be based on the actual performance of EPF’s Shariah-compliant investment and no guarantee of 2.5% minimum dividend.
+
+
+### Akad Simpanan Shariah & Revocation Notices
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* [Akad Simpanan Shariah](/documents/d/guest/akad-simpanan-shariah-bm-)
+* [e-Akad Simpanan Shariah](/documents/20119/44785/e-Akad%20Simpanan%20Shariah%20%28EN%29.pdf/e171a23a-ea0b-d1ed-06db-edb2af50ee90)
+* [Revocation Notice For Simpanan Shariah](/documents/20119/44785/Notis%20Pembatalan%20Simpanan%20Shariah%20%28EN%29.pdf/b2bc10f4-6d57-ab8b-ff93-0fd0441c236b)
+* [e-Revocation Notice For Simpanan Shariah](/documents/20119/44785/e-Notis%20Pembatalan%20Simpanan%20Shariah%20%28EN%29.pdf/c64ce011-9b12-4873-97c1-a4aee23a5d1d)
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Simpanan Shariah FAQ Accordion
+
+
+
+
+### What is the Dividend 2022 and 2023 rate for Simpanan Konvensional and Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Click here for [Historical EPF Dividend Rates](/others/resource-centre/dividend).
+
+
+---
+
+
+
+### How do I register for Simpanan Shariah online?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Members must register and have access to [i‑Akaun (Member) web portal](https://iakaun.kwsp.gov.my/portal/member/login) or [KWSP i‑Akaun app](https://mip.kwsp.gov.my/resources/link/simpananShariahRegistration?mid=shariahRegistration&channel=Facebook) prior to registering for Simpanan Shariah online.
+* Shariah Registration can also be done at [Self-Service Terminal (SST)](/corporate/connect-with-us).
+
+---
+
+
+
+### What are the facilities provided on Simpanan Shariah online?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Simpanan Shariah online registration
+* Revocation of Simpanan Shariah (once only).
+* History of registration/revocation of  Simpanan Shariah
+* e-Akad Simpanan Shariah and e-Revocation Notice for Simpanan Shariah
+
+---
+
+
+
+### If I have registered for Simpanan Shariah, either through online or counter, am I able to do online revocation? Will I be allowed to re‑register?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Members who have registered for Simpanan Shariah either through online or counter are allowed to do online revocation only once (before the effective date).
+* Members who have revoked through online (before the effective date) and re‑registered for Simpanan Shariah, either through online or counter, revocation can only be done via EPF counter (before the effective date).
+
+---
+
+
+
+### How will the effective date be determined?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Upon registration for Simpanan Shariah, members will receive a notification on the effective date of their Simpanan Shariah account.
+2. The effective date will be on 1st January of the year following the registration, subject to allocation of annual Shariah fund on first come first serve basis and any other conditions as determined by the Board.
+3. Members who failed to secure the effective date, due to insufficient fund allocation or registration after cut off date, will have to wait for the next annual Shariah fund allocation.
+
+---
+
+
+
+### Can EPF members maintain both Simpanan Konvensional and Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, EPF members can only have one account, either Simpanan Konvensional or Simpanan Shariah.
+
+
+---
+
+
+
+### How is the dividend rate for Simpanan Shariah derived?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The dividend for Simpanan Shariah is derived from realised Shariah-compliant investment and non-investment income after netting off expenses. The realised net income is then divided by the amount required to pay for every one (1) per cent dividend for Simpanan Shariah.
+
+
+---
+
+
+
+### Why can’t Muslim members be registered to Simpanan Shariah by default?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+From Shariah perspective, a contract (akad) in a transaction must be concluded by mutual agreement to the terms and conditions by both contracting parties. For Simpanan Shariah, the w*akalah* contract is applied where EPF board has been appointed and entrusted to act on behalf of members to manage and invest their EPF savings in accordance with Shariah principles and applicable laws.
+
+
+---
+
+
+
+### What is Simpanan Shariah Contract?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The Akad (Shariah contract) for Simpanan Shariah is based on the *wakalah* contract, where the Board is appointed and entrusted to act on members’ behalf to manage and invest all credits (savings) in members’ account in accordance with the Shariah principles, the provisions under the EPF Act 1991, Regulations and EPF Rules and other resolutions from time to time. Learn more about Akad Simpanan Shariah.
+
+[Akad Simpanan Shariah](/documents/d/guest/akad-simpanan-shariah-bm-)
+
+
+---
+
+
+
+### What are the features of Simpanan Shariah Contract?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Akad for Simpanan Shariah is based on wakalah contract endorsed by the SAC.
+2. The applied wakalah contract is categorized as *wakalah mudhafah lil mustaqbal*(agency contract that comes into effect in the future) i.e. Simpanan Shariah Account will come into effect on the effective date and not immediately upon Simpanan Shariah registration.
+3. The Board will manage Shariah Portfolio comprises of EPF Shariah-compliant investment assets for Simpanan Shariah.
+4. The Board will declare an annual dividend for Simpanan Shariah based on the actual performance of Shariah Portfolio allocated to Simpanan Shariah in proportion to its share in the portfolio i.e. realised Shariah-compliant investment income, and non-investment income after netting off expenses.
+5. EPF does not guarantee any minimum dividend rate for Simpanan Shariah as any guaranteed return by EPF as the fund manager is tantamount to usury*(**riba**)* that is prohibited by the Shariah. Nonetheless, both the Simpanan Shariah and Simpanan Konvensional share similar investment strategic targets to ensure capital preservation and value enhancement of members’ savings.
+
+---
+
+
+
+### What is Shariah Compliant-Investment?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. In addition to ethical investment practices, which refrain from investing in sectors that manufacture and promote alcohol, gambling, adult entertainment and military weapons, among others, all investment assets will also undergo a Shariah screening process based on the Shariah criteria and guidelines set by the SAC, that serve to eliminate non-shariah compliant elements such as *riba* (interest/usury), *gharar* (uncertainty in contract), *maysir* (gambling) and other prohibited elements such as non-halal goods and services.
+2. To ensure end-to-end Shariah compliance, the SAC has set forth Shariah policies on compliance and monitoring of Shariah-compliant investments, which will be updated from time to time.
+3. As the total EPF’s Shariah investment asset (Shariah Portfolio) is greater than the savings amount of Simpanan Shariah members, Simpanan Konvensional will also invest in the Shariah Portfolio.
+4. Revenue generated from the Shariah Portfolio is allocated to Simpanan Shariah in proportion to its share in the portfolio.
+
+---
+
+
+
+### What is Reclassification Of Shariah-Compliant Investment?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. EPF investments such as listed and private equity, real estate and infrastructure are subject to periodic Shariah screening to review the Shariah status of such investments.
+2. For investments in listed equities, Shariah screening will be conducted based on the result of the periodic review by the Shariah Advisory Council of the Securities Commission Malaysia (SAC SC) on domestic equities and relevant Shariah index providers for global equities.
+3. For investments in private equity, real estate and infrastructure, Shariah screening will be conducted by EPF on annual basis based on the Shariah screening criteria and guidelines set by the SAC (EPF Shariah Screening).
+4. As a result of the Shariah screening, if any of the above investment assets were excluded from the SAC SC’s list of Shariah-compliant securities or relevant Shariah indices or have failed the EPF Shariah Screening as the case may be, such assets will be reclassified as Shariah non-compliant investments and will be transferred from the Shariah Portfolio to Non-Shariah Portfolio.
+5. Similarly, if any of the investment assets in Non-Shariah Portfolio has been reclassified as Shariah-compliant assets, such assets will be transferred to the Shariah portfolio.
+6. For Shariah mandate managed by external fund managers, any Shariah-compliant instruments reclassified as Shariah non-compliant will be disposed according to the guidelines set by the SAC SC.
+
+---
+
+
+
+### What is Treatment Of Shariah Non-Compliant Income?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Shariah non-compliance income were derived from excess gain due to reclassification of Shariah-compliant equities into Shariah non-compliant equities, interest income from foreign conventional accounts of Shariah-compliant investments and late payment charges.
+2. Late payment charges and/or dividend are imposed on employers for late payment of contributions, and other parties for late payment of any financial obligation due to and payable to EPF, to safeguard the interest of EPF members. With regards to Simpanan Shariah, the SAC allows such charges to be imposed as deterrent and penalty to defaulters either in the form of *ta’widh* (compensation) or *gharamah*(penalty at the rate above the *ta’widh*rate). The *ta'widh* amount as endorsed by the SAC, may be recognized as Shariah-compliant income, while any excess amount will be recorded as Shariah non-compliant income (NCI).
+3. SAC has resolved that the NCI can only be utilised for allowable expenses i.e. charitable activities such as payments of death benefit, incapacitation benefit and invocation costs and any excess NCI may be utilised for operating expenditure and indirect investment expenditure.
+
+---
+
+
+
+### Will the EPF pay zakat for members’ savings? Do I need to pay zakat for withdrawals made under Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. EPF will not pay zakat on its business nor zakat on EPF savings for muslim members as all investment of EPF are made of members savings that are yet to fulfill zakat requirement i.e. members do not have complete ownership (*Milkut Tam*) on their savings as they are not eligible to deal with it without any restriction from EPF.
+2. Muslim members are only liable to pay zakat on their EPF savings that are eligible to be withdrawn and used without any restriction i.e. having complete ownership (*Milkut Tam*), at the rate of 2.5%, subject to Nisab (minimum amount equivalent to the prevailing value of 85 grams of gold) as determined by the relevant states’ Zakat authority
+3. Types of withdrawal that are subject to zakat are:-
+
+a.    Age 50 Years Withdrawal;  
+           b.    Age 55 Years Withdrawal;  
+           c.    Age 60 Years Withdrawal;  
+           d.    Leaving Country Withdrawal;   
+           e.    Pensionable Employees Withdrawal And Optional Retirement Withdrawal; and  
+           f.    Withdrawal Of Savings Of More Than RM1 Million.
+
+
+---
+
+
+
+### I am a Muslim member and have yet to switch to Simpanan Shariah. What are the percentage of Simpanan Konvensional dividends for year 2017 to year 2023 that need to be purified?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Muslim members who have yet to switch to Simpanan Shariah are obliged to purify their Simpanan Konvensional dividend based on the percentage of income received from the conventional portfolio, which is 64% (2017), 68% (2018), 71% (2019), 69% (2020 & 2021), 73% (2022) and 66% (2023).
+
+
+---
+
+
+
+### If I choose Simpanan Shariah, will my annual statement be different?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, members’ annual statement of account will remain the same. The annual statement will indicate members’ account status and Simpanan Shariah effective date.
+
+
+---
+
+
+
+### Are there any changes to the nomination policy for Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Nomination policy for Simpanan Shariah members remains the same. Read more on [Nomination](/member/account-centre/nomination).
+
+
+---
+
+
+
+### Can I access my Simpanan Shariah via i-Akaun?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members can access their Simpanan Shariah via i-Akaun.
+
+
+---
+
+
+
+### Should I inform my employer if I choose Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, members are not required to inform their employers if they choose Simpanan Shariah.
+
+
+---
+
+
+
+### Are employers required to make separate contribution payments for employees who choose Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, employers are not required to make separate contribution payments on behalf of their employees who have chosen Simpanan Shariah.
+
+
+---
+
+
+
+### Will there be two different Form A for employers to fill in? Is there any particular form for employers to complete?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, employers are only required to complete Form A as per existing process and there will be no additional forms for employers to complete or changes to be made.
+
+
+---
+
+
+
+### Are there any new rules that employers need to comply with if their employees wish to choose Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, all employers are subject to the existing rules and regulations on contributions.
+
+
+---
+
+
+
+### Will there be any additional costs incurred by employers if their employees wish to choose Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, there will be no additional costs incurred by employers if their employees wish to choose Simpanan Shariah.
+
+
+---
+
+
+
+### Can I use my eligible Simpanan Shariah withdrawal amount to fund conventional housing loans?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members can use their withdrawal amount to fund conventional housing loans and Islamic housing financing, subject to the housing withdrawal terms and condition.
+
+
+---
+
+
+
+### Am I allowed to invest in conventional funds under the EPF Members' Investment Scheme (EPF-MIS) after switching to Simpanan Shariah?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you are only eligible to invest in Shariah-compliant fund under the scheme after the effective date of your Simpanan Shariah account.
+
+
+---
+
+
+
+### Do I need to redeem my existing investment in conventional fund under the EPF Members' Investment Scheme (EPF-MIS) made before effective date of my Simpanan Shariah account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you don't. You are not obliged to redeem or convert your existing investment in conventional fund into Shariah-compliant fund.
+
+
+---
+
+
+
+### Are unit trust funds managed by Amanah Saham Nasional Berhad (ASNB) & Amanah Saham Bumiputera 2 (ASB2) Shariah compliant?Are members with Simpanan Shariah allowed to invest in unit trust funds managed by ASNB?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The 80th Muzakarah (Conference) of the Fatwa Committee National Council of Islamic Religious Affairs Malaysia has resolved that investment in Amanah Saham Nasional scheme (ASN) and Amanah Saham Bumiputera scheme (ASB), including their dividend and bonus, is permissible. Simpanan Shariah members may refer to the respective Fund Management Institutions and their appointed Shariah adviser for any clarification on the Shariah compliance of the listed Shariah compliant funds. The Shariah Advisory Committee of EPF shall not provide any endorsement on the listed Shariah compliant funds.
+
+
+---
+
+
+
+### How does the EPF ensure that Simpanan Shariah remains Shariah compliant?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The EPF has established a comprehensive Shariah governance framework to ensure the operational and investment activities under the Simpanan Shariah adhere to the Shariah investment parameters endorsed by the EPF’s Shariah Advisory Committee (SAC). As part of the EPF’s commitment to corporate governance, the SAC will prepare and issue a report on Shariah compliance of Simpanan Shariah every financial year.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+17+-+Simpanan+Shariah_New.jpg/55adb65b-cbad-8291-1925-e1794d6784d4?t=1709776397211)
+
+PERSONAL FINANCE
+
+Make Simpanan Shariah Your Choice of Retirement Planning](https://www.kwsp.gov.my/en/w/article/simpanan-shariah-retirement) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/RAWAFA-Article-Image.webp/9035d864-ce39-2657-d1e5-02fed6be33c1?t=1714518879928)
+
+ACCOUNT
+
+Answering All Your Qs About EPF's Account 3](https://www.kwsp.gov.my/en/w/article/epf-account-3-info) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Smart+Savings-07-08.webp/f5843659-f8f6-d7b8-f019-a1de6022a0fe?t=1710746672691)
+
+PERSONAL FINANCE
+
+Save Smarter: Secure Your Future with EPF](https://www.kwsp.gov.my/en/w/article/invest-smarter) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article25_cover_new.png/56f5303f-2fa6-5c0c-e458-f3d842ac2f62?t=1721117199527)
+
+PERSONAL FINANCE
+
+Understand The Impact Of Inflation On Savings](https://www.kwsp.gov.my/en/w/article/savings-and-inflation) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article28_cover.webp/afa76b60-eba8-ad5a-9c45-fd4fdf3913c2?t=1722552534385)
+
+PERSONAL FINANCE
+
+BNPL: Buy First Think Later](https://www.kwsp.gov.my/en/w/article/buy-first-think-later) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_fasa-kehidupan_pengeluaran-akaun-fleksibel.md

@@ -0,0 +1,882 @@
+
+
+Akaun Fleksibel (Account 3) Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Akaun Fleksibel (Account 3) Withdrawal
+
+
+![](/documents/d/guest/akaun-fleksibel-withdrawal-banner?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+3. Akaun Fleksibel Withdrawal
+
+
+
+
+
+
+
+#### Akaun Fleksibel Withdrawal
+
+Flexibility For Your Short‑term Financial Needs
+
+
+
+
+
+
+
+
+The Akaun Fleksibel offers you the convenience to access savings at any time to address emergencies and immediate needs, subject to terms and conditions. It is important to use this facility wisely and responsibly when making withdrawal decisions, to ensure your retirement savings remain adequate. Good financial planning is crucial for long-term financial stability and your overall well-being.
+
+
+
+
+
+Requirements
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+
+Malaysians & Non-Malaysians​
+
+
+
+
+![icon card](/documents/d/guest/age-below-55?download=true)
+
+
+Below 55 years old
+
+
+
+
+![icon card](/documents/d/guest/akaun-fleksibel?download=true)
+
+
+Have savings in Akaun Fleksibel
+
+ 
+
+
+
+![icon card](/documents/d/guest/rm50?download=true)
+
+
+Can be withdrawn any time with RM50 minimum withdrawal limit
+
+
+
+
+
+
+
+
+
+
+* For members who are **non-Malaysians**, **withdrawal applications** can be made **manually** at the nearest [EPF office](https://iakaun.kwsp.gov.my/portal/member/location)
+
+
+
+
+
+
+
+
+
+
+What You Need To Know
+
+
+## Akaun Fleksibel - What you need to know
+
+
+
+
+### Supporting Documents
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members do not need to submit any supporting documents. However, an active bank account number need to be submitted to ensure a smooth payment processing.
+
+
+
+### Thumbprint Verification
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Generally, members do not need to be physically present for identity verification at EPF Offices as it can be done online; however, it is subject to the member's previous withdrawal history and the withdrawal amount does not exceed RM30,000.
+
+For members who do not have a previous withdrawal history, or their bank account information differs from previous withdrawal records, members need to perform thumbprint verification via Self-Service Terminal (SST) at any EPF office for withdrawal applications exceeding RM10,000.
+
+
+
+### Payment Method
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Akaun Fleksibel Withdrawal payments will be direct credited into the member's bank account. To ensure ease of receiving Akaun Fleksibel Withdrawal payments, please ensure the following conditions are met:
+
+* Bank account (savings or current account) status is active; and
+* Bank account is registered under the member's own name (not a joint/ company account).
+
+**Reminder**:   
+ Members who do not have a bank account are advised to open a bank account before applying for Akaun Fleksibel Withdrawal.
+
+
+
+### Withdrawal Channel​s
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+i. [KWSP i-Akaun​ App](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)  
+ ii. [i-Akaun (Member) Web Portal](https://iakaun.kwsp.gov.my/portal/member/login)  
+ iii. [EPF Offices](https://iakaun.kwsp.gov.my/portal/member/location)
+
+* Hassle-free application without any form at your nearest EPF office.
+* For members residing outside of Malaysia and do not have access to KWSP i-Akaun, you can download the form [here](/documents/d/guest/kwsp-9fa-ahl-_borang-permohonan-pengeluaran-akaun-fleksibel_25042024).
+
+
+### Guide For Akaun Fleksibel Withdrawal Application Via KWSP i-Akaun
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+[Quick Guide](/documents/d/guest/akaun-fleksibel-withdrawal_quick-guide_en)
+
+[Tutorial Video](https://tinyurl.com/4n2p972c)
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Akaun Fleksibel Withdrawal - FAQ For AFWithdrawal Page
+
+
+
+
+### Will members’ pre-retirement withdrawal eligibility be affected by the account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, members are still eligible to make existing withdrawals subject to current terms and conditions.
+
+
+---
+
+
+
+### What types of withdrawals are allowed after the implementation of EPF account restructuring?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All existing types of withdrawal are still applicable, subject to the terms and conditions. Among the withdrawals allowed are:
+
+Before Age 55 Years  
+ •  Akaun Persaraan: Members Investment Scheme  
+ •  Akaun Sejahtera: Housing Withdrawal, Education Withdrawal, Health Withdrawal, Hajj Withdrawal, Age 50 years Withdrawal and Member Protection Plan Withdrawals  
+ **•  Akaun Fleksibel: Akaun Fleksibel Withdrawal (new)**  
+ •  All Accounts: Disability Withdrawal, Death Withdrawal, Leaving the Country Withdrawal and Pensionable Employee Withdrawal  
+ •  Withdrawal Exceeding RM1 Million
+
+After Age 55 Years  
+ •  Akaun 55: Age 55 years Withdrawal  
+ •  Akaun Emas: Age 60 years Withdrawal  
+ •  All Accounts: Disability Withdrawal, Death Withdrawal and Leaving the Country Withdrawal
+
+
+---
+
+
+
+### When can members apply for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can apply for Akaun Fleksibel Withdrawal as soon as Akaun Fleksibel has a minimum balance of RM50 either after the transfer of the initial amount from Akaun Sejahtera has been made or after the crediting of new contributions.
+
+
+---
+
+
+
+### What are the conditions for Akaun Fleksibel withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The conditions for Akaun Fleksibel withdrawal are as follows:  
+   
+ a.  Below 55 years old;  
+ b.  Have savings in Akaun Fleksibel; and  
+ c.  Minimum withdrawal limit is RM50.
+
+
+---
+
+
+
+### Can members cancel the application for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Applications for Akaun Fleksibel Withdrawal cannot be cancelled once the application has been approved. Members are advised to make an informed decision before applying.
+
+
+---
+
+
+
+### How to apply for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can apply for Akaun Fleksibel Withdrawal through the following channels:
+
+i. [KWSP i-Akaun​ App](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html);   
+   
+ ii. [i-Akaun (Member) Web Portal](https://iakaun.kwsp.gov.my/portal/member/login); or
+
+iii. [EPF Offices](https://iakaun.kwsp.gov.my/portal/member/location)
+
+* Hassle-free application without any form at your nearest EPF office.
+* For members residing outside of Malaysia and do not have access to KWSP i-Akaun, you can download the form [here](http://10.0.47.41/documents/d/guest/kwsp-9fa-ahl-_borang-permohonan-pengeluaran-akaun-fleksibel_25042024).
+
+---
+
+
+
+### Do members need to submit any supporting documents when applying?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members do not need to submit any supporting documents. However, an active bank account number need to be submitted to ensure a smooth payment processing.
+
+
+---
+
+
+
+### Do members need to visit EPF Office for thumbprint verification if Akaun Fleksibel withdrawal applications is submitted online?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Generally, members do not need to be physically present for identity verification at EPF Offices as it can be done online; however, it is subject to the member's previous withdrawal history and the withdrawal amount does not exceed RM30,000.
+
+For members who do not have a previous withdrawal history, or their bank account information differs from previous withdrawal records, members need to perform thumbprint verification via Self-Service Terminal (SST) at any EPF office for withdrawal applications exceeding RM10,000.
+
+
+---
+
+
+
+### What is the payment method for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Akaun Fleksibel Withdrawal payments will be direct credited into the member's bank account. To ensure ease of receiving Akaun Fleksibel Withdrawal payments, please ensure the following conditions are met:
+
+* Bank account (savings or current account) status is active; and
+* Bank account is registered under the member's own name (not a joint/ company account).
+
+Reminder:   
+ Members who do not have a bank account are advised to open a bank account before applying for Akaun Fleksibel Withdrawal.
+
+
+---
+
+
+
+### Can members who have applied for Age 50/55 Conditional Withdrawals under Facility Support Account 2 (FSA2) apply for Akaun Fleksibel Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members may apply for Akaun Fleksibel Withdrawal, subject to the terms and conditions as follows:
+
+* You must be under 55 years old.
+* You must have existing savings in your Akaun Fleksibel.
+* The minimum withdrawal amount is RM50.
+
+---
+
+
+
+### When will the Akaun Fleksibel Withdrawal payment be credited into members’ bank account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Payment will be made within seven (7) working days upon application approval.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Age 50 Withdrawal (Payment/Reminder) Accordion
+
+
+
+
+### Payment Methods
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **Local Payments**  
+      
+    a. **Full payment in Ringgit Malaysia (RM) will be credited to your bank account**  
+    If you hold an active account with our panel bank and your identification number matches the bank records.  
+      
+    b. **You will be issued a Bankers Cheque**  
+    If payment to your bank account is unsuccessful.
+2. **Overseas Payments**  
+      
+    a. **Full payment will be made via Foreign Demand Draft in the currency of your choice**  
+    If your preferred currency is included in our list of approved currencies.  
+      
+    b. **Full payment will be made via Foreign Demand Draft in US Dollars**  
+    If your preferred currency is not available on our approved list.
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF office or mail it to the EPF.
+   
+   Post to EPF:
+   
+   JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP  
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor
+   
+   [Find EPF Near You](/corporate/connect-with-us)
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Brochure](/documents/d/guest/pengeluaran_50_11012017)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/RAWAFA-Article-Image.webp/9035d864-ce39-2657-d1e5-02fed6be33c1?t=1714518879928)
+
+ACCOUNT
+
+Answering All Your Qs About EPF's Account 3](https://www.kwsp.gov.my/en/w/article/epf-account-3-info) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/RAWAFA-Aticle-1705-Featured-img.webp/7a4a1acc-b29b-0bcd-8d3f-7955e461dde9?t=1715911334066)
+
+ACCOUNT
+
+All About EPF’s Account Restructuring](https://www.kwsp.gov.my/en/w/article/account-restructuring-guide) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article28_cover.webp/afa76b60-eba8-ad5a-9c45-fd4fdf3913c2?t=1722552534385)
+
+PERSONAL FINANCE
+
+BNPL: Buy First Think Later](https://www.kwsp.gov.my/en/w/article/buy-first-think-later) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article29_cover.webp/cfd7b544-882b-ebcc-889d-c69d8e8b27f3?t=1723087229542)
+
+SCAM AWARENESS
+
+How To Avoid Online Scam](https://www.kwsp.gov.my/en/w/article/how-to-avoid-online-scam) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_fasa-kehidupan_pengeluaran-pendidikan.md

@@ -0,0 +1,2403 @@
+
+
+Education Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Education Withdrawal
+
+![](/documents/d/guest/banner-member-life-education-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+3. Education Withdrawal
+
+
+
+
+
+
+
+#### Education Withdrawal
+
+Finance Your Higher Education
+
+
+
+
+
+
+
+Quality education is essential for career stability and a better life for you and your family. You can choose to withdraw savings from your Akaun Sejahtera to help fund education for yourself, your spouse, children, and/or parents at approved institutions, both locally and abroad.
+
+
+
+
+
+What You Can Withdraw
+
+Total tuition fees/outstanding education loan OR entire savings in Akaun Sejahtera (whichever is lower)
+
+
+
+
+
+
+
+
+
+
+
+What's Covered
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-5.png/fd3f74f8-8977-9ae3-6c88-1cdf1a47e48c?download=true)
+
+Tuition fees and charges imposed by the higher learning institution OR outstanding loan amount
+
+For Certificate Level 3, withdrawal eligibility only applies to tuition fees subject to the total savings balance in Akaun Sejahtera
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-3.png/1cee710b-19d9-cf8a-5976-e9f26a1903c7?download=true)
+
+Hostel & accommodation Fees
+
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-2.png/9f01e43d-5146-12eb-2f6d-7a0b963508dc?download=true)
+
+One-way flight for first-year students studying outstation/ abroad
+
+
+
+
+
+
+
+
+
+
+Who Can Apply
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?download=true)
+
+Have savings in Akaun Sejahtera
+
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons.png/c1f6c919-6603-fbf1-90be-19e5ea7d369e?download=true)
+
+Currently pursuing or has completed – Certificate Level 3, diploma or higher
+
+(academic/ professional/ skill-based/ vocational study)
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-4.png/e241bcc1-8fa5-2815-280f-1304bf589f77?download=true)
+
+Studying at local institutions
+
+(full-time, part-time, distance learning and franchise programmes)
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-2.png/9f01e43d-5146-12eb-2f6d-7a0b963508dc?download=true)
+
+Institutions abroad
+
+(full-time programmes)
+
+
+
+![icon card](/documents/20119/44044/Documents.png/0f13b334-ed59-de0a-cf71-7cd978d89a60?download=true)
+
+Do not receive any sponsorship/ loan for education OR only receive partial sponsorship/ loan for education
+
+(full sponsorship/ loan are not eligible for education withdrawal)
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-8.png/88bc2d8e-4cf3-005f-3223-906ac14efc8c?download=true)
+
+Member/ Member’s children/ Spouse/ Parents who quit/ failed/ did not graduate/ withdrawn from approved education institution
+
+\*to pay for all overdue payment fully to higher learning institutions within 3 years starting from the termination of education; and settle remaining education loan with loan provider institutions
+
+
+
+
+
+
+
+
+* Tuition Fees
+* Study Loan
+
+Categories
+
+* Withdrawal to finance your tuition fees
+
+
+
+
+* Withdrawal to finance your children/ spouse/ parents’ tuition fees
+
+
+
+
+* Joint withdrawal with your spouse to finance your children’s tuition fees
+
+
+
+
+* Joint withdrawal with your spouse to finance your spouse’s tuition fees
+
+
+
+
+
+
+
+
+
+## When You Can Withdraw
+
+
+
+
+When You Can Withdraw
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-1.png/ae2f22cb-ec7f-e84d-1874-05dd7b68758e?t=1701084714987&download=true)
+
+Every semester or academic year
+
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-6.png/2396bde6-90b3-217f-8e9f-2ef045746530?t=1701084713680&download=true)
+
+Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution 
+
+
+
+
+
+
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-1.png/ae2f22cb-ec7f-e84d-1874-05dd7b68758e?download=true)
+
+Every semester or academic year
+
+
+
+
+
+
+
+
+
+![icon card](/documents/20119/44044/MyIdaman%20Icons-6.png/2396bde6-90b3-217f-8e9f-2ef045746530?download=true)
+
+Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution 
+
+
+
+
+
+
+
+
+
+
+
+## Payment Options
+
+
+
+Payment to member
+
+If fees have been paid to higher learning institution (with condition that the receipt does not exceed one (1) year from application date)
+
+
+
+
+
+
+#### Payment to higher learning institution
+
+To settle outstanding tuition fees
+
+
+
+
+
+
+
+
+## What You Need
+
+
+
+
+* MyKad OR original identification document
+
+
+
+
+
+* Payment receipt of tuition fee from IPT and
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715&preview) – for mail submissions/ failed thumbprint verification
+
+
+
+
+* Student's enrolment confirmation letter
+
+
+
+
+* Reimbursement of flight ticket (Eligible for one way ticket for IPT student during first year student registration only)
+
+
+
+
+* Proof of relationship (If the applicant is not a student)
+
+
+
+
+
+
+* Course recognition or accreditation letter
+
+
+
+
+
+
+
+
+*Note: [Form KWSP 9H (AHL)](/documents/d/guest/form_kwsp_9h_ahl_bm) & copy of identification documents/ MyKad is required for submission via mail or representative.*
+
+
+
+
+
+
+
+
+#### Supporting Documents Required For Member Or Member’s Children/ Spouse/ Parents’ Education Withdrawal
+
+
+
+
+The required supporting documents for member, child, spouse, or parent may vary for the first and second withdrawal. So, it's necessary to submit all the required supporting documents to ensure a smooth application process.
+
+
+
+
+
+#### • Self
+
+
+
+
+## Education Withdrawal - Self
+
+
+
+
+### 1st Time Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Acceptance  
+    Course offer letter  
+    **AND**  
+    Proof of qualification to enroll in the course
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result (second year onwards)
+
+---
+
+3. Proof of Payment\*  
+    Tuition fees payment receipt  
+    **AND**  
+    Flight ticket/ original payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+4. Additional Documents  
+    Interview form  
+    **AND**  
+    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+5. Additional Documents for International Studies  
+    Copy of page in a valid passport where student's details appear  
+    **AND**  
+    **If Member has already gone abroad**  
+    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
+      
+    **OR**  
+      
+    **If Member has not gone abroad**  
+    Proof of payment to the international higher learning institution
+
+---
+
+
+
+### Subsequent Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Study  
+    Copy of the latest examination result
+
+---
+
+2. Proof of Payment\*  
+    Tuition fees payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+3. Additional Documents  
+    Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Education Withdrawal - Self
+
+
+
+
+### 1st Time Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Acceptance  
+    Course offer letter  
+    **AND**  
+    Proof of qualification to enroll in the course
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result (second year onwards)
+
+---
+
+3. Proof of Payment\*  
+    Tuition fees payment receipt  
+    **AND**  
+    Flight ticket/ original payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+4. Additional Documents  
+    Interview form  
+    **AND**  
+    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+5. Additional Documents for International Studies  
+    Copy of page in a valid passport where student's details appear  
+    **AND**  
+    **If Member has already gone abroad**  
+    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
+      
+    **OR**  
+      
+    **If Member has not gone abroad**  
+    Proof of payment to the international higher learning institution
+
+
+### Subsequent Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Study  
+    Copy of the latest examination result
+
+---
+
+2. Proof of Payment\*  
+    Tuition fees payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+3. Additional Documents  
+    Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### • Member's Children
+
+
+
+
+Application for children can be made by an individual and/ or through a joint application (parents)
+
+
+
+
+
+#### • Member's Spouse
+
+
+
+
+Application for spouse can be made by an individual and/or through a joint application
+
+
+
+#### • Member's Spouse
+
+
+
+
+#### • Member's Parents
+
+
+
+
+## Education Withdrawal - Parents
+
+
+
+
+### 1st Time Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Acceptance  
+    Course offer letter  
+    **AND**  
+    Proof of qualification to enrol in the course
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result (second year onwards)
+
+---
+
+3. Proof of Payment\*  
+    Tuition fees payment receipt  
+    **AND**  
+    Flight ticket/ original payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+4. Additional Documents  
+    Interview form  
+    **AND**  
+    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+5. Proof of Relationship  
+    i. Children  
+    Child's Identification Card  
+    **AND**  
+    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
+    ii. Spouse  
+    Marriage Certificate   
+    iii. Parents  
+    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR**Adoption Certificate from National Registration Department (for adopted children)
+
+---
+
+6. Additional Documents for international studies  
+    Copy of page in a valid passport where student's details appear  
+    **AND**
+7. **If Member's child has already gone abroad**  
+    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
+      
+    **OR**  
+      
+    **If Member's child has not gone abroad**  
+    Proof of payment to the international institute of higher learning
+
+---
+
+
+
+### Subsequent Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **Proof of Study**  
+    Copy of the latest examination result
+
+---
+
+2. **Proof of Payment\***  
+    Tuition fees payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+3. **Additional Documents**  
+    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### • Member's Parents
+
+
+
+
+## Education Withdrawal - Parents
+
+
+
+
+### 1st Time Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Acceptance  
+    Course offer letter  
+    **AND**  
+    Proof of qualification to enrol in the course
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result (second year onwards)
+
+---
+
+3. Proof of Payment\*  
+    Tuition fees payment receipt  
+    **AND**  
+    Flight ticket/ original payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+4. Additional Documents  
+    Interview form  
+    **AND**  
+    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+5. Proof of Relationship  
+    i. Children  
+    Child's Identification Card  
+    **AND**  
+    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
+    ii. Spouse  
+    Marriage Certificate   
+    iii. Parents  
+    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR**Adoption Certificate from National Registration Department (for adopted children)
+
+---
+
+6. Additional Documents for international studies  
+    Copy of page in a valid passport where student's details appear  
+    **AND**
+7. **If Member's child has already gone abroad**  
+    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
+      
+    **OR**  
+      
+    **If Member's child has not gone abroad**  
+    Proof of payment to the international institute of higher learning
+
+
+### Subsequent Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **Proof of Study**  
+    Copy of the latest examination result
+
+---
+
+2. **Proof of Payment\***  
+    Tuition fees payment receipt
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+---
+
+3. **Additional Documents**  
+    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*
+
+\*For refund application if tuition fees have already been paid to the higher learning institution
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Categories
+
+* Withdrawal to finance your outstanding education loan
+
+
+
+
+* Withdrawal to finance your children’s outstanding education loan
+
+
+
+
+* Withdrawal to finance your spouse or parents’ outstanding education loan
+
+
+
+
+
+
+
+
+## When You Can Withdraw
+
+
+
+
+* Every semester or academic year
+
+
+
+
+
+* You have outstanding student loans
+
+
+
+
+
+
+
+
+## Approved Loan Provider Institutions
+
+
+
+
+## Approved Loan Provider Institutions
+
+
+
+
+### Financial Institution
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Financial Institution Licensed Under The Financial Services Act 2013, Specially Offering Loans for Education
+
+
+---
+
+
+
+### Lending Institutions Under Ministries/ Departments/ Statutory Bodies
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Majlis Amanah Rakyat (MARA)
+* Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
+* Perbadanan Tabung Pembangunan Kemahiran (PTPK)
+* Kementerian Pelajaran Malaysia
+* Jabatan Perkhidmatan Awam (JPA)
+* Lembaga Kemajuan Tanah Persekutuan (FELDA)
+* Kementerian Pembangunan Luar Bandar
+* Kementerian Pengajian Tinggi
+* Kementerian Sumber Manusia Malaysia
+* Kementerian Pendidikan Malaysia
+* Jabatan Perdana Menteri Malaysia
+
+---
+
+
+
+### Lending Institutions Under The State Foundation
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Yayasan Wilayah Persekutuan
+* Yayasan Negeri Sembilan
+* Yayasan Terengganu
+* Yayasan Sabah
+* Yayasan Perak
+* Yayasan Pahang
+* Yayasan Kelantan Darul Naim (YAKIN)
+* Yayasan Yayasan Biasiswa Sarawak Tunku Abdul Rahman
+* Suruhanjaya Perkhidmatan Awam Negeri Sarawak (SPANS)
+
+---
+
+
+
+### Lending Institutions Under The State Education Foundation
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Pejabat SUK Kedah (Lembaga Biasiswa Negeri Kedah Darul Aman)
+* Pejabat SUK Pulau Pinang (Lembaga Tabung Amanah Pinjaman Penuntut Negeri Pulau Pinang)
+* Tabung Kumpulan Wang Biasiswa Selangor
+* Tabung Amanah Negeri Melaka
+* Pejabat Setiausaha Kerajaan Perak Darul Ridzuan
+
+---
+
+
+
+### Lending Institutions Under Foundation
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Yayasan Bank Rakyat (YBR)
+* Yayasan Biasiswa Tun Sambathan
+* Yayasan Peneraju Pendidikan Bumiputera
+* Yayasan Telekom Malaysia/Telekom Malaysia Berhad
+* Yayasan Tenaga Nasional
+
+---
+
+
+
+### Cooperative Registered With The SKM\*
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Koperasi Anak Sains Mara Berhad (ASMARA)
+* Koperasi Jayadiri Malaysia Berhad (KOJADI)
+* Koperasi NLFCS Berhad
+
+*\*Suruhanjaya Koperasi Malaysia specifically offers loans for education*
+
+
+---
+
+
+
+### Education Loans Between Employers & Employees
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Education loan between employer and employee (student) to finance employee studies (student) only.
+
+
+---
+
+
+
+### Others
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Maju Institute Of Education Development (MIED)
+* PETRONAS
+* PERKESO
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Payment Option
+
+
+
+#### **Payment to approved financial institutions**
+
+* If you have taken a loan from a financial institution approved by the EPF
+* If you have a Study Loan Agreement in your name/your child's name
+
+
+
+
+
+
+
+## What You Need
+
+
+
+
+* MyKad OR Original Identification Document
+
+
+
+
+
+* Study loan agreement in the Member's name OR Study loan agreement in the children/spouse/parents’ name –(needed for self agreement loan with the employer)
+
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715&preview) – for mail submissions/failed thumbprint verification
+* Latest loan balance statement
+* Proof of relationship (If the applicant is not a student)
+
+
+
+
+
+
+*Note: [Form KWSP 9H (AHL)](/documents/d/guest/form_kwsp_9h_ahl_bm) & Copy of identification documents/MyKad is required for submission via mail or representative.*
+
+
+
+
+
+
+#### Supporting documents required for Member or Member’s children/spouse/parents’ education withdrawal
+
+
+
+
+The required supporting documents may vary for the first and second withdrawal. So, it is necessary to submit all required supporting documents to ensure a smooth application process.
+
+
+
+
+
+#### Self
+
+
+
+
+## Study Loan\_Self
+
+
+
+
+### 1st Time Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Member is still studying**
+
+1. Proof of Acceptance  
+    Student's original enrolment confirmation letter  
+    **AND**  
+    Proof of qualification to enrol in the course  
+    **AND**  
+    Course recognition or accreditation letter
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result (2nd year onwards)
+
+---
+
+3. Proof of Loan Application  
+    Study loan agreement in the Member's name  
+    **AND**  
+    Latest loan balance statement
+
+---
+
+4. Additional Documents  
+    Interview form  
+    **AND**  
+    If the financial institution providing the loan is a co-operative  
+    **AND** If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter  
+    Letter of explanation from the higher learning institutions
+
+---
+
+Member has completed study
+
+1. Proof of Loan Application  
+    Study loan agreement in the Member's name  
+    **AND**  
+    Latest loan balance statement
+
+2. Additional Documents  
+    If the financial institution providing the loan is a co-operative Cooperative registration certificate  
+    **AND**  
+    If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter  
+    Letter of explanation from the higher learning institutions
+
+---
+
+
+
+### Subsequent Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Member is still studying**
+
+1. Proof of Acceptance  
+    Student's original enrolment confirmation letter  
+    **AND**  
+    Course recognition or accreditation letter
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result
+
+---
+
+3. Loan Balance Statement  
+    Latest loan balance statement
+
+**Member has completed study**
+
+1. Proof of Study  
+    Copy of the latest examination result
+
+---
+
+2. Loan Balance Statement  
+    Latest loan balance statement
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### Member's Children/Spouse/Parents
+
+
+
+## Study Loan\_Member's Children/Spouse/Parents
+
+
+
+
+### 1st Time Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Member's children/spouse/parents who are currently studying**
+
+1. Proof of Acceptance  
+    Student's original enrolment confirmation letter  
+    **AND**  
+    Proof of qualification to enrol in the course  
+    **AND**  
+    Course recognition or accreditation letter
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result
+
+---
+
+3. Proof of Loan Application  
+    Study loan agreement in the children/ spouse/ parents’ name  
+    **AND**  
+    Latest loan balance statement
+
+---
+
+4. Additional Documents  
+    Interview form  
+    **AND** If the financial institution providing the loan is a co-operative  
+    Cooperative registration certificate  
+    **AND** If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/ agreement/ offer letter  
+    Letter of explanation from the higher learning institutions
+
+---
+
+5. Proof of Relationship  
+    i. Children  
+    Child's Identification Card  
+    **AND**  
+    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
+    ii. Spouse  
+    Marriage Certificate   
+    iii. Parents  
+    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR** Adoption Certificate from National Registration Department (for adopted children)
+
+**Member's children/spouse/parents who have completed studies**
+
+1. Proof of Loan Application  
+    Study loan agreement in the Member's child's/ spouse/ parents' name  
+    **AND**  
+    Latest loan balance statement
+
+---
+
+2. Additional Documents  
+    If the financial institution providing the loan is a co-operative  
+    Cooperative registration certificate  
+    **AND**  
+    If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter  
+    Letter of explanation from the higher learning institutions
+
+---
+
+3. Proof of Relationship  
+    i. Children  
+    Child's Identification Card  
+    **AND**  
+    Child’s Birth Certificate/Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
+    ii. Spouse  
+    Marriage Certificate   
+    iii. Parents  
+    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR** Adoption Certificate from National Registration Department (for adopted children)
+
+
+---
+
+
+
+### Subsequent Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Member's children/ spouse/ parents who are currently studying**
+
+1. Proof of Acceptance  
+    Student's original enrolment confirmation letter  
+    **AND**  
+    Course recognition or accreditation letter
+
+---
+
+2. Proof of Study  
+    Copy of the latest examination result
+
+---
+
+3. Loan Balance Statement  
+    Latest loan balance statement
+
+**Member's children/ spouse/ parents who have completed studies**
+
+Loan Balance Statement  
+ Latest loan balance statement
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### References
+
+
+
+
+* [Professional/ Skill-Based Courses List](/documents/d/guest/lampiran-b-kursus-profesional-kemahiran-off-shore-yang-diluluskan-tidak-diluluskan_15092023)
+* [Education Loan Balance Statement Format](/documents/d/guest/contoh_format_penyata_baki_pinjaman_pendidikanv022017_26072017_edit-2?preview)
+* [Confirmation Letter Format](/documents/d/guest/contoh_format_surat_pengesahan_pendaftaran_pelajar_dari_iptv01_07_2017_20-07-2017?preview)
+* [Higher Learning Institution List](/documents/d/guest/lampiran-a_senarai-ipta-ipts_22012024)
+* [Overseas Higher Learning Institutions List](/documents/d/guest/senarai_institusi_pengajian_tinggi_luar_negara?preview)
+
+
+
+
+
+#### Withdrawal Channels
+
+
+
+
+
+* Withdraw via [i-Akaun (Member)](https://iakaun.kwsp.gov.my/portal/member/login)
+* Apply for [Manual Withdrawal](/documents/d/guest/form_kwsp_9h_ahl_bm)
+* View [e-Pengeluaran Strategic Partner](/corporate/panel-institutions)
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Education Withdrawal - More Info Accordion
+
+
+
+
+### Payment Methods
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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 number matches the bank records*
+* You will be issued a Bankers Cheque  
+   *If payment to your account is unsuccessful*
+
+---
+
+| International Payments   * Full payment will be made via Foreign Demand Draft in the currency of your choice *If your preferred currency is included in our list of approved currencies* * Full payment will be made via Foreign Demand Draft in US Dollars *If your preferred currency is not available on our approved list* |
+| --- |
+
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Education Withdrawal Brochure](/documents/d/guest/bm_pengeluaran-pendidikan_29112021)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Education Withdrawal - FAQ
+
+
+
+
+### How frequent can member's make a withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are allowed to make a withdrawal anytime as long as there is sufficient balance in their Akaun Sejahtera (subject to withdrawal terms).
+
+
+---
+
+
+
+### What is the total amount allowed for withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The total tuition fees or the balance in your Akaun Sejahtera, whichever is lower.
+
+
+---
+
+
+
+### Why is thumbprint verification necessary?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members need to be present at the EPF counter and verify their thumbprint as proof of identity as a member and applicant.
+
+
+---
+
+
+
+### What happens if a member does not provide thumbprint verification?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are given 14 days to verify their thumbprint, failing which the application will be rejected.
+
+
+---
+
+
+
+### Does the member need to produce any document for thumbprint verification at the EPF counter?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification
+* Supporting documents – members' will be notified of any additional documents through i-Akaun secured inbox.
+
+---
+
+
+
+### Where can members perform the thumbprint verification and submit the supporting documents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can perform a thumbprint verification and submit the supporting documents at any EPF offices or at Self-Service Terminal (SST) for any application without document.
+
+
+---
+
+
+
+### What are the forms and documents required when submitting an application at the EPF counter?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The forms and documents that need to be submitted by members during the submission of application at the counter are as per existing conditions:  
+   
+ **Member**  
+ Main document:  
+ i.  Form KWSP 9H (AHL)   
+   
+ Supporting documents:  
+ i. Education loan balance statement latest version (V1/11/2021)  
+ ii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study  
+ iii. Copy of the study loan agreement (applicable for loans between employer and employee)
+
+---
+
+**Parents**  
+ Main documents:  
+ i.  Form KWSP 9H (AHL)   
+ ii. Member’s child’s identification document  
+   
+ Supporting documents:  
+ i. Proof of relation  
+ ii. Education loan balance statement latest version (V1/11/2021)  
+ iii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study  
+ iv. Copy of the study loan agreement (applicable for loans between employer and employee)
+
+---
+
+
+
+---
+
+
+
+### How often can members make a withdrawal to reduce/settle their education loan balance?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can apply for this withdrawal at any time, as long as there is a remaining balance on their study loan with the education loan provide and the member still has savings in their Akaun Sejahtera.
+
+
+---
+
+
+
+### Can members pay the remaining education loan balance to the education loan provider on a monthly basis?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, a lump sum payment is made to the education loan provider for each withdrawal application.
+
+
+---
+
+
+
+### How much can a member withdraw for payment?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The amount of payment that can be withdrawn is subject to the member’s loan balance and the balance savings in their Akaun Sejahtera, whichever is lower.
+
+
+---
+
+
+
+### Will the education loan provider have to repay any excess amount withdrawn back to the EPF in the event the member’s loan has already been settled?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The education loan provider will need to reimburse any excess amount withdrawn to the EPF is the loan has already been settled.
+
+
+---
+
+
+
+### Can members make a withdrawal to settle their education loan balance if they are still studying at the higher learning institution?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members will need to submit the documents listed in the document checklist, as well as their loan balance statement. Application submissions must be done over the counter only.
+
+
+---
+
+
+
+### What are the enhancements under EPF’s Education Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Education withdrawals have been expanded as follows:  
+   
+ i.    Withdrawal covers Certificate Level 3:  
+ Withdrawal applications are extended to Certificate Level 3, subject to the list of certifications approved by the EPF; and  
+   
+ ii.    Withdrawal to finance/reduce education loans for spouses and/or parents:  
+ Withdrawal applications are extended to finance tuition fees and/or to reduce the education loans of spouses (husband/wife) and parents (biological/adopted/step parents) for Certificate Level 3, Diploma and above.
+
+
+---
+
+
+
+### What is Certificate Level 3?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Certificate Level 3 is the Malaysian Skills Certificate (SKM) accredited by the Department of Skills Development/Jabatan Pembangunan Kemahiran (DSD/JPK), Ministry of Human Resources for skills programmes offered by public or private Training Providers or ‘Accredited Centers’.
+
+
+---
+
+
+
+### What are the objectives of expanding Education Withdrawal to include Certificate Level 3?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The objectives to expand the Education Withdrawal to include Certificate Level 3 are as follows:  
+ i. To provide opportunities for more Members/students to further their education;  
+ ii. To encourage upskilling and reskilling in line with the aspirations of the Industrial Revolution (IR 4.0);  
+ iii. To assist related industries in producing quality workers who will contribute to economic growth and resilience in the future; and  
+ iv. To enable members, spouses, children, and parents to increase their level of education, thereby allowing them to earn a higher income and enjoy a better standard of living while increasing their retirement savings in the EPF.
+
+
+---
+
+
+
+### Are Members eligible to apply for this Education Withdrawal for all Certificate Level 3 courses/programmes conducted at any Accredited Centre (AC) or Training Provider?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Currently, Members are only eligible to apply for this withdrawal for Certificate Level 3 courses/programmes offered by Accredited Centres (Pusat Bertauliah/PB) and Training Providers that are accredited by the Department of Skills Development (JPK) only.
+
+
+---
+
+
+
+### How do Members/students apply for Education Withdrawal for Certificate Level 3?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The application can be made via:  
+   
+ (a)    Online application through i-Akaun (Member)  
+ For Members/students who receive educational funding from the Skills Development Fund Corporation (PTPK);   
+   
+ (b)    Manual application  
+ For Members/students who do not receive funding or receive funding from organisations other than PTPK, they must submit their application at an EPF office by completing the 9H Application Form (AHL) along with supporting documents.  
+ Members/students can refer to the EPF website at [www.kwsp.gov.my](https://www.kwsp.gov.my/) for more information
+
+
+---
+
+
+
+### What are the eligibility requirements for online Education Withdrawal application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The main requirements to be eligible to apply for an Education Withdrawal are as follows:  
+ i. Malaysian Citizen or Permanent Resident (PR);  
+ ii. Below age 55;  
+ iii. Have savings in EPF Akaun Sejahtera;  
+ iv. Have education funding with PTPK.  
+   
+ To ensure online applications can be submitted, Members/students must:  
+ i. Register and activate Member's i-Akaun at any EPF kiosk;  
+ ii. Register/update mobile phone number to receive the Transaction Authorisation Code (TAC) number at any EPF office/kiosk
+
+
+---
+
+
+
+### Are members required to submit supporting documents if applications are made via i-Akaun (Member)?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are required to submit the supporting documents under certain circumstances by **uploading** them on i-Akaun (Member) before submitting the application.  
+   
+ The types of supporting documents that can be uploaded are as follows:  
+ i. Proof of relationship  
+ ii. Payment receipt  
+ iii. Other supporting documents as required  
+   
+ *Note*:  
+ The function to upload supporting documents in i-Akaun (Member) is applicable for applications for **Certificate Level 3 courses/programmes only.**
+
+
+---
+
+
+
+### How can members upload supporting documents through i-Akaun (Member)?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are required to upload supporting documents at **Step 3 of the Withdrawal Summary.**  
+   
+ The formats allowed for uploaded documents are as follows:  
+ (a) .jpg, .jpeg or PDF format; and  
+ (b) The maximum size of each document cannot exceed 256KB
+
+*Note*:  
+ Members are advised to refer to the guidelines provided to reduce the size of the document if it exceeds the maximum size limit of 256KB.
+
+
+---
+
+
+
+### What are the education costs eligible under Education Withdrawal for Certificate Level 3?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The education costs eligible for withdrawal under Certificate Level 3 are t**uition fees only.**
+
+
+---
+
+
+
+### What is the amount of withdrawal allowed under Education Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The withdrawal amount allowed is the total tuition fees (academic year) or the balance of the education loan subject to savings in Akaun Sejahtera (whichever is lower).
+
+  
+ For a joint withdrawal application, the amount of withdrawal allowed must not exceed the total tuition fee.
+
+
+---
+
+
+
+### Can members/students pursuing Certificate Level 3 studies claim reimbursement of tuition fees?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members/students can make reimbursement of tuition fees provided that the receipt date does not exceed one year when the application was made and is subject to the member’s Akaun Sejahtera balance.  
+   
+ For reimbursements in more than one receipt, the total withdrawal amount is subject to the member’s Akaun Sejahtera balance.  
+   
+ Payment will be credited to the member’s Savings/Current Bank Account of choice.
+
+
+---
+
+
+
+### How do Members check their application and payment status for Education Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members may check their application status via:  
+   
+ 1) i-Akaun (Member):  
+ a.    i-Akaun (Member) Inbox  
+ b.    Withdrawal History Menu  
+   
+ Members will be notified via SMS on the withdrawal payment status if payment is made via direct crediting.  
+   
+ For payment using banker's cheque, members will receive the notice of payment via mail to the member’s address.
+
+
+---
+
+
+
+### Will members be notified if payment is made to an Accredited Centre?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, members will be notified with regards to payment made to Accredited Centre via a notice posted to the member's address.
+
+
+---
+
+
+
+### If members submit an offer letter for Certificate Level 1, 2, & 3 studies, can the withdrawal application be processed if members have only registered for Certificate Level 1?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Members are only eligible to apply for Education Withdrawal if the offer letter confirms that they have started studying for a Certificate Level 3 only.
+
+
+---
+
+
+
+### When is the effective date Members/students are eligible to apply for Certificate Level 3 Education Withdrawal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members/students are eligible to apply for Certificate Level 3 Education Withdrawal  if they register **on/or after 1st January 2020.**
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+ View
+
+Frequently Asked Question
+
+
+## Education Withdrawal - More Info Accordion
+
+
+
+
+### Payment Methods
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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 number matches the bank records*
+* You will be issued a Bankers Cheque  
+   *If payment to your account is unsuccessful*
+
+---
+
+| International Payments   * Full payment will be made via Foreign Demand Draft in the currency of your choice *If your preferred currency is included in our list of approved currencies* * Full payment will be made via Foreign Demand Draft in US Dollars *If your preferred currency is not available on our approved list* |
+| --- |
+
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Education Withdrawal Brochure](/documents/d/guest/bm_pengeluaran-pendidikan_29112021)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+10+-+Career+Advancement.png/0e64e7fc-7086-1a31-f2e9-6fa1c5e5f820?t=1702010645891)
+
+EDUCATION
+
+The Impact of Education on Career Advancement](https://www.kwsp.gov.my/en/w/article/career-advancement) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+19+-+Healthcare+Planning.png/21d85f6b-f524-b43a-7e9d-aa05d4cae18e?t=1712216682635)
+
+LIFESTYLE
+
+Managing Health Expenses: Getting to Know EPF’s Health Withdrawal Facility](https://www.kwsp.gov.my/en/w/article/epf-health-withdrawals) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+27+-+Bigger+Income+Cover.webp/466b0861-dab1-5835-3284-674e9e8c1e5c?t=1721902906285)
+
+PERSONAL FINANCE
+
+Income And Your Savings](https://www.kwsp.gov.my/en/w/article/income-and-your-savings) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article29_cover.webp/cfd7b544-882b-ebcc-889d-c69d8e8b27f3?t=1723087229542)
+
+SCAM AWARENESS
+
+How To Avoid Online Scam](https://www.kwsp.gov.my/en/w/article/how-to-avoid-online-scam) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_kesihatan.md

@@ -0,0 +1,502 @@
+
+
+Financial Relief for Your Medical Costs - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Financial Relief for Your Medical Costs
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. Health Protection
+
+
+
+
+
+
+
+
+## Health Protection - Myra
+
+
+
+
+Last updated: 29-01-2024
+
+Health Protection
+
+While the remarkable medical advances of this century have extended our lifespans and improved our quality of life, the undeniable truth remains that healthcare is expensive. Hence, prioritising your health becomes paramount. Whether it's covering specific treatments or providing financial security during illness, the EPF empowers you to focus on your well-being, knowing you have a reliable safety net in place.
+
+ 
+
+
+![](/documents/20119/461195/Banner-Member-Health-Critical.webp/60d1a5e7-d8c4-3bd7-3f0d-ed3c7ce0d082?t=1706368531960)
+
+Health Protection
+
+
+![](/documents/20119/461195/Banner-Member-Health-Critical.webp/60d1a5e7-d8c4-3bd7-3f0d-ed3c7ce0d082?t=1706368531960)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+### Healthcare and Wellbeing
+
+
+
+
+#### Protection
+
+
+
+## Asset Publisher
+
+
+
+
+[Members Protection Plan
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44062/Checklist-1.png/74de4bf8-38ce-6a92-aca3-aae344ed6395?t=1701084578308)](/member/healthcare/i-lindung) 
+
+
+
+
+
+
+
+
+
+
+
+#### Health Withdrawal
+
+
+
+## Asset Publisher
+
+
+
+
+[Critical Illness
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44053/Health+Life.png/b2ada353-c8fc-8f5b-7531-6b96f6693711?t=1703039991638)](/member/healthcare/critical-illness) 
+
+[Fertility Treatment 
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44053/MyIdaman+Icons-2.png/780eb38f-72d7-bd49-8eaa-cafa1655daaa?t=1701084624450)](/member/healthcare/fertility) 
+
+
+
+
+
+
+
+
+
+
+
+[![](/documents/20119/44014/Retirement.png/9616af30-f075-6760-7d7d-442b99bb0997?download=true)](/en/member/life-stages/age-55-60-withdrawal)
+
+Retirement
+
+
+[![](/documents/20119/44038/i-Saraan.png/89d4deb6-17f2-9784-e235-54eb02e9febc?download=true)](/en/member/savings/i-saraan)
+
+i-Saraan
+
+
+[![](/documents/20119/44038/i-Sayang.png/ce6c2d26-0818-af77-3f6d-194b4f511db7?t=1701082503677&download=true)](/en/member/savings/i-sayang)
+
+i-Sayang
+
+
+[![](/documents/20119/44740/Nomination%20Icon.png/2acbe17b-73e8-bde6-8308-00f2acfa7372?download=true)](/en/member/account-centre/nomination)
+
+Nomination
+
+
+[![](/documents/20119/44050/Person%20Document.png/a232b6d4-acab-dbca-7fea-eacac9131437?download=true)](/en/others/forms/member)
+
+Forms
+
+
+
+
+
+
+
+#### Incapacitation Withdrawal
+
+
+
+## Asset Publisher
+
+
+
+
+[Incapacitation
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44053/Incap.png/1b1e13e3-b0b6-480f-c860-d6486d2baec9?t=1701084623575)](/member/healthcare/incapacitation) 
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_kesihatan_i-lindung.md

@@ -0,0 +1,2916 @@
+
+
+i-Lindung: Purchase Insurance/ Takaful - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## i-Lindung: Purchase Insurance/ Takaful
+
+![](/documents/d/guest/i-lindung-01-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+3. i-Lindung
+
+
+
+
+
+
+
+#### i-Lindung
+
+Protection For You And Your Loved Ones
+
+
+
+
+
+
+
+i-Lindung is a self-service platform within the i-Akaun (Member) that simplifies the process of purchasing protection products under the Members Protection Plan (MPP). Through the MPP, members can buy insurance/ takaful products from Insurance & Takaful Operators (ITOs) approved by EPF for themselves and their family members. The applications to purchase insurance/ takaful products for family members can be made through the new KWSP i-Akaun application only.​
+
+
+
+
+
+## Who Can Apply
+
+
+
+
+
+
+![icon card](/documents/20119/44050/Frame%209771.png/ce2b305e-ee05-5df5-2ea2-4418947e1d01?download=true)
+
+Malaysian
+
+(EPF member and dependents)
+
+
+
+![icon card](/documents/20119/44062/Account.png/fd41d9e0-39b4-6c22-dd69-753033f3c615?download=true)
+
+Have a balance in EPF Account
+
+(Akaun Sejahtera/ Akaun 55/ Akaun Emas)
+
+
+
+![icon card](/documents/20119/44047/Checklist.png/6958f6bd-82b8-9dca-6b96-a3551c596fcc?download=true)
+
+i-Akaun (Member) users & use the new KWSP i-Akaun application only to make purchases\*
+
+[\*To download the new KWSP i-Akaun application, please click here.](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+
+
+
+
+
+
+
+
+
+
+Who Is Eligible To Be Covered
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?download=true)
+
+EPF Member 
+
+(Self as Primary Protected Person)
+
+
+
+![icon card](/documents/20119/44038/i-Sayang.png/ce6c2d26-0818-af77-3f6d-194b4f511db7?download=true)
+
+Spouse (Dependent)
+
+
+
+
+![icon card](/documents/20119/44038/Frame%209771.png/3faf6f47-5c2d-b1c1-b933-c868701ac06c?download=true)
+
+Children (Dependent)
+
+The definition of children includes biological children, stepchildren, and legitimately adopted children.
+
+
+
+
+
+
+
+
+Types Of Protection Offered
+
+![icon card](/documents/20119/44062/Checklist-2.png/250dcd15-598d-2626-7add-f446b36577b7?download=true)
+
+Life protection
+
+
+
+
+![icon card](/documents/20119/44062/Checklist-1.png/74de4bf8-38ce-6a92-aca3-aae344ed6395?download=true)
+
+Critical illness protection
+
+
+
+
+
+
+
+
+Key Features Of i-Lindung
+
+Please enter a valid video URL.
+
+The URL can point to any video file or a Youtube video.
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+![icon card](/documents/20119/44062/MyIdaman%20Icons.png/ad915812-971c-c49e-a368-cc08aa62873f?download=true)
+
+Seamless Journey
+
+The simplest way to purchase protection products with no medical check-up required
+
+
+
+![icon card](/documents/20119/44062/Documents-1.png/e72066cb-73f6-8152-83f9-3e3cb10a7d8d?download=true)
+
+Quick Quotation
+
+Get a quotation online for all products offered
+
+
+
+![icon card](/documents/20119/44062/Incap%20%282%29.png/75dfdbe4-125a-362d-c0d3-517dad0e5a70?download=true)
+
+Information Centre
+
+Able to access and analyse valuable information on the products offered before deciding to purchase
+
+
+
+![icon card](/documents/20119/44062/Checklist-3.png/4830d3b6-e62f-c703-99d6-6c4b5bbb84b0?download=true)
+
+Single View
+
+Able to view all details of the policies or certificates purchased
+
+
+
+![icon card](/documents/20119/44062/MyIdaman%20Icons%20%282%29.png/b83b5dda-daf2-31d4-7ae6-c6e27f15214b?download=true)
+
+Anytime, Anywhere
+
+Flexibility to purchase protection product at anytime, anywhere
+
+
+
+
+
+
+
+
+
+
+### Start Protecting Yourself And Your Loved Ones
+
+
+
+
+
+
+[Download KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+
+* General
+* Product
+* Policy
+* Other Services
+
+#### 
+
+General
+ View
+
+Frequently Asked Question
+
+
+## i-Lindung Accordion (General)
+
+
+
+
+### What is EPF Members Protection Plan (MPP)?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members Protection Plan (MPP) is an initiative to allow members to withdraw funds from their Akaun Sejahtera/Akaun 55/Akaun Emas to purchase insurance and to participate in takaful products from EPF approved insurance companies and takaful operators.
+
+
+---
+
+
+
+### Why was this initiative introduced?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+This initiative was introduced to provide social protection and financial security to EPF members who meet the eligibility criteria, in case of any unfortunate events.
+
+
+---
+
+
+
+### What is i-Lindung?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+i-Lindung is a self-service platform on i-Akaun (Member) which aims to facilitate the purchase of insurance and takaful products under the EPF MPP.
+
+
+---
+
+
+
+### What does ITO stand for?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+ITO is an Insurer/Takaful Operator. It is an insurance company or a takaful operator approved by EPF to offer products customised for EPF members at affordable premiums/contributions.
+
+
+---
+
+
+
+### What are the main features of i-Lindung?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **Seamless journey**  
+    The simplest way to purchase protection products with no medical check-ups required.
+2. **Quick quotation**  
+    Get quotation online for all products offered.
+3. **Information centre**  
+    Able to access and analyse useful information on all products offered before deciding to purchase.
+4. **Single view**  
+    Able to view all details of the policies or certificates purchased.
+5. **Anytime, anywhere**  
+    Flexibility to purchase protection products anytime, anywhere.
+
+---
+
+
+
+### Who is eligible to apply?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Malaysian (member and dependent)
+2. Have a savings balance in an EPF account
+3. i-Akaun (Member) users
+
+---
+
+
+
+### If I'm a non-Malaysian who is a Permanent Resident here in Malaysia, can I still purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Products under MPP are only eligible for Malaysian.
+
+
+---
+
+
+
+### Who is eligible to be covered under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. EPF Member (Myself / Primary Protected Person)
+2. Spouse (Dependent)
+3. Children (Dependent)
+
+*Note: The definition of children includes biological children, stepchildren, and legitimately adopted children.*
+
+
+---
+
+
+
+### What coverage options available under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+There four (4) coverage options available under the MPP as following:
+
+1. EPF members (Self) only
+2. EPF members (Primary Covered Person) and Spouses (Dependents); or
+3. EPF members (Primary Covered Person), Spouses (Dependents) and Children (Dependents); or
+4. EPF members (Primary Covered Person) and Children (Dependents)
+
+---
+
+
+
+### Can I purchase insurance and/or takaful products for my dependents, without coverage for myself?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. The purchase of insurance and takaful products for the protection of dependents under the MPP must be made with the  Primary Covered Person, which is the EPF member themselves.
+
+
+---
+
+
+
+### Can I purchase multiple insurance and/or takaful products with different types of coverage options?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. You may purchase multiple products subject to the maximum coverage amount for the product offered by ITO and your balance in EPF Account. You may purchase for:
+
+1. Myself (as the EPF Member and Primary Covered Person) AND my spouse (as the Dependent); or
+2. Myself (as the EPF Member and Primary Covered Person) AND my child/children (as the Dependent(s)); or
+3. Myself (as the EPF Member and Primary Covered Person), my spouse AND my child/children (as the Dependents).
+
+---
+
+
+
+### I have more than one child. Can I buy insurance and takaful products for my children separately?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. Subject to the maximum coverage amount for the product offered by ITO and the EPF Account balance (whichever is the lowest).
+
+
+---
+
+
+
+### What is the age limit for participation and the amount covered?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The participation age limit and the amount covered are subject to the products offered by the ITO.
+
+
+---
+
+
+
+### What is the maximum number of wives (spouse) that can be covered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You may purchase coverage for each wife per policy subject to your balance in EPF Account.
+
+
+---
+
+
+
+### What is the maximum number of children covered under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The maximum number of children covered under the MPP is ten (10) people per policy/ certificate. If you have children over 10, you need to make purchase of two separate policies/ certificates.
+
+
+---
+
+
+
+### I am over 55 years old, am I eligible for products under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, you are eligible to purchase products under the MPP as long as you have a minimum of RM100 in Account 55 and / or Akaun Emas. In addition, your eligibility is also based on the participation age limit for products offered by ITO.
+
+*Note:*
+
+1. *For EPF members who have yet to reach the age of 55 years, payment for MPP is via withdrawal, based on the total annual premium/contribution (for the duration of one (1) year) of their selected product, and subject to the EPF member's available balance in their Akaun Sejahtera.*
+2. *For EPF members aged between 55 and 59 years, payment for MPP is via withdrawal from their Account 55; and*
+3. *For EPF members who are aged 60 years and above, payment for MPP is via withdrawal from their Account 55/Akaun Emas.*
+
+---
+
+
+
+### Can I apply for MPP at any EPF branch?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Applications for MPP can only be made online via i-Akaun. Nevertheless, if you are present at the EPF Branch, the EPF staff will assist you in applying using your electronic device or through the EPF e-Service centre.
+
+
+---
+
+
+
+### How may I access i-Lindung to buy MPP products?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The only way to purchase insurance/takaful products for family members is through the new KWSP i-Akaun application.
+
+You can download the new KWSP i-Akaun application by clicking [here](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or please make sure the KWSP i-Akaun application is the latest version.
+
+
+---
+
+
+
+### Can I purchase products under MPP through insurance/takaful agents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. You can purchase the products under MPP through i-Lindung platform in i-Akaun (Member).
+
+
+---
+
+
+
+### Can I purchase insurance products if I am a Simpanan Shariah account holder?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+There is no restriction to purchase if you are a Shariah account holder. However, muslim members are strongly advised to participate in takaful products as the Fatwa Committee of the National Council of Islamic Religious Affairs Malaysia has resolved that conventional insurance is a non Shariah-compliant transaction (haram).
+
+
+---
+
+
+
+### Can disabled members (OKU) apply fo MPP product?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members with disability or their representatives can contact or liaise with the ITOs to obtain products that suit their respective needs.
+
+
+---
+
+
+
+### Why should a Muslim opt for takaful over insurance products?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+It is important for a Muslim to participate in takaful products as insurance products are not Shariah-compliant, and the Fatwa Committee of the National Council of Islamic Religious Affairs Malaysia has resolved that:
+
+1. Conventional insurance is a non Shariah compliant transaction (muamalah) that contains elements that are contrary with Shariah principles i.e. uncertainty (gharar), gambling (maysir) and usury (riba).
+2. Compensation (sum assured) from insurance (excluding the amount of premium paid) is a Shariah non-compliant asset that cannot be utilised or inherited.
+3. The compensation shall be disposed of by channeling to Baitulmal of relevant states Islamic Religious Council or donated to charity including the poor and needy (the heirs of the policyholder who are among the poor and needy as verified by the authorities or local committee may utilise the compensation for their necessity).
+
+---
+
+
+
+### What is the procedure to purchase MPP products if I am unable to open a bank account due to bankruptcy, as the bank account number needs to be entered on the relevant ITO portal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You are advised to contact the ITO that offers MPP products regarding the need to enter the account number as well as claim matters.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+Product
+ View
+
+Frequently Asked Question
+
+
+## i-Lindung Accordion (Product)
+
+
+
+
+### What are the types of protection offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The protection offered under MPP consists of life protection and critical illness.
+
+
+---
+
+
+
+### What are the offerings under Life Protection?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Life Protection offers financial assistance to members or their loved ones in the event of unforeseen circumstances such as Death or Total & Permanent Disability (TPD). Additional information are available in the KWSP i-Akaun of the Member Protection Plan card section.
+
+
+---
+
+
+
+### What does Critical Illness Protection offer?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Critical Illness Protection offers financial assistance to members or their loves ones in the event of unforeseen circumtances such as is diagnosed with any major or critical illnessesheart attack, stroke and cancer. It also serves as an income replacement in case if you are unable to work. Additional information are available in the KWSP i-Akaun of the Member Protection Plan card section.
+
+
+---
+
+
+
+### What is the product term coverage offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+MPP offers products with short-term (1 year) and long-term (over 1 year) coverage periods where policyholders make premium/contribution payments only once a year.
+
+
+---
+
+
+
+### If I don't have sufficient balance in Akaun Sejahtera/Akaun Emas, what is the procedure to renew my policy/certificate under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You can increase your Akaun Sejahtera/Akaun Emas savings by making a Voluntary Contribution to ensure that the savings are sufficient to renew the policy / certificate under the MPP.
+
+EPF members aged 55 and above can renew their policy/certificate by paying in cash or using a debit/credit card and dealing directly with the SIT that offers the product.
+
+**Note:**
+
+1. Members are advised to add savings within 21 / 51 days (calendar days) to allow contributions to be credited before the policy / certificate expires.
+2. If the balance is insufficient, a Grace Period will be given to the Member for payment and the policy will expire after the end of the Grace Period. The Grace Period is subject to ITO.
+3. The system will make payment attempts throughout the Grace Period and the insufficient balance indicator will be sent to SIT. The SIT will send a notification to members to add savings to the EPF Account through Voluntary Contribution.
+
+---
+
+
+
+### Can I make premium/contribution payments after the policy/certificate lapse?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you cannot make a premium/contribution payment after the policy/certificate lapse.
+
+
+---
+
+
+
+### Is there any cash value/savings element for the products offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, the products offered are pure protection products.
+
+
+---
+
+
+
+### What does Basic Protection mean?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Basic Protection is a product that does not provide any savings and does not involve cash value. If the policy/certificate has lapsed and you have not made any claim, you will not receive compensation/cash.
+
+
+---
+
+
+
+### Will I receive any benefits (payments) if no claims were made during the term of my policy/certificate?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Products offered under the MPP do not have mature benefits. Therefore, no benefit (payment) will be received by the member if NO claims  were made during the policy/certificate period.
+
+For example, for Critical Illness or Life Protection cover, if during the policy period the insured member is confirmed to have a critical illness or dies, SIT will pay the sum insured to the member / nominee as stated in the policy document subject to the terms and conditions set by ITO.
+
+However, if the insured member does not suffer from any critical illness or dies during the period the policy is still active / in force, this means the SIT will not process any claims or payments to the insured person (member and dependent) or their nominee.
+
+
+---
+
+
+
+### How is the premium/contribution determined for the products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Premium/contribution varies depending on the ITO and the products selected. The factors that will determine the price comprises of your age (age next birthday/ age last birthday depending on ITO), gender, smoker status (if any) & coverage amount selected at the time of application.
+
+
+---
+
+
+
+### What is waiting period? Is there any waiting period for the products offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+A waiting period refers to the period of time which must pass before some or all of your coverage can begin. ITO will not pay the benefit during the waiting period.
+
+For products under MPP waiting period is only applicable to critical illness protection. You are advised to read the product disclosure sheet prior to subscribing to any products, as the waiting period varies for every product.
+
+
+---
+
+
+
+### Can I purchase more than one product offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. You may purchase multiple products under the same ITO or from a different ITO subject to your balance in EPF Account. If the same ITO and product are selected, you are allowed to purchase up to a maximum coverage amount set by the respective ITO.
+
+
+---
+
+
+
+### How can I find more information about the product features and benefits under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You may refer to the Product Disclosure Sheet, FAQ & Brochure for the selected product in the Step 3 – View Product Details section under MPP. Alternatively, you may also contact the customer service of the respective ITO to understand the product further.
+
+**Note:**
+
+1. [PRUDENTIAL BSN TAKAFUL BERHAD](http://[email protected])
+2. [PRUDENTIAL ASSURANCE MALAYSIA BERHAD](http://[email protected])
+3. [ETIQA FAMILY TAKAFUL BERHAD](http://[email protected])
+4. [ETIQA LIFE INSURANCE BERHAD](http://[email protected])
+5. [FWD TAKAFUL BERHAD](http://[email protected])
+
+---
+
+
+
+### Do I need to undergo any medical or health assessments prior to purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. You are not required to undergo any medical or health assessment. However, you will be required to answer a few simple health questions (underwriting) provided by ITO, if any.
+
+
+---
+
+
+
+### Do I need to undergo any financial assessments to purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You do not need to go through a financial assessments to buy MPP products. However, the ITO will conduct an Anti-Money Laundering Assessment if necessary.
+
+
+---
+
+
+
+### What happens if I wrongly/mistakenly declared the wrong information upon purchasing any product offered by ITO?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+ITO may verify the information and declarations provided by you and may terminate your policy/certificate if incorrect information is provided. You are advised to disclose all relevant facts to the best of your knowledge and in good faith.
+
+
+---
+
+
+
+### Are the products offered under MPP eligible for tax relief?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. The premium/contribution that was deducted from your EPF Account is eligible for tax relief as per current Malaysian tax regulation and subject to the Inland Revenue Board’s approval.
+
+
+---
+
+
+
+### Can I continue my premium/contribution for my existing policy/certificate with products that is not under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Withdrawal from EPF Account is only eligible for products under MPP.
+
+
+---
+
+
+
+### Can I use my own money to purchase the products under MPP if there is insufficient balance in my EPF Account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you do not have sufficient balance in your EPF Account, you can add savings either through Caruman Sukarela / i-Saraan / Voluntary Excess (VE) and the payment to SIT will be deducted from your EPF Account.
+
+
+---
+
+
+
+### Are there benefit exclusions for products under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Products offered under MPP have exclusions of benefits subject to products offered by ITO.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+Policy
+ View
+
+Frequently Asked Question
+
+
+## i-Lindung Accordion (Policy)
+
+
+
+
+### What are the stages of completing a transaction through MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Step 1**: Log in to the KWSP i-Akaun application (New)  
+ **Step 2**: Click 'Withdrawal' and click 'Member Protection Plan'  
+ **Step 3**: Click 'Get a quote for insurance & takaful'  
+ **Step 4**: Select 'Who would you like to protect?' and key in all information  
+ **Step 5**: Select 'Product type' and select 'Product' for purchase  
+ **Step 6**: Review the 'Summary'of information and do the 'Declaration & Consent'  
+ **Step 7**: Route the application to the SIT website and complete the information on the SIT  
+ **Step 8**: Confirmation of the application to enable the payment process to be carried out  
+ **Step 9**: Acknowledgement of policy/certificate information from ITO
+
+
+---
+
+
+
+### What is the payment frequency for the premium/contribution of the product purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The payment frequency is for one (1) year and will be automatically renewed every year.
+
+
+---
+
+
+
+### What is the minimum balance required in EPF Akaun Sejahtera to purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members must have at least a minimum of a 1-year annual premium/contribution of the product purchase.
+
+
+---
+
+
+
+### When will I receive confirmation of my application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The confirmation of your application is immediate. You may also refer to the Transaction History section in i-Lindung to check your application status.
+
+
+---
+
+
+
+### Can ITO reject my application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. In the event you fail the assessment done by the ITO.
+
+
+---
+
+
+
+### When will my policy/certificate coverage start?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Your coverage starts based on the 'Start Date' displayed on your policy/certificate document issued by ITO.  Your policy/certificate documents will be sent via email by ITO to your registered email address. It also be available in the 'My Protection Plan' section in the i-Lindung portal  at 'View e-Certificate' button.
+
+
+---
+
+
+
+### For products with waiting period, am I covered immediately upon successful application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Waiting period refers to the period of time which must pass before your coverage can begin from the effective date as stated in your policy / certificate. ITO will not pay the benefit during the waiting period. You are advised to read the product disclosure sheet prior to purchasing any products, as the waiting period varies for every product.
+
+
+---
+
+
+
+### When will the payment be made to ITO?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Upon successful application, payment to ITO will not be immediate and may take a few days. Nevertheless, your policy/certificate status will remain in-force unless the payment is rejected. In the event that the payment is rejected, the policy/certificate purchased will be cancelled by ITO.
+
+You are advised to monitor your application payment status at the Transaction History section in i-Lindung portal to ensure no complications to your policy/certificate status.
+
+
+---
+
+
+
+### Will my policy/certificate automatically renewed once the coverage ends?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. Your policy/certificate will be renewed automatically after the coverage period ends subject to the balance in your EPF Account.
+
+
+---
+
+
+
+### Can I change the coverage amount for my policy/certificate?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you are not allowed to amend the coverage amount once the coverage of your policy/certificate has started. However, if you wish to get additional protection, you may consider purchasing another product offered under MPP.
+
+
+---
+
+
+
+### What will happen if I fail to pay the premium/contribution within the Grace Period?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you do not pay the premium/contribution during the Grace Period, your policy/certificate will be automatically terminated subject to the SIT offering the product.
+
+
+---
+
+
+
+### Can products under the MPP cover the cost of hospitalization or supply a medical card for outpatient treatment?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The products offered in the i-Lindung portal are Basic Protection products that do not provide any savings and do not involve cash value. If the policy/certificate has lapsed and you have not made any claim, you will not get any compensation/cash.
+
+Therefore, products that include hospitalization (hospitalisation), medical cards or related investments are not offered under the Member Protection Plan (MPP).
+
+
+---
+
+
+
+### What are the consequences if I incorrectly provide information related to my dependents, such as 'Gender' and 'Date of Birth'?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you provide incorrect information for your dependents such as 'Gender' and 'Date of Birth' information, it will affect the amount of premium payments/contributions that must be paid to the ITO involved and also the claims made.
+
+
+---
+
+
+
+### What if I change my mind after I get a product under the MPP ?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you change your mind after obtaining the product under the MPP and have not made a claim, you can cancel your policy/certificate at any time through the relevant SIT. If you cancel your policy/certificate within the first 15 days or 30 days (Cooling off period / Free look period) after the cover starts, SIT will return the premium/contribution paid.
+
+However, should you choose to cancel your policy/certificate after 15 days or 30 days, SIT will refund the unused portion, subject to a calculation determined by SIT.
+
+Please note that after cancellation of the policy/certificate, you no longer have coverage. Therefore, before canceling, it is advisable to consider this matter carefully.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+Other Services
+ View
+
+Frequently Asked Question
+
+
+## i-Lindung Accordion (Other Service)
+
+
+
+
+### Upon cancellation of my policy/certificate, will the refund be credited to my EPF Account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, the refund will be credited to your EPF Account if the payment is made before you reach the age of 55 years. Otherwise, it will be credited to your bank account if your age exceeds 55 years old, according to the bank account details you provided to the ITO. The refund will also be credited to your bank account if your EPF Account is inactive.
+
+
+---
+
+
+
+### How long will it take for the refund to be reflected in my EPF Account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+It will take seven (7) business days from the day ITO has finalised your policy/certificate cancellation process and informed EPF. The turnaround time on the policy/certificate cancellation process varies between ITO. For further information, you may contact the respective ITO customer service.
+
+
+---
+
+
+
+### Why is it important to make a nomination?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Nomination is important to safeguard the interest of your loved ones and to ensure they receive the protection as intended by you without any delay. Without a nomination, the benefits under your policy/certificate will be paid out by ITO to your lawful executor or administrator to distribute the benefits in accordance with the applicable laws of distribution. The process may take some time. It is important that the nominee is aware of the policy /certificate purchased by you.
+
+You can make nominations in the 'My Protection Plan(s)' section at i-Lindung portal after purchasing the MPP products.
+
+
+---
+
+
+
+### How to make a nomination for my policy/certificate purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You may proceed to do the nomination through the respective ITO. For further information, you may contact the customer service of the ITO or refer to your policy/certificate documents.  Alternatively, you may also refer to the 'My Protection Plan(s)' section in i-Lindung portal.
+
+
+---
+
+
+
+### Can I do Hibah for my policy/certificate purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Hibah, also known as gift (voluntarily) without consideration, is only applicable to nomination under takaful products. By naming your loved ones as beneficiaries under conditional Hibah, the benefits will be paid by the Takaful Operators without having to go through lengthy inheritance procedures or Faraid.
+
+
+---
+
+
+
+### Do I have to nominate the same nominee for my policy/certificate as per my EPF nomination?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. You may nominate any individual as per terms and conditions  outline by the respective ITO.
+
+
+---
+
+
+
+### How to claim for my policy/certificate purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You and/or dependent or your nominee(s)may make a claim through the respective ITO. For further information, you and/or dependent or your beneficiary may contact the ITO customer service or refer to your policy/certificate documents. Alternatively, refer to the 'My Protection Plan(s)' section in i-Lindung portal.
+
+
+---
+
+
+
+### What if the claim occurred before payment has been made to ITO?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Upon successful payment, you and/or dependent or beneficiary may proceed to make a claim for the benefit with no waiting period through the respective ITO. If the payment is rejected, the policy/certificate purchased will be cancelled by ITO and no claims can be made.
+
+You are advised to monitor your application payment status at the 'Transaction History' section in the i-Lindung portal to ensure no complications to your policy/certificate status.
+
+
+---
+
+
+
+### Will I receive any benefits (payments) if no claims were made during the coverage term?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Products offered under the MPP do not have mature benefits. Therefore, no benefit (payment) will be received by the person covered (members and/or dependent) if no claims were made during the coverage term.
+
+For example, for Critical Illness or Life  Protection, if during the policy/certificate period the person covered (members and/or dependent) is confirmed to have a critical illness or dies, ITO will pay the sum covered to the person covered (members and/or dependent) or nominee(s) as stated in the policy document subject to the terms and conditions set by ITO.
+
+However, if the insured member and/or dependent does not suffer from any critical illness or dies during the period the policy/certificate is still active/in force, this means the ITO will not process any claims or payments to the insured member and/or dependent or their nominee.  
+
+
+
+---
+
+
+
+### When will I receive the policy document/certificate after purchasing a product under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The policy/certificate document will be generated automatically and can be found in 'My Protection Plan(s)' (e-Policy/e-Certificate). However, the policy/certificate document will be available in the e-Policy/e-Certificate subject to the period set (SLA) by the ITO.
+
+
+---
+
+
+
+### What can I do if I am dissatisfied with the way my claim is being handled?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The **Ombudsman for Financial Services** and **BNM Laman Informasi Nasihat dan Khidmat (BNMLINK)** are set up to offer customer protection and help to resolve any dispute over claims. If you/your nominee(s) are not satisfied with the claim decision made by the respective ITO, you/your nominee(s) may write to the following address:
+
+**Ombudsman for Financial Services**  
+ (formerly known as Financial Mediation Bureau)  
+ Level 14, Main Block,  
+ Menara Takaful Malaysia,  
+ No. 4, Jalan Sultan Sulaiman,  
+ 50000 Kuala Lumpur.  
+ Tel: 03-2272 2811  
+ Fax: 03-2272 1577  
+ Website: [www.ofs.org.my](http://www.ofs.org.my)
+
+Director  
+ Jabatan LINK & Pejabat Wilayah  
+ Bank Negara Malaysia,  
+ P.O. Box 10922,  
+ 50929 Kuala Lumpur.  
+ Tel: 1-300-88-5465  
+ Fax: 03-2174 1515  
+ E-mail: [[email protected]](http://[email protected])
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+
+
+
+
+
+
+General
+ View
+
+Frequently Asked Question
+
+
+## MPP General-FAQ
+
+
+
+
+### What is EPF Members Protection Plan (MPP)?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+MPP is an initiative to allow members to withdraw funds from their Account 2/ Account 55 / Akaun Emas to purchase insurance and to participate in takaful products from EPF approved insurance companies and takaful operators.
+
+
+---
+
+
+
+### Why was this initiative introduced?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+This initiative was introduced to provide social protection and financial security to EPF members who meet the eligibility criteria, in case of any unfortunate events.
+
+
+---
+
+
+
+### What is i-Lindung?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+i-Lindung is a self-service platform on i-Akaun (Member) which aims to facilitate the purchase of insurance and takaful products under the EPF MPP.
+
+
+---
+
+
+
+### What does ITO stand for?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+ITO is an Insurer/Takaful Operator. It is an insurance company or a takaful operator approved by EPF to offer products customized for EPF members at affordable premiums/contributions.
+
+
+---
+
+
+
+### What are the main features of i-Lindung?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+a.     **Seamless journey**  
+ The simplest way to purchase protection products with no medical check-ups required  
+ b.     **Quick quotation**  
+ Get quotation online for all products offered  
+ c.     **Information centre**  
+ Able to access and analyse useful information on all products offered before deciding to purchase  
+ d.     **Single view**  
+ Able to view all details of the policies or certificates purchased  
+ e.      **Anytime, anywhere**  
+ Flexibility to purchase protection products anytime, anywhere.
+
+
+---
+
+
+
+### Who is eligible to apply?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+a. Malaysian (member and dependent);   
+    b. Have a savings balance in an EPF account; and  
+    c. i-Account (Member) Users
+
+
+---
+
+
+
+### If I'm a non-Malaysian who is a Permanent Resident here in Malaysia, can I still purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Products under MPP are only eligible for Malaysian.
+
+
+---
+
+
+
+### Who is eligible to be covered under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+a. EPF Member (Myself / Primary Protected Person);  
+ b. Spouse (Dependent); and  
+ c. Children (Dependent)
+
+*Note:  
+ The definition of children includes biological children, stepchildren, and legitimately adopted children*.
+
+
+---
+
+
+
+### What coverage options available under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+There a four coverage options available under the MPP as following:
+
+a. EPF members (Self) only;  
+ b. EPF members (Primary Covered Person) and Spouses (Dependents); or  
+ c. EPF members (Primary Covered Person), Spouses (Dependents) and Children (Dependents); or  
+ d. EPF members (Primary Covered Person) and Children (Dependents)
+
+
+---
+
+
+
+### Can I purchase insurance and/or takaful products for my dependents, without coverage for myself?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. The purchase of insurance and takaful products for the protection of dependents under the MPP must be made with the  Primary Covered Person, which is the EPF member themselves.
+
+
+---
+
+
+
+### Can I purchase multiple insurance and/or takaful products with different type of coverage options?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Options as follows for example:  
+  
+  
+  1. Myself (as the EPF Member and Primary Covered Person) AND my spouse (as the Dependent); or
+  
+  2. Myself (as the EPF Member and Primary Covered Person) AND my child/children (as the Dependent(s)); or
+  
+  3. Myself (as the EPF Member and Primary Covered Person), my spouse AND my child/children (as the Dependents).
+  
+  **Yes**. You may purchase multiple product subject to the maximum coverage amount for the product offered by ITO and your balance in EPF Account.
+
+---
+
+
+
+### I have more than one child. Can I buy insurance and takaful products for my children separately?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**Yes. Subject to the maximum coverage amount for the product offered by ITO and the EPF Account balance (whichever is the lowest).**
+
+
+---
+
+
+
+### What is the age limit for participation and the amount covered?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The participation age limit and the amount covered are subject to the products offered by the ITO.
+
+
+---
+
+
+
+### What is the maximum number of wives (Spouse) that can be covered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You may purchase coverage for each wife per policy subject to your balance in EPF Account.
+
+
+---
+
+
+
+### What is the maximum number of children covered under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The maximum number of children covered under the MPP is ten (10) people per policy/ certificate. If you have children over 10, you need to make purchase of two separate policies/ certificates.
+
+
+---
+
+
+
+### I am over 55 years old, am I eligible for products under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, you are eligible to purchase products under the MPP as long as you have a minimum of RM100 in Account 55 and / or Akaun Emas. In addition, your eligibility is also based on the participation age limit for products offered by ITO.
+
+*Note:*
+
+1. *For EPF members who have yet to reach the age of 55 years, payment for MPP is via withdrawal, based on the total annual premium/contribution (for the duration of one (1) year) of their selected product, and subject to the EPF member's available balance in their Account*
+2. *For EPF members aged between 55 and 59 years, payment for MPP is via withdrawal from their Account 55; and*
+3. *For EPF members who are aged 60 years and above, payment for MPP is via withdrawal from their Account 55/Akaun Emas.*
+
+---
+
+
+
+### Can I apply for MPP at any EPF branch?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Applications for MPP can only be made online via KWSP i-Akaun. Nevertheless, if you are present at the EPF Branch, the EPF staff will assist you in applying using your electronic device or through the EPF e-Service centre.
+
+
+---
+
+
+
+### How may I access i-Lindung to buy PPA products?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The only way to purchase insurance/takaful products for family members is through the new KWSP i-Akaun application.
+
+You can download the new KWSP i-Akaun application by clicking [**here**](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or please make sure the KWSP i-Akaun application is the latest version.
+
+
+---
+
+
+
+### Can I purchase products under MPP through insurance/takaful agents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. You can purchase the products under MPP through i-Lindung platform in i-Akaun (Members).
+
+
+---
+
+
+
+### Can I purchase insurance products if I am a Simpanan Shariah account holder?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+There is no restriction to purchase if you are a Shariah account holder. However, muslim members are strongly advised to participate in takaful products as the Fatwa Committee of the National Council of Islamic Religious Affairs Malaysia has resolved that conventional insurance is a non Shariah-compliant transaction (haram).
+
+
+---
+
+
+
+### Can disabled members (OKU) apply fo MPP product?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members with disability or their representatives can contact or liaise with the ITOs to obtain products that suit their respective needs.
+
+
+---
+
+
+
+### Why should muslim should opt for takaful over insurance products?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+It is important for a Muslim to participate in takaful products as insurance products are not Shariah-compliant, and the Fatwa Committee of the National Council of Islamic Religious Affairs Malaysia has resolved that:
+
+a. Conventional insurance is a non Shariah compliant transaction (muamalah) that contains elements that are contrary with Shariah principles i.e. uncertainty (gharar), gambling (maysir) and usury (riba)
+
+b. Compensation (sum assured) from insurance (excluding the amount of premium paid) is a Shariah non-compliant asset that cannot be utilised or inherited
+
+c. The compensation shall be disposed of by channeling to Baitulmal of relevant states Islamic Religious Council or donated to charity including the poor and needy (the heirs of the policyholder who are among the poor and needy as verified by the authorities or local committee may utilise the compensation for their necessity).
+
+
+---
+
+
+
+### What is the procedure to purchase PPA products if I am unable to open a bank account due to bankruptcy, as the bank account number needs to be entered on the relevant ITO portal?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You are advised to contact the ITO that offers PPA products regarding the need to enter the account number as well as claim matters.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Product
+ View
+
+Frequently Asked Question
+
+
+## Product FAQ
+
+
+
+
+### What are the types of protection offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The protection offered under MPP consists of life protection and critical illness.
+
+
+---
+
+
+
+### What are the offerings under Life Protection?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Life Protection offers financial assistance to members or their loved ones in the event of unforeseen circumstances such as Death or Total & Permanent Disability (TPD). Additional information are available in the KWSP i-Akaun of the Member Protection Plan card section.
+
+
+---
+
+
+
+### What does Critical Illness Protection offer?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Critical Illness Protection offers financial assistance to members or their loves ones in the event of unforeseen circumtances such as is diagnosed with any major or critical illnessesheart attack, stroke and cancer. It also serves as an income replacement in case if you are unable to work. Additional information are available in the KWSP i-Akaun of the Member Protection Plan card section.
+
+
+---
+
+
+
+### What is the product term coverage offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+MPP offers products with short-term (1 year) and long-term (over 1 year) coverage periods where policyholders make premium/contribution payments only once a year.
+
+
+---
+
+
+
+### If I don't have sufficient balance in Account 2/Akaun Emas, what is the procedure to renew my policy/certificate under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You can increase your Account 2/Akaun Emas savings by making a Voluntary Contribution to ensure that the savings are sufficient to renew the policy / certificate under the MPP.
+
+EPF members aged 55 and above can renew their policy/certificate by paying in cash or using a debit/credit card and dealing directly with the SIT that offers the product.
+
+*Note:*
+
+1. *Members are advised to add savings within 21 / 51 days (calendar days) to allow contributions to be credited before the policy / certificate expires.*
+2. *If the balance is insufficient, a Grace Period will be given to the Member for payment and the policy will expire after the end of the Grace Period. The Grace Period is subject to ITO.*
+3. *The system will make payment attempts throughout the Grace Period and the insufficient balance indicator will be sent to SIT. The SIT will send a notification to members to add savings to the EPF Account through Voluntary Contribution.*
+
+---
+
+
+
+### Can I make premium/contribution payments after the policy/certificate lapse?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you cannot make a premium/contribution payment after the policy/certificate lapse.
+
+
+---
+
+
+
+### Is there any cash value/savings element for the products offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, the products offered are pure protection products.
+
+
+---
+
+
+
+### What does Basic Protection mean?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Basic Protection is a product that does not provide any savings and does not involve cash value. If the policy/certificate has lapsed and you have not made any claim, you will not receive compensation/cash.
+
+
+---
+
+
+
+### Will I receive any benefits (payments) if no claims were made during the term of my policy/certificate?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Products offered under the MPP do not have mature benefits. Therefore, no benefit (payment) will be received by the member if NO claims  were made during the policy/certificate period.  
+   
+ For example, for Critical Illness or Life Protection cover, if during the policy period the insured member is confirmed to have a critical illness or dies, SIT will pay the sum insured to the member / nominee as stated in the policy document subject to the terms and conditions set by ITO.  
+   
+ However, if the insured member does not suffer from any critical illness or dies during the period the policy is still active / in force, this means the SIT will not process any claims or payments to the insured person (member and dependent) or their nominee.
+
+
+---
+
+
+
+### How is the premium/contribution determined for the products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Premium/contribution varies depending on the ITO and the products selected. The factors that will determine the price comprises of your age (age next birthday/ age last birthday depending on ITO), gender, smoker status (if any) & coverage amount selected at the time of application.
+
+
+---
+
+
+
+### What is waiting period? Is there any waiting period for the products offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+A waiting period refers to the period of time which must pass before some or all of your coverage can begin. ITO will not pay the benefit during the waiting period.  
+ For products under MPP waiting period is only applicable to critical illness protection. You are advised to read the product disclosure sheet prior to subscribing to any products, as the waiting period varies for every product.
+
+
+---
+
+
+
+### Can I purchase more than one product offered under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. You may purchase multiple products under the same ITO or from a different ITO subject to your balance in EPF Account. If the same ITO and product are selected, you are allowed to purchase up to a maximum coverage amount set by the respective ITO.
+
+
+---
+
+
+
+### How can I find more information about the product features and benefits under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You may refer to the Product Disclosure Sheet, FAQ & Brochure for the selected product in the Step 3 – View Product Details section under MPP. Alternatively, you may also contact the customer service of the respective ITO to understand the product further.
+
+*Note:  
+ 1. PRUDENTIAL BSN TAKAFUL BERHAD : [[email protected]](/cdn-cgi/l/email-protection)  
+ 2. PRUDENTIAL ASSURANCE MALAYSIA BERHAD : [[email protected]](/cdn-cgi/l/email-protection)  
+ 3. ETIQA FAMILY TAKAFUL BERHAD : [[email protected]](/cdn-cgi/l/email-protection)  
+ 4. ETIQA LIFE INSURANCE BERHAD : [[email protected]](/cdn-cgi/l/email-protection)  
+ 5. FWD TAKAFUL BERHAD : [[email protected]](/cdn-cgi/l/email-protection)*
+
+
+---
+
+
+
+### Do I need to undergo any medical or health assessments prior to purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. You are not required to undergo any medical or health assessment. However, you will be required to answer a few simple health questions (underwriting) provided by ITO, if any.
+
+
+---
+
+
+
+### Do I need to undergo any financial assessments to purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You do not need to go through a financial assessments to buy MPP products. However, the ITO will conduct an Anti-Money Laundering Assessment if necessary.
+
+
+---
+
+
+
+### What happens if I wrongly/mistakenly declared the wrong information upon purchasing any product offered by ITO?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+ITO may verify the information and declarations provided by you and may terminate your policy/certificate if incorrect information is provided. You are advised to disclose all relevant facts to the best of your knowledge and in good faith.
+
+
+---
+
+
+
+### Are the products offered under MPP eligible for tax relief?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. The premium/contribution that was deducted from your EPF Account is eligible for tax relief as per current Malaysian tax regulation and subject to the Inland Revenue Board’s approval.
+
+
+---
+
+
+
+### Can I continue my premium/contribution for my existing policy/certificate with products that is not under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Withdrawal from EPF Account is only eligible for products under MPP.
+
+
+---
+
+
+
+### Can I use my own money to purchase the products under MPP if there is insufficient balance in my EPF Account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you do not have sufficient balance in your EPF Account, you can add savings either through Caruman Sukarela / i-Saraan / Voluntary Excess (VE) and the payment to SIT will be deducted from your EPF Account.
+
+
+---
+
+
+
+### Are there benefit exclusions for products under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Products offered under MPP have exclusions of benefits subject to products offered by ITO.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Policy
+ View
+
+Frequently Asked Question
+
+
+## Policy - FAQ
+
+
+
+
+### What are the stages of completing a transaction through MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **Step 1**
+   
+   Log in to the KWSP i-Akaun application
+2. **Step 2**
+   
+   Click 'Withdrawal' and click 'Member Protection Plan'
+3. **Step 3**
+   
+   Click 'Get a quote for insurance & takaful'
+4. **Step 4**
+   
+   Select 'Who would you like to protect?' and key in all information
+5. **Step 5**
+   
+   Select 'Product type' and select 'Product' for purchase
+6. **Step 6**
+   
+   Review the 'Summary'of information and do the 'Declaration & Consent'
+7. **Step 7**
+   
+   Route the application to the SIT website and complete the information on the SIT
+8. **Step 8**
+   
+   Confirmation of the application to enable the payment process to be carried out
+9. **Step 9**
+   
+   Acknowledgement of policy/insurance information from SIT
+
+---
+
+
+
+### What is the payment frequency for the premium/contribution of the product purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The payment frequency is for one (1) year and will be automatically renewed every year.
+
+
+---
+
+
+
+### What is the minimum balance required in EPF Account 2 to purchase products under MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members must have at least a minimum of a 1-year annual premium/contribution of the product purchase.
+
+
+---
+
+
+
+### When will I receive confirmation of my application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The confirmation of your application is immediate. You may also refer to the Transaction History section in i-Lindung to check your application status.
+
+
+---
+
+
+
+### Can ITO reject my application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. In the event you fail the assessment done by the ITO.
+
+
+---
+
+
+
+### When will my policy/certificate coverage start?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Your coverage starts based on the 'Start Date' displayed on your policy/certificate document issued by SIT.  Your policy/certificate documents will be sent via email by ITO to your registered email address. It also be available in the 'My Protection Plan' section in the i-Lindung portal  at 'View e-Certificate' button.
+
+
+---
+
+
+
+### For products with waiting period, am I covered immediately upon successful application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Waiting period refers to the period of time which must pass before your coverage can begin from the effective date as stated in your policy / certificate. ITO will not pay the benefit during the waiting period. You are advised to read the product disclosure sheet prior to purchasing any products, as the waiting period varies for every product.
+
+
+---
+
+
+
+### When will the payment be made to ITO?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Upon successful application, payment to ITO will not be immediate and may take a few days. Nevertheless, your policy/certificate status will remain in-force unless the payment is rejected. In the event that the payment is rejected, the policy/certificate purchased will be cancelled by ITO.  
+   
+ You are advised to monitor your application payment status at the Transaction History section in i-Lindung portal to ensure no complications to your policy/certificate status.
+
+
+---
+
+
+
+### Will my policy/certificate automatically renewed once the coverage ends?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. Your policy/certificate will be renewed automatically after the coverage period ends subject to the balance in your EPF Account.
+
+
+---
+
+
+
+### Can I change the coverage amount for my policy/certificate?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you are not allowed to amend the coverage amount once the coverage of your policy/certificate has started. However, if you wish to get additional protection, you may consider purchasing another product offered under MPP.
+
+
+---
+
+
+
+### What will happen if I fail to pay the premium/contribution within the Grace Period?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you do not pay the premium/contribution during the Grace Period, your policy/certificate will be automatically terminated subject to the SIT offering the product.
+
+
+---
+
+
+
+### Can products under the MPP cover the cost of hospitalization or supply a medical card for outpatient treatment?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The products offered in the i-Lindung portal are Basic Protection products that do not provide any savings and do not involve cash value. If the policy/certificate has lapsed and you have not made any claim, you will not get any compensation/cash.  
+   
+ Therefore, products that include hospitalization (hospitalisation), medical cards or related investments are not offered under the Member Protection Plan (MPP).
+
+
+---
+
+
+
+### What are the consequences if I incorrectly provide information related to my dependents, such as 'Gender' and 'Date of Birth'?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you provide incorrect information for your dependents such as 'Gender' and 'Date of Birth' information, it will affect the amount of premium payments/contributions that must be paid to the ITO involved and also the claims made.
+
+
+---
+
+
+
+### What if I change my mind after I get a product under the MPP ?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+If you change your mind after obtaining the product under the PPA and have not made a claim, you can cancel your policy/certificate at any time through the relevant SIT. If you cancel your policy/certificate within the first 15 days or 30 days (Cooling off period / Free look period) after the cover starts, SIT will return the premium/contribution paid.  
+   
+ However, should you choose to cancel your policy/certificate after 15 days or 30 days, SIT will refund the unused portion, subject to a calculation determined by SIT.  
+   
+ Please note that after cancellation of the policy/certificate, you no longer have coverage. Therefore, before canceling, it is advisable to consider this matter carefully.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Other Service
+ View
+
+Frequently Asked Question
+
+
+## Other Services - FAQ
+
+
+
+
+### Upon cancellation of my policy/certificate, will the refund be credited to my EPF Account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, the refund will be credited to your EPF Account if the payment is made before you reach the age of 55 years. Otherwise, it will be credited to your bank account if your age exceeds 55 years old, according to the bank account details you provided to the ITO. The refund will also be credited to your bank account if your EPF Account is inactive.
+
+
+---
+
+
+
+### How long will it take for the refund to be reflected in my EPF Account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+It will take seven (7) business days from the day ITO has finalised your policy/certificate cancellation process and informed EPF. The turnaround time on the policy/certificate cancellation process varies between ITO. For further information, you may contact the respective ITO customer service.
+
+
+---
+
+
+
+### Why is it important to make a nomination?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Nomination is important to safeguard the interest of your loved ones and to ensure they receive the protection as intended by you without any delay. Without a nomination, the benefits under your policy/certificate will be paid out by ITO to your lawful executor or administrator to distribute the benefits in accordance with the applicable laws of distribution. The process may take some time. It is important that the nominee is aware of the policy / certificate purchased by you.  
+   
+ You can make nominations in the 'My Protection Plan(s)' section at i-Lindung portal after purchasing the PPA products.
+
+
+---
+
+
+
+### How to make a nomination for my policy/certificate purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+*You may proceed to do the nomination through the respective ITO. For further information, you may contact the customer service of the ITO or refer to your policy/certificate documents.  Alternatively, you may also refer to the 'My Protection Plan(s)' section in i-Lindung portal.*
+
+
+---
+
+
+
+### Can I do Hibah for my policy/certificate purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Hibah, also known as gift (voluntarily) without consideration, is only applicable to nomination under takaful products. By naming your loved ones as beneficiaries under conditional Hibah, the benefits will be paid by the Takaful Operators without having to go through lengthy inheritance procedures or Faraid.
+
+
+---
+
+
+
+### 6. Do I have to nominate the same nominee for my policy/certificate as per my EPF nomination?ceive if no claim is made throughout the coverage term of my policy/ certificate?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. You may nominate any individual as per terms and conditions  outline by the respective ITO.
+
+
+---
+
+
+
+### How to claim for my policy/certificate purchased?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You and/or dependent or your nominee(s)may make a claim through the respective ITO. For further information, you and/or dependent or your beneficiary may contact the ITO customer service or refer to your policy/certificate documents. Alternatively, refer to the 'My Protection Plan(s)' section in i-Lindung portal.
+
+
+---
+
+
+
+### What if the claim occurred before payment has been made to ITO?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Upon successful payment, you and/or dependent or beneficiary may proceed to make a claim for the benefit with no waiting period through the respective ITO. If the payment is rejected, the policy/certificate purchased will be cancelled by ITO and no claims can be made.
+
+You are advised to monitor your application payment status at the 'Transaction History' section in the i-Lindung portal to ensure no complications to your policy/certificate status.
+
+
+---
+
+
+
+### Will I receive any benefits (payments) if no claims were made during the coverage term?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Products offered under the MPP do not have mature benefits. Therefore, no benefit (payment) will be received by the person covered (members and/or dependent) if no claims were made during the coverage term.  
+   
+ For example, for Critical Illness or Life  Protection, if during the policy/certificate period the person covered (members and/or dependent) is confirmed to have a critical illness or dies, SIT will pay the sum covered to the person covered (members and/or dependent) or nominee(s) as stated in the policy document subject to the terms and conditions set by ITO.  
+   
+ However, if the insured member and/or dependent does not suffer from any critical illness or dies during the period the policy/certificate is still active/in force, this means the SIT will not process any claims or payments to the insured member and/or dependent or their nominee.
+
+
+---
+
+
+
+### When will I receive the policy document/certificate after purchasing a product under the MPP?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The policy/certificate document will be generated automatically and can be found in 'My Protection Plan(s)' (e-Policy/ e-Certificate). However, the policy/certificate document will be available in the e-Policy/ e-Certificate subject to the period set (SLA) by the SIT.
+
+
+---
+
+
+
+### What can I do if I am dissatisfied with the way my claim is being handled?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The Ombudsman for Financial Services and BNM Laman Informasi Nasihat dan Khidmat (BNMLINK) are set up to offer customer protection and help to resolve any dispute over claims. If you/your nominee(s) are not satisfied with the claim decision made by the respective ITO, you/your nominee(s) may write to the following address:
+
+**Ombudsman for Financial Services**  
+ (*formerly known as Financial Mediation Bureau*)  
+ Level 14, Main Block,  
+ Menara Takaful Malaysia,  
+ No. 4, Jalan Sultan Sulaiman,  
+ 50000 Kuala Lumpur.  
+ Tel: 03-2272 2811  
+ Fax: 03-2272 1577  
+ Website: www.ofs.org.my
+
+**Director**  
+ Jabatan LINK & Pejabat Wilayah  
+ Bank Negara Malaysia,  
+ P.O. Box 10922,  
+ 50929 Kuala Lumpur.  
+ Tel: 1-300-88-5465  
+ Fax: 03-2174 1515  
+ E-mail: [[email protected]](/cdn-cgi/l/email-protection)
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+19+-+Healthcare+Planning.png/21d85f6b-f524-b43a-7e9d-aa05d4cae18e?t=1712216682635)
+
+LIFESTYLE
+
+Managing Health Expenses: Getting to Know EPF’s Health Withdrawal Facility](https://www.kwsp.gov.my/en/w/article/epf-health-withdrawals) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/RAWAFA-Article-Image.webp/9035d864-ce39-2657-d1e5-02fed6be33c1?t=1714518879928)
+
+ACCOUNT
+
+Answering All Your Qs About EPF's Account 3](https://www.kwsp.gov.my/en/w/article/epf-account-3-info) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+17+-+Simpanan+Shariah_New.jpg/55adb65b-cbad-8291-1925-e1794d6784d4?t=1709776397211)
+
+PERSONAL FINANCE
+
+Make Simpanan Shariah Your Choice of Retirement Planning](https://www.kwsp.gov.my/en/w/article/simpanan-shariah-retirement) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_kesihatan_penyakit-kritikal.md

@@ -0,0 +1,1194 @@
+
+
+Health Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Health Withdrawal
+
+![](/documents/d/guest/banner-member-health-critical-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+3. Critical Illness
+
+
+
+
+
+
+
+#### Health Withdrawal
+
+Supporting You & Your Family Through Medical Needs
+
+
+
+
+
+
+
+Medical advancements have extended lifespans and improved the quality of life for many. However, healthcare costs remain a major financial burden. ​​To help members facing medical challenges, the EPF allows partial withdrawals from Akaun Sejahtera. These withdrawals can be used to cover the costs of approved illnesses, healthcare equipment, and fertility treatments.
+
+
+
+
+
+Who Can Apply
+
+
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+Have savings in Akaun Sejahtera
+
+
+
+
+
+
+
+
+
+
+Additional Requirements
+
+
+![icon card](/documents/d/guest/myidaman-icons-11?download=true)
+
+Medical costs are not fully covered by employer
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-1-5?download=true)
+
+Illness/ medical aid equipment are approved by the EPF \*
+
+
+
+
+![icon card](/documents/20119/44053/MyIdaman%20Icons-2.png/780eb38f-72d7-bd49-8eaa-cafa1655daaa?t=1701084624450&download=true)
+
+Not receiving alternative treatments
+
+
+
+
+
+
+\*All medical equipment and/ or medication prescribed for use by doctors (in writing) is eligible for health withdrawal and subject to ilnesses, approved by the EPF.
+
+
+
+
+
+
+
+
+Who Is Eligible To Be Funded
+
+* Yourself
+
+
+
+
+* Your spouse
+
+
+
+
+* Your children (biological, adopted, step)
+
+
+
+
+
+
+* Your parents (biological, adopted, step, in-laws)
+
+
+
+
+* Your siblings (biological)
+
+
+
+
+
+
+
+
+
+
+
+
+
+What's Covered
+
+
+## Critical Illness - What's Covered
+
+
+
+
+### Cardiovascular System
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Arrhythmia Requiring Device Insertion (Pacemaker/Defibrillator)
+* Cardiomyopathy/Heart Failure
+* Congenital Heart Disease
+* Constrictive Pericarditis
+* Coronary Artery Disease/Ischaemic Heart Disease
+* Heart Attack/Myocardial Infarction
+* Heart Block Requiring Surgical Intervention/Pacemaker/Battery Implant
+* Heart Valve Replacement/Valvular Heart Disease Requiring Replacement
+* Peripheral Vascular Disease
+* Surgery to Aorta/Diseases of the Aorta Requiring Surgery
+
+
+### Endocrine/Medical
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Epilepsy & Movement Disorders Requiring Deep Brain Stimulation or Surgery
+* Guillain-Barré Syndrome Requiring
+* Morbid Obesity or Obesity with Multiple Medical Complications and Life Threatening Requiring Bariatric Surgery
+* Pituitary Tumors
+* Sepsis with One or More Major Organ Failure
+* Type 1 Diabetes with Criteria for Insulin Pump Therapy
+
+
+### Gastroenterology/Hepatology
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Chronic Inflammatory Bowel Disease
+* Chronic Liver Disease
+* Fulminant Viral Hepatitis
+* Pulmonary Hypertension
+
+
+### Genitourinary System
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Congenital Urinary Abnormalities Requiring Urgent and Major Surgical Intervention
+* Chronic Kidney Disease/Failure
+* Medullary Cystic Disease
+* Renal Calculi Requiring Surgical Intervention
+
+
+### Hematology
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Aplastic Anaemia
+* Haemophilia (Moderate to Severe - Factor Activity <5%)
+* Hematological Malignancies – Leukemia, Multiple Myeloma (Acute or Chronic Leukemia Diagnosed by Physician
+* Hematopoietic Stem Cell Transplantation
+* Idiopathic Thrombocytopenic Purpura (ITP) - Thrombocytopenia Refractory to Convention Steroid Treatment (1st Line Treatment)
+* Lymphoma
+* Myeloproliferative Disorders Requiring Blood Transfusion and/or Chelating Agents
+* Thalassemia Major Requiring Chelating Agent
+
+
+### Nervous System
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Alzheimer's Disease
+* Apallic Syndrome
+* Benign Tumor Of Brain
+* Cerebral Palsy
+* Coma
+* Encephalitis
+* Loss Of Speech
+* Major Head Trauma
+* Meningitis
+* Motor Neuron Disease
+* Multiple Sclerosis
+* Muscular Dystrophy
+* Paralysis
+* Parkinson's Disease
+* Poliomyelitis
+* Stroke
+* Total Permanent Disability
+
+
+### Ophthalmology
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Advanced Diabetic Eye Disease - Diagnosed by Specialist
+* Age Related Macular Degeneration (Armd)/Polypoidal Choroidal Vasculopathy (PCV)
+* Blindness
+* Cataract Requiring Surgery (Intraocular Lens – IOL)
+* Corneal Disorders Requiring Corneal Surgery (Corneal Transplant) – Diagnosed by Specialist
+* Enopthalmic Socket - Diagnosed by Specialist
+* Glaucoma Requiring Surgery with Glaucoma Implant
+* Retinal Vascular Disease - Diagnosed by Specialist
+
+
+### Orthopedic
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Gangrene/Necrotizing Fasciitis Requiring Amputation
+* Knee Injury Requiring Surgery/Implant/Graft
+* Osteoarthritis Requiring Surgery/Implant
+* Prolapse Intervertebral Disc with Significant Neurological Deficit Requiring Surgery
+* Shoulder Injury with Instability/Function Compromised Requiring Surgery/Implant/Graft
+* Spinal Stenosis with Significant Neurological Symptoms/Deficit Requiring Surgery
+* Unstable Spine Fractures/Trauma Requiring Surgery and Implant/Rehab Equipment
+
+
+### Respiratory System
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Bronchiectasis
+* Chronic Lung Disease
+* Lung Fibrosis
+* Obstructive Sleep Apnea
+* Secondary Pulmonary Hypertension
+* Severe Chronic Obstructive Pulmonary Disease (COPD) / Emphysema
+
+
+### Under 16 Child Illnesses
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Congenital Diseases Requiring Medical or Surgical Intervention Treated by Specialist Intellectual
+* Impairment Due to Accident or Sickness
+* Leukemia
+* Severe Asthma
+
+
+### Mental Illness
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Bipolar Mood
+* Major Depression
+* Schizophrenia
+
+
+### Musculoskeletal System
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Systemic Lupus Erythematosus (SLE) with Major Organ Involvement
+* Systemic Sclerosis/Scleroderma with Functional Impairment and/or Major Organ Involvement
+* Rheumatoid Arthritis/ Arthritis of any joint with Deformities requiring Surgery/Orthosis
+
+
+### Rheumatology
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Ankylosing Spondylitis Active Disease with Functional Impairment and/or Disability
+* Chronic Tophaceous Gout with Functional Impairment and/or Disability
+* Psoriatic Arthritis Active Disease with Functional Impairment and/or Disability
+* Rheumatoid Arthritis/ Arthritis of any joint with Deformities requiring Surgery/Orthosis
+
+
+### Other Diseases
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* AIDS/HIV
+* Deafness
+* Loss of Independent Existence
+* Major Burns
+* Major Organ Transplant
+* Terminal Illness
+
+
+### Cancer
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All stages
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Categories
+
+* Individual withdrawal
+
+
+
+
+* Joint withdrawal with approved family members
+
+
+
+
+
+
+
+
+
+
+
+What You Can Withdraw
+
+ Tab 1  
+
+* Individual Withdrawal
+* Joint Withdrawal
+
+
+Actual medical cost\*  
+ OR  
+ Entire savings in Account 2  
+ (whichever is lower)
+
+
+
+
+
+
+Applied amount  
+ OR  
+ Applicant's entire savings in Account 2  
+ OR  
+ Balance treatment cost after deducting the amount withdrawn by other applicants  
+ (whichever is lower)
+
+
+
+
+
+
+
+
+
+
+
+
+*\*If the medical cost has been partially covered by the member’s/ patient’s employer, you may only withdraw the remaining balance of the medical cost that was not covered.*
+
+
+
+
+
+
+
+
+
+
+Payment Options
+
+#### Payment to Member
+
+
+
+
+
+* If medical costs have been paid
+
+
+
+
+
+
+
+
+#### Payment to Local Medical Institution
+
+
+
+
+
+* If medical costs are still outstanding
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+What You Need
+
+* MyKad OR Original Identification Document
+
+
+
+
+* Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/Form_KWSP_3_Pindaan.pdf/f56418fe-57e2-3184-3a59-5593e20920e7?t=1704610330127) – for mail submissions/ failed thumbprint verification
+
+
+
+
+
+
+* Outpatient Bill/ Final Bill AND Original Receipt from Medical Institution (if payment has been paid)
+
+
+
+
+* Confirmation letter from the member’s and/ or approved family member’s employer stating the medical cost coverage (if applicable)
+
+
+
+
+* [Medical Report - Critical Illness LPP-1](/documents/d/guest/laporan-perubatan-penyakit-kritikal-lpp1-apr2020-fillable-pdf?preview)
+
+
+
+
+
+
+* Proof of relationship between applicant and patient (If the applicant is not a patient)
+
+
+
+
+
+
+
+
+Note: [Form KWSP 9D (AHL)](/documents/d/guest/form_kwsp_9d_ahl_bm) & Copy of identification documents/ MyKad is required for submission via mail or representative.
+
+
+
+
+
+
+
+
+
+Additional Documents Required
+
+#### Local Medical Institutions
+
+
+
+
+  
+ **1. Proof of illness**  
+   
+ Original medical report from the medical institution  
+   
+ **[View Medical Report Sample - Critical Illness LPP-1](/documents/d/guest/laporan-perubatan-penyakit-kritikal-lpp1-apr2020-fillable-pdf)**  
+   
+ Complete with the patient’s details of illness, effects if left untreated, medical institution’s stamp, attending doctor’s signature, stamp, designation and discipline (not more than one year from the date of withdrawal application).
+
+---
+
+**2. Proof of Payment**  
+ Actual medical bills  
+ AND  
+ Original payment receipts issued by the medical institution (for reimbursement)  
+   
+ Not more than one (1) year from application date and if the payment receipt is not in the applicant's name, an authorisation letter from the payer is required.
+
+---
+
+**3. Proof of Identity**  
+ Patient's Identification documents\*  
+   
+ \*If the applicant is not the patient
+
+---
+
+**4. Employer's Letter of Confirmation**  
+ Sponsorship confirmation letter from applicant's / patient's employer (if employed)  
+
+| Patient | Employment Status | Employer's Letter of Confirmation |
+| --- | --- | --- |
+| i) Member | Employer | Member |
+| ii) Children | Mother/ Father Employed | Mother's AND Father's |
+| iii) Husband/ Wife | Husband/ Wife Employed | Patient's AND Spouse's |
+| iv) Parent | Children/ Mother/ Father Employed | Applicant's/ Mother/ Father's |
+| v) Siblings | Employed | Patient's, Applicant's AND Mother's/ Father's |
+
+---
+
+**5. Proof of Relationship\***  
+ Marriage Certificate/ Birth Certificate/ Adoption papers from the National Registration Department (if adopted)  
+ Whichever is applicable  
+   
+ \*If the applicant is not the patient
+
+---
+
+**6. [Appendix Billing/ Invoice and Payment Receipt](/documents/d/guest/lampiran_a2_format_lampiran_resit_pengeluaran_kesihatan_08082019-pdf?preview)**
+
+---
+
+**7. [Letter of Payment Confirmation on Treatment Cost and Authorization to apply for withdrawal](/documents/d/guest/surat_kebenaran_pembayar__pengeluaran_kesihatan_08082019-pdf?preview)**
+
+
+
+
+
+---
+
+
+
+
+
+
+#### Overseas Medical Institution
+
+
+
+
+  
+ **1. Proof of illness**  
+   
+ Original medical report from the medical institution  
+   
+ **[View Medical Report Sample - Critical Illness LPP-1](/documents/d/guest/laporan-perubatan-penyakit-kritikal-lpp1-apr2020-fillable-pdf)**  
+   
+ Complete with the patient’s details of illness, effects if left untreated, medical institution’s stamp, attending doctor’s signature, stamp, designation and discipline (not more than one year from the date of withdrawal application).
+
+---
+
+**2. Proof of Payment**  
+ Actual medical bills  
+ AND  
+ Original payment receipts issued by the medical institution (for reimbursement)  
+   
+ Not more than one (1) year from application date and if the payment receipt is not in the applicant's name, an authorisation letter from the payer is required.
+
+---
+
+**3. Proof of Identity**  
+ Patient's Identification documents\*  
+   
+ \*If the applicant is not the patient
+
+---
+
+**4. Employer's Letter of Confirmation**  
+ Sponsorship confirmation letter from applicant's / patient's employer (if employed)  
+
+| Patient | Employment Status | Employer's Letter of Confirmation |
+| --- | --- | --- |
+| i) Member | Employer | Member |
+| ii) Children | Mother/ Father Employed | Mother's AND Father's |
+| iii) Husband/ Wife | Husband/ Wife Employed | Patient's AND Spouse's |
+| iv) Parent | Children/ Mother/ Father Employed | Applicant's/ Mother/ Father's |
+| v) Siblings | Employed | Patient's, Applicant's AND Mother's/ Father's |
+
+---
+
+**5. Proof of Relationship\***  
+ Marriage Certificate/ Birth Certificate/ Adoption papers from the National Registration Department (if adopted)  
+ Whichever is applicable  
+   
+ \*If the applicant is not the patient
+
+---
+
+**6. [Appendix Billing/ Invoice and Payment Receipt](/documents/d/guest/lampiran_a2_format_lampiran_resit_pengeluaran_kesihatan_08082019-pdf?preview)**
+
+---
+
+**7. [Letter of Payment Confirmation on Treatment Cost and Authorization to apply for withdrawal](/documents/d/guest/surat_kebenaran_pembayar__pengeluaran_kesihatan_08082019-pdf?preview)**
+
+
+
+
+
+[Medical Report Sample - Critical Illness LPP-1](/documents/d/guest/laporan-perubatan-penyakit-kritikal-lpp1-apr2020-fillable-pdf?preview)
+
+
+
+
+
+[Apply For Manual Withdrawal](/documents/d/guest/form_kwsp_9d_ahl_bm)
+
+
+
+
+
+
+
+
+
+
+
+## Healthcare Protection - PM\_IR (Critical Illness)
+
+
+
+
+### Payment Methods
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**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 number matches the bank records*)
+* If payment to your account is unsuccessful, you will be issued a Bankers Cheque
+
+**Overseas Payments**
+
+* Full payment will be made via Foreign Demand Draft in the currency of your choice  
+   (*If your preferred currency is included in our list of approved currencies*)
+* Full payment will be made via Foreign Demand Draft in US Dollars  
+   (*If your preferred currency is not available on our approved list*)
+
+
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+**1. 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](/en/corporate/business-partners)
+
+**2. 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](/corporate/panel-institutions)
+
+**3. Submit to EPF**
+
+Send your completed submissions at your nearest EPF Office or mail it to the EPF.
+
+[Find EPF Near You](/corporate/connect-with-us)
+
+**Post to EPF:**  
+   
+ JABATAN PENGURUSAN TRANSAKSI  
+ Menara KWSP  
+ No.1 Persiaran Kwasa Utama,  
+ Kwasa Damansara, Seksyen U4,  
+ 40150 Shah Alam,  
+ Selangor.
+ 
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+14+-+Work+Life+Balance.png/5b310582-cb59-a8ca-7936-e81faaee384e?t=1702010646427)
+
+CAREER
+
+The Realities of Work-Life Balance](https://www.kwsp.gov.my/en/w/article/work-life-balance) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+11+-+Emergency+Savings.png/57fd0387-8590-5d84-9e86-29365c2bb09d?t=1702010646016)
+
+PERSONAL FINANCE
+
+Emergency Fund: Why You Need One](https://www.kwsp.gov.my/en/w/article/emergency-fund) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)
+
+LIFESTYLE
+
+Being Healthy: What It Means To You](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+19+-+Healthcare+Planning.png/21d85f6b-f524-b43a-7e9d-aa05d4cae18e?t=1712216682635)
+
+LIFESTYLE
+
+Managing Health Expenses: Getting to Know EPF’s Health Withdrawal Facility](https://www.kwsp.gov.my/en/w/article/epf-health-withdrawals) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_pengeluaran-rumah_ansuran-bulanan.md

@@ -0,0 +1,885 @@
+
+
+Housing Loan Instalment Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Housing Loan Instalment Withdrawal
+
+![](/documents/d/guest/banner-member-housing-loan-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+3. Housing Loan Monthly Instalment Withdrawal
+
+
+
+
+
+
+
+#### Housing Loan Monthly Instalment Withdrawal
+
+Ease Your Home Loan Repayments​
+
+
+
+
+
+
+
+Paying the monthly instalments for a housing loan is no easy feat, especially for those of us with growing commitments. In an effort to ease the burden of homeowners, the EPF has introduced the Housing Loan Monthly Instalment Withdrawal. This allows you to make a withdrawal from your Akaun Sejahtera to cover your monthly housing loan instalments for a minimum period of six months or until your financial recovery, providing support when you find yourself in a tight spot financially.
+
+
+
+
+
+Who Can Apply
+
+## Requirements
+
+
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true)
+
+Malaysians & non-Malaysians
+
+(With PR status or registered as EPF Member before 1 Aug 1998)
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?download=true)
+
+Below 55 years of age upon application
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?download=true)
+
+Minimum balance of RM600 in Akaun Sejahtera
+
+
+
+
+![icon card](/documents/20119/44056/MyIdaman%20Icons-2.png/3b60c2d4-a5b1-05be-8d3b-8a8cd1063632?download=true)
+
+Bought/built a residential house\*
+
+
+
+
+![icon card](/documents/20119/44056/MyIdaman%20Icons-7.png/04ca8a71-57f4-4604-1699-91886996c5f0?download=true)
+
+You have an outstanding housing loan monthly instalment with an EPF approved loan providers recognised by the EPF\*\*
+
+
+
+
+![icon card](/documents/20119/44044/Withdrawal%20Icons.png/8fb4badc-e50f-01b7-2915-dd193b913921?download=true)
+
+Started paying monthly loan instalments
+
+
+
+
+
+
+
+
+
+
+*\*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.*
+
+
+
+
+
+
+
+
+
+
+# What You Can Withdraw
+
+
+
+
+
+| Individual Withdrawal | Joint Withdrawal |
+| --- | --- |
+| Total housing loan balance  OR  Entire savings in Akaun Sejahtera | Total housing loan balance  OR  Applicant’s entire savings in Akaun Sejahtera |
+
+  View 
+
+
+
+
+
+Whichever is lower but subject to a minimum monthly payment of RM100 for a period of six months\*  
+ *\*The maximum monthly payment amount to you and the joint applicant (if any) should not exceed the total monthly loan instalment.*
+
+
+
+
+
+
+
+
+
+
+What You Should Know
+
+* Withdrawal is limited to one household per member. Any subsequent withdrawals are permissible solely for the same household.
+
+
+
+
+* In the case of re-financing, the loan balance accounted for is based on the original housing loan payment from the first loan financier OR the latest loan balance, whichever is lower. If several financiers are involved, the loan redemption letter will be compared against the latest balance to determine the eligible withdrawal amount.
+
+
+
+
+* You can make a withdrawal to reduce/settle your housing loan balance AND to pay your monthly housing loan instalment simultaneously.
+
+
+
+
+* For subsequent withdrawals, you can apply as early as 30-days before your final monthly instalment payment.
+
+
+
+
+
+* You can apply for withdrawals within 30 days prior to the installment date. However, disbursement of withdrawal payments will commence only after the actual installment date.
+
+
+
+
+* The withdrawal amount will the taken from Akaun Sejahtera and will be placed into a Special Account for your monthly loan instalment payment and its dividend will be credited into your Akaun Sejahtera after the yearly dividend declaration.
+
+
+
+
+
+
+* Monthly instalment payments should not exceed 55 years of age.
+
+
+
+
+* EPF reserves the right to cancel your monthly payment withdrawal if your loan has been fully settled, your house has been sold/auctioned/it’s ownership transferred to another party or if you have been found guilty of fraud by submitting false documents/information.
+
+
+
+
+
+
+* Those with NPL status can apply for withdrawal, the payment will be paid straight into the housing loan account.
+
+
+
+
+
+
+
+
+
+
+
+
+What You Need
+
+## Documents
+
+
+
+
+* [Form KWSP 9P (AHL)](/documents/20119/44773/KWSP_9P_AHL.pdf/024e520c-7c5c-8e77-d004-d798c184fe24) (Non-MyKad holders only)
+
+
+
+
+* Copy of identification documents with original for verification (Non-MyKad holders only).
+
+
+
+
+* Passbook or copy of your bank account statement
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245) - For mail submissions/failed thumbprint verification.
+
+
+
+
+
+* [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0) as per EPF format OR Balance statements from LPPSA (Valid for 1 month [LPPSA 3 month] from date of issuance)\*
+
+
+
+
+* Sale and Purchase Agreement/ Proof of Housing Loan Monthly Instalment/ Surrender of Ownership (Housing Loan Monthly Instalment Form & Title Deed/ Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete.
+
+
+
+
+
+
+
+*\*Applies to first and subsequent withdrawals, with or without re-financing. In the case of multiple re-financing, you are required to produce all Loan Approval and Debt Redemption letters from the previous financier.*
+
+
+
+
+
+
+
+
+
+[###### e-Withdrawal Straregic Partner](/corporate/panel-institutions)
+
+[###### Withdraw Via KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+
+[###### Apply For Manual Withdrawal](/documents/20119/44773/KWSP_9P_AHL.pdf/024e520c-7c5c-8e77-d004-d798c184fe24)
+
+
+
+
+
+
+Cancellation
+
+
+## Monthly Instalment Cancellation Accordion
+
+
+
+
+### Withdrawal Cancellation
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You just need to fill out the WDW004 Withdrawal Cancellation Application form. After cancellation, you can submit a new application to rearrange the amount or duration of monthly payments according to the balance in Account 2, not exceeding the existing loan balance. Cancellation can also be made through e-cancellation (i-Account Member).
+
+[Download Withdrawal Cancellation Form](/documents/20119/44773/WDW_004_Withdrawal%20Cancellation.pdf/fb81a08b-0ab8-0676-4d69-1943e58454eb)
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Monthly Installment Withdrawal Additional Info Accordion
+
+
+
+
+### Payment Method
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Direct Credit
+
+* Monthly payment in Ringgit Malaysia (RM) will be credited to your savings/current account
+* If you hold an active account with our panel bank and your identification number matches the bank records
+* You will be issued a Bankers Cheque If payment to your account is unsuccessful
+
+---
+
+Bankers Cheque
+
+* Monthly payment will be made via Bankers Cheque to the financial provider’s address as stated in your Housing Loan Balance Statement
+* If your loan is a non-performing loan (NPL)
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Monthly Installment Brochure](/documents/20119/44779/Pengeluaran_Ansuran_Bulanan_11012017.pdf/ab431e23-d826-c066-38fd-f735469cb03c)
+5. **Reminder**  
+    To all members who have active Housing Loan Monthly Instalments Withdrawals  
+    If your withdrawal is still active, please refer to the link below.
+   
+   [Download Reminder](/documents/20119/44779/JPOP-Peringatan%20Ansuran%20Bulanan_BM_31102019.png/27f138e4-17a4-4b42-bddd-5072ca4791e0)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Housing Withdrawal FAQ Accordion
+
+
+
+
+### Why is thumbprint authentication necessary?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* By using [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or [web​ portal](https://iakaun.kwsp.gov.my/portal/member/login)
+* By visiting any nearby EPF offices
+
+---
+
+
+
+### Where can members perform the thumbprint verification and submit the supporting documents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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.
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article28_cover.webp/afa76b60-eba8-ad5a-9c45-fd4fdf3913c2?t=1722552534385)
+
+PERSONAL FINANCE
+
+BNPL: Buy First Think Later](https://www.kwsp.gov.my/en/w/article/buy-first-think-later) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)
+
+HOUSING
+
+Now Everyone Can Own a Home with EPF](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/RAWAFA-Article-Image.webp/9035d864-ce39-2657-d1e5-02fed6be33c1?t=1714518879928)
+
+ACCOUNT
+
+Answering All Your Qs About EPF's Account 3](https://www.kwsp.gov.my/en/w/article/epf-account-3-info) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_pengeluaran-rumah_beli-rumah.md

@@ -0,0 +1,1216 @@
+
+
+Buy House Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Buy House Withdrawal
+
+![](/documents/d/guest/banner-member-housing-buy-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+3. 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
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+Minimum balance of RM500 in Akaun Sejahtera
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-10?download=true)
+
+Purchasing residential house\*
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-1-4?download=true)
+
+Approved loan from recognised lenders\*\* OR self-financed
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-1?download=true)
+
+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
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+Minimum balance of RM500 in Akaun Sejahtera​
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-10?download=true)
+
+Purchasing residential house\*
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-1-4?download=true)
+
+Approved loan from recognised lenders\*\* OR self-financed
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-1?download=true)
+
+Never made a housing withdrawal/ have made housing withdrawal before but have sold/ disposed of 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
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age upon application
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+Minimum balance of RM500 in Akaun Sejahtera​​
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-10?download=true)
+
+Bought/built a residential house\*
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-1-4?download=true)
+
+Approved loan from recognised lenders\*\* OR self-financed
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-1?download=true)
+
+Never made a housing withdrawal/ have made housing withdrawal before but have sold/ disposed of 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.*
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+# Categories
+
+
+
+
+
+* Individual withdrawal
+
+
+
+
+
+* Joint withdrawal with your spouse/family member
+
+
+
+
+
+
+
+
+
+
+
+
+# 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) |
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+# What You Need
+
+
+
+
+#### Documents
+
+
+
+
+* [Form KWSP 9C (AHL) and Checklist](/documents/d/guest/kwsp_9c_ahl_d5-1)
+
+
+
+
+
+* 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)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Purchase  
+    Sales and Purchase Agreement  
+    **OR**  
+    Proclamation of Sale from Administrator/ Court  
+      
+    *(Not more than 3 years from date of application)*
+
+---
+
+2. 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*
+
+---
+
+3. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Purchase  
+    Sales and Purchase Agreement  
+    **OR**  
+    Proclamation of Sale from Administrator/ Court  
+      
+    *(Not more than 3 years from date of application)*
+
+---
+
+2. 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.
+
+---
+
+3. 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)*
+
+---
+
+4. 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
+
+---
+
+5. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Purchase  
+    Sales and Purchase Agreement  
+    **OR**  
+    Proclamation of Sale from Administrator/Court  
+      
+    *(Not more than 3 years from date of application)*
+
+---
+
+2. 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*
+
+---
+
+3. 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
+4. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Purchase  
+    Sales and Purchase Agreement  
+    **OR**  
+    Proclamation of Sale from Administrator/Court  
+      
+    *(Not more than 3 years from date of application)*
+
+---
+
+2. 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.
+
+---
+
+3. Proof of Payment  
+    Receipt of payment of no less than 20% of the property price.
+
+---
+
+4. 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
+
+---
+
+5. 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
+6. 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
+
+
+
+
+* [e-Pengeluaran Strategic Partner](https://www.kwsp.gov.my/en/corporate/business-partners)
+* Withdraw via [KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+* Apply for [Manual Withdrawal](https://www.kwsp.gov.my/documents/d/guest/kwsp_9c_ahl_d5-1)
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Buy House Withdrawal Additional Info Accordion
+
+
+
+
+### Payment Method
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Local Payments
+
+1. 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
+2. You will be issued a Bankers Cheque  
+    If payment to your account is unsuccessful
+
+---
+
+Overseas Payments
+
+1. Full payment in your preferred currency will be made through Foreign Demand draft  
+    If your preferred currency is in the accepted currency list
+2. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF office or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Brochure](/documents/d/guest/pengeluaran_membeli_rumah_11012017)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Housing Withdrawal FAQ Accordion
+
+
+
+
+### Why is thumbprint authentication necessary?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* By using [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or [web​ portal](https://iakaun.kwsp.gov.my/portal/member/login)
+* By visiting any nearby EPF offices
+
+---
+
+
+
+### Where can members perform the thumbprint verification and submit the supporting documents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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.
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)
+
+HOUSING
+
+Now Everyone Can Own a Home with EPF](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+24+-+Financial+Milestone_small.png/923bdf3b-d96f-7fa1-3a35-9841f1fddbd8?t=1720274907679)
+
+PERSONAL FINANCE
+
+Financial Milestones To Achieve Before Turning 30](https://www.kwsp.gov.my/en/w/article/achieve-money-goal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/0/Working+Mom-13.webp/6674dfb2-6951-e3f7-9754-032066b4c55e?t=1724337850428)
+
+CAREER
+
+Workplace Benefits For Working Moms](https://www.kwsp.gov.my/en/w/article/workplace-benefits-for-moms) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_pengeluaran-rumah_bina-rumah.md

@@ -0,0 +1,1763 @@
+
+
+Build House Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Build House Withdrawal
+
+![](/documents/d/guest/banner-member-housing-build-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+3. Build House Withdrawal
+
+
+
+
+
+
+
+#### Build House Withdrawal
+
+Build Your Dream Home
+
+
+
+
+
+
+
+Building a house is a significant financial commitment. In order to support you in realising your dream home, we provide the flexibility for you to withdraw savings from your Akaun Sejahtera to finance the construction of your new home.
+
+
+
+
+
+
+# Who Can Apply
+
+
+
+
+* With Land Purchase
+* On Owned Land
+
+#### Requirements
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+Minimum balance of RM500 in Akaun Sejahtera
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-10?download=true)
+
+You/ your spouse are purchasing a land and building a house\* 
+
+
+
+
+![icon card](/documents/20119/44050/Approved%20Document.png/9541c628-9324-6dbc-3c78-27a1178bef3c?t=1701084666013&download=true)
+
+Approved loan  
+ from recognised lenders\*\*  
+ OR self-financed
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-1?download=true)
+
+Never made a Housing Withdrawal/ have made a Housing Withdrawal before but have sold/ disposed of the property
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-4-1?download=true)
+
+Construction Agreement is dated less than three (3) years from the date of withdrawal application
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+*\*The cost of the land purchase will be taken into account if the Land Purchase Agreement is within two (2) years of the Construction Agreement  
+ \*\*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 Cooperative/Cooperative bodies (approved by SKM); Insurance Companies licensed by Bank Negara; or other EPF recognised loan providers.*
+
+
+
+
+
+### Additional Documents For 1st or 2nd House
+
+
+
+
+
+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
+
+
+
+
+## Build House Land Purchase (Additional Documents) 1st House Accordion
+
+
+
+
+### Loan
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Financing  
+    Housing Loan Approval Letter  
+    **OR**  
+    Housing Loan Approval Letter\* AND Housing Loan Agreement/ Mortgage Form 16A/ Deed of Assignment/ Title Deed in the name of the member  and charged to the loan provider  
+    *\*If loan approval has exceeded one year*
+
+---
+
+2. Proof of Ownership  
+      
+    Land Purchase Agreement\*  
+    AND  
+    Land Title Deed/ Land Search (Catatan Carian Rasmi) in member/ spouse’s name  
+    *\*The agreement date does not exceed 2 years with the House Construction Agreement*
+
+---
+
+3. Proof of Construction  
+      
+    Construction Agreement under member/ spouse's name or both (for joint builds)  
+    **OR**  
+    Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp  
+    *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+4. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority  
+    **OR**  
+    complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/ Head of Village/ Village Committee members  
+    AND  
+    Home construction site plan
+
+---
+
+5. Proof of Relationship  
+    Marriage Certificate  
+    *If the agreement is under spouse's name*
+
+---
+
+
+
+### Self-Financing
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Ownership
+   
+     
+    Land Purchase Agreement\*   
+    (\*i*f the date of the agreement is within 2 years from the date of the House Construction Agreement*)  
+    **AND**  
+    Land Title Deed/Land Search\*\* (Catatan Carian Rasmi) in member/spouse’s name  
+    (\*\**if the agreement is under spouse's name, please produce proof or relationship*)
+
+---
+
+2. Proof of Construction  
+      
+    Construction Agreement under member/ spouse's name or both (for joint builds)   
+    **OR**  
+    Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp  
+    *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+3. Proof of Payment  
+      
+    Receipt of payment of no less than 20% of the construction cost  
+      
+    i. Purchase receipt/ bill of building materials  
+    **OR**  
+    ii. Receipt of labour cost for build  
+    **OR**  
+    iii. Confirmation of payment from contractor  
+      
+    *(All proof must be dated not more than 3 years from application date)*
+
+---
+
+4. Proof of Construction  
+    Architect’s Certificate/ Payment Request Letter\* for construction progress of no less than 20%  
+    *\*Construction by certified contractor and architect*
+
+---
+
+5. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority  
+    **OR**  
+    complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/ Head of Village/ Village Committee members **AND** building plan **AND** home construction site plan
+
+---
+
+6. Proof of Location  
+    Location plan of said construction  
+      
+    *(only for houses that are built outside the municipal council’s jurisdiction)*
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 2nd House
+
+
+
+## Build House Land Purchase (Additional Documents) 2nd House Accordion
+
+
+
+
+### Loan
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Financing  
+    Housing Loan Approval Letter  
+    **OR**  
+    Housing Loan Approval Letter\*  
+    AND Housing Loan Approval Letter\* AND Housing Loan Agreement/ Mortgage Form 16A/ Deed of Assignment/ Title Deed in the name of the member  and charged to the loan provider   
+    *\*If loan approval has exceeded one year*
+
+---
+
+2. Proof of Ownership  
+    Land Purchase Agreement\*  
+    AND  
+    Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name  
+      
+    *\*If the agreement is under spouse's name, please produce proof or relationship*
+
+---
+
+3. Proof of Construction  
+    Construction Agreement under member/spouse's name or both (for joint builds)   
+    **OR**
+   
+   Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
+   
+   *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+4. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority  
+    OR  
+    Complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members AND home construction site plan
+
+---
+
+5. Proof of Relationship  
+    Marriage Certificate  
+    OR  
+    Birth Certificate  
+    Construction together with close family members (husband/wife/parents/parents-in-law/step-parents/adoptive parents/children/stepchildren/adopted children/siblings)
+
+---
+
+6. Proof of Disposal  
+    Proof of Sale/Disposal of first house
+
+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** Transfer of ownership by Court Order to any party **AND** divorce documents (for divorce cases); **OR**
+8. 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**
+9. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; **OR**
+10. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; **OR**
+11. Deed of Revocation or Deed of Rescission for the first house; **OR** Confirmation of Cancellation Letter from the developer / lawyer; **OR**
+12. 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**
+13. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Payment  
+    Receipt of payment of no less than 20% of the construction cost  
+    OR  
+    Purchase receipt/bill of building materials  
+    OR  
+    Receipt of labour cost for build  
+    OR  
+    Confirmation of payment from contractor  
+      
+    *(All proof must be dated not more than 3 years from application date)*
+
+---
+
+2. Proof of Ownership  
+    Land Purchase Agreement\*  
+    **AND**
+   
+   Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name
+   
+   *If the date of the agreement is within 2 years from the date of the House Construction Agreement.*
+
+---
+
+3. Proof of Construction  
+    Construction Agreement under member/spouse's name or both (for joint builds)  
+    **OR**
+   
+   Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
+   
+   *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+4. Proof of Approval  
+      
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority  
+    OR  
+    Complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members  
+    AND  
+    home construction site plan
+
+---
+
+5. Proof of Construction (2)  
+    Architect's Certificate/Payment Request Letter indicating that the construction stage is not less than 20%
+
+---
+
+6. 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*
+
+---
+
+7. Proof of Sale/Disposal of first house
+
+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** Transfer of ownership by Court Order to any party **AND** divorce documents (for divorce cases); **OR**
+8. Transfer of property through a Court Order to any party AND divorce certificate (in cases of divorce); 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).
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### Land Purchase & House Build As A Package
+
+
+
+## Build House Land Purchase (Additional Documents) Package Accordion
+
+
+
+
+### Loan
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Financing  
+    Housing Loan Approval Letter  
+    **OR**
+   
+   Housing Loan Approval Letter\* **AND**  
+    Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name
+   
+    *\*If loan approval has exceeded one year*
+
+---
+
+2. Proof of Construction  
+    Construction Agreement  
+    *(Dated not more than 3 years from date of application)*  
+    **AND**  
+    Land Sales and Purchase Agreement  
+    *(Dated within 6 months of the Construction Agreement)*
+
+---
+
+3. Proof of Ownership  
+    Land Title Deed with the seller/proprietor’s name
+
+---
+
+4. Letter from the Power of Attorney which has been registered at the Court\*  
+      
+    *\*If the land purchase and house construction are using the Power of Attorney*
+
+---
+
+5. 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*
+
+---
+
+6. Proof of Sale/Disposal of first house  
+    *(Only for those who are buying their second home)*
+
+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** Transfer of ownership by Court Order to any party **AND** divorce documents (for divorce cases);**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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Payment  
+    Receipt of payment of no less than 20% of the property price.  
+    Architect’s Certificate/Payment Request Letter\* for construction progress of no less than 20%  
+    **OR**  
+    Certificate of Fitness (CF)/Certificate of Occupation (CO)
+
+---
+
+2. Proof of Construction  
+    Construction Agreement  
+    *(Dated not more than 3 years from date of application)*  
+    **AND**
+   
+   Land Sales and Purchase Agreement  
+    *(Dated within 6 months of the Construction Agreement)*
+
+---
+
+3. Proof of Ownership  
+    Land Title Deed with the seller/proprietor’s name
+
+---
+
+4. Letter from the Power of Attorney which has been registered at the Court\*  
+      
+    \*If the land purchase and house construction are using the Power of Attorney
+
+---
+
+5. Proof of Verification  
+    Developer Confirmation Letter regarding cash purchase. Must contain information on the details of the property.
+
+---
+
+6. 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*
+
+---
+
+7. Proof of Sale/Disposal of first house  
+    *(Only for those who are buying their second home)*
+
+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** Transfer of ownership by Court Order to any party **AND** divorce documents (for divorce cases);**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).
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### Requirements
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+Minimum balance of RM500 in Akaun Sejahtera
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-4-1?download=true)
+
+Construction Agreement is dated less than three (3) years from the date of withdrawal application
+
+
+
+
+![icon card](/documents/20119/44050/Approved%20Document.png/9541c628-9324-6dbc-3c78-27a1178bef3c?t=1701084666013&download=true)
+
+Approved loan   
+ from recognised lenders\*\*  
+ OR self-financed
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-1?download=true)
+
+Never made a Housing Withdrawal/have made Housing Withdrawal before but have sold/disposed of the property
+
+
+
+
+![icon card](/documents/d/guest/scheme-registration-icons-2?download=true)
+
+You have built a house on a land owned by you/ spouse; OR Your spouse have built a house on a land owned by you; OR You have built a house on FELDA land or recognised government agency land; OR You have built a longhouse (for Sabah & Sarawak)\*
+
+
+
+
+
+
+
+
+
+
+#### 
+
+*\*The cost of the land purchase will be taken into account if the Land Purchase Agreement is within two (2) years of the Construction Agreement  
+ \*\*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.*
+
+
+
+
+
+### Additional Documents For 1st or 2nd House
+
+
+
+
+
+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
+
+
+
+
+## Build House Without Land Purchase (Additional Documents) 1st House Accordion
+
+
+
+
+### Loan
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Financing  
+    Housing Loan Approval Letter  
+    **OR**  
+    Housing Loan Approval Letter\* **AND**  
+    Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name  
+    *\*If loan approval has exceeded one year*
+
+---
+
+2. Proof of Ownership  
+      
+    Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name  
+      
+    *\*If the agreement is under spouse's name, please produce proof or relationship*
+
+---
+
+3. Proof of Construction  
+      
+    Construction Agreement under member/spouse's name or both (for joint builds)  
+    **OR**  
+    Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp  
+    *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+4. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority  
+    **OR**  
+    complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members **AND** home construction site plan
+
+
+### Self-Financing
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Ownership  
+    Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name  
+      
+    *\*If the agreement is under spouse's name, please produce proof or relationship*
+
+---
+
+2. Proof of Construction  
+      
+    Construction Agreement under member/spouse's name or both (for joint builds)   
+    **OR**  
+    Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp  
+    *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+3. Proof of Payment  
+      
+    Receipt of payment of no less than 20% of the construction cost  
+      
+    i. Purchase receipt/bill of building materials  
+    **OR**  
+    ii. Receipt of labour cost for build  
+    **OR**  
+    iii. Confirmation of payment from contractor  
+      
+    *(All proof must be dated not more than 3 years from application date)*
+
+---
+
+4. Proof of Construction  
+    Architect’s Certificate/Payment Request Letter\* for construction progress of no less than 20%  
+    *\*Construction by certified contractor and architect*
+
+---
+
+5. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority  
+    **OR**  
+    complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members **AND** building plan **AND** home construction site plan
+
+---
+
+6. Proof of Location  
+    Location plan of said construction  
+      
+    *(only for houses that are built outside the municipal council’s jurisdiction)*
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+#### 2nd House
+
+
+
+## Build House Without Land Purchase (Additional Documents)2nd House Accordion
+
+
+
+
+### Loan
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Purchase  
+    Housing Loan Approval Letter  
+    **OR**  
+    Housing Loan Approval Letter\* **AND**  
+    Housing Loan Agreement/Mortgage Form 16A/Deed of Assignment/Title Deed that is in member/spouse's name  
+    *\*If loan approval has exceeded one year*
+
+---
+
+2. Proof of Ownership  
+    Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name  
+      
+    *\*If the agreement is under spouse's name, please produce proof or relationship*
+
+---
+
+3. Proof of Construction  
+    Construction Agreement under member/spouse's name or both (for joint builds)   
+    **OR**
+   
+   Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
+   
+   *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+4. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority OR complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members **AND** home construction site plan
+
+---
+
+5. Proof of Sale/Disposal of first house
+
+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** Transfer of ownership by Court Order to any party **AND** divorce documents (for divorce cases); **OR**
+8. 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**
+9. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; **OR**
+10. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; **OR**
+11. Deed of Revocation or Deed of Rescission for the first house; **OR** Confirmation of Cancellation Letter from the developer / lawyer; **OR**
+12. 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**
+13. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Ownership  
+    Land Title Deed/Land Search (Catatan Carian Rasmi) in member/spouse’s name  
+      
+    *\*If the agreement is under spouse's name, please produce proof or relationship*
+
+---
+
+2. Proof of Construction  
+    Construction Agreement under member/spouse's name or both (for joint builds)   
+    **OR**
+   
+   Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp
+   
+   *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+3. Proof of Payment  
+      
+    Receipt of payment of no less than 20% of the construction cost  
+      
+    i. Purchase receipt/bill of building materials  
+    **OR**  
+    ii. Receipt of labour cost for build  
+    **OR**  
+    iii. Confirmation of payment from contractor  
+      
+    *(All proof must be dated not more than 3 years from application date)*
+
+---
+
+4. Proof of Approval  
+    Property under Municipal Council’s jurisdiction  
+    Approval Letter to build the house from the local authority OR complete building plan with the local authority’s approval  
+      
+    Property not under Municipal Council’s jurisdiction  
+    Confirmation letter for homes built outside the Municipal Council’s jurisdiction by the local authorities/Head of Village/Village Committee members **AND** building plan **AND** home construction site plan
+
+---
+
+5. Proof of Location  
+    Location plan of said construction  
+      
+    *(only for homes that are built outside the municipal council’s jurisdiction)*
+
+---
+
+6. Proof of Sale/Disposal of first house
+
+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** Transfer of ownership by Court Order to any party **AND** divorce documents (for divorce cases); **OR**
+8. 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**
+9. Confirmation letter from the authorities (Housing and Local Government Ministry / Municipal Councils / District Offices / Penghulu) for houses damaged by natural disasters; **OR**
+10. Confirmation letter from the Housing and Local Government Ministry / State Government for abandoned housing projects / troubled housing projects / ailing housing projects; **OR**
+11. Deed of Revocation or Deed of Rescission for the first house; **OR** Confirmation of Cancellation Letter from the developer / lawyer; **OR**
+12. 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**
+13. 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).
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+#### Build Longhouse/ House On Customary Land
+
+
+
+## Build House Without Land Purchase (Additional Documents) Long House Accordion
+
+
+
+
+### Self-financing
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Proof of Construction  
+    Construction Agreement under member/spouse's name or both (for joint builds)   
+    **OR**  
+    Letter of Oath – must include property details, home type, build start date and construction cost with RM10.00 revenue stamp  
+    *Construction Agreement date should not be more than 3 years from application*
+
+---
+
+2. Proof of Consent  
+    Letter of consent from the Head of Village/Tribe, acknowledged and endorsed by the Land Survey Department
+
+---
+
+3. Photo of member with the head of village/community taken in front of the house built
+
+---
+
+4. Proof of Payment  
+    Receipt of payment of no less than 20% of the construction cost  
+      
+    i.Purchase receipt/bill of building materials  
+    **OR**  
+    ii. Receipt of labour cost for build  
+    **OR**  
+    iii. Confirmation of payment from contractor  
+      
+    *(All proof must be dated not more than 3 years from application date)*
+
+---
+
+5. Proof of Location  
+    Location plan of said construction  
+      
+    *(only for houses that are built outside the municipal council’s jurisdiction)*
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+# Categories
+
+
+
+
+* Individual withdrawal
+
+
+
+
+
+* Joint withdrawal with your spouse/family member
+
+
+
+
+
+
+
+
+
+
+
+# What You Can Withdraw
+
+
+
+
+
+|  | Individual Withdrawal | Joint Withdrawal |
+| --- | --- | --- |
+| Housing Loan | Difference between house construction cost and approved loan amount + 10% of the construction cost OR Entire savings in Akaun Sejahtera (whichever is lower) | Difference between house construction cost and approved loan amount + 10% of the construction cost OR Applicant's entire savings in Akaun Sejahtera (whichever is lower) |
+| Self-Financing/ Cash | The construction cost + additional 10% OR Entire savings in Akaun Sejahtera (whichever is lower) | The construction cost + additional 10% OR Applicant's entire savings in Akaun Sejahtera (whichever is lower) |
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+# What You Need
+
+
+
+
+#### Documents
+
+
+
+
+* [Form KWSP 9C (AHL) and Checklist](/documents/d/guest/kwsp_9c_ahl_d5-1)
+
+
+
+
+
+* 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)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification
+
+
+
+
+* Construction Agreement (with member, spouse or joint name)
+
+
+
+
+
+
+
+
+#### References
+
+
+
+
+
+* [e-Pengeluaran Strategic Partner](https://www.kwsp.gov.my/en/corporate/business-partners)
+* Apply via [KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+* Apply for [Manual Withdrawal](https://www.kwsp.gov.my/documents/d/guest/kwsp_9c_ahl_d5-1)
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Build House Withdrawal Additional Info Accordion
+
+
+
+
+### Payment Method
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Local Payments
+
+1. 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
+2. You will be issued a Bankers Cheque  
+    If payment to your account is unsuccessful
+
+---
+
+Overseas Payments
+
+1. Full payment in your preferred currency will be made through Foreign Demand draft  
+    If your preferred currency is in the accepted currency list
+2. 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
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Brochure](/documents/d/guest/pengeluaran_membina_rumah_11012017)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Question
+ View
+
+Frequently Asked Question
+
+
+## Housing Withdrawal FAQ Accordion
+
+
+
+
+### Why is thumbprint authentication necessary?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* By using [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or [web​ portal](https://iakaun.kwsp.gov.my/portal/member/login)
+* By visiting any nearby EPF offices
+
+---
+
+
+
+### Where can members perform the thumbprint verification and submit the supporting documents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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.
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+3+-+Boost+Savings.png/4c238365-2ff6-31cb-776f-0dfd4dae522b?t=1702010645121)
+
+PERSONAL FINANCE
+
+Boost Your Savings with EPF Account](https://www.kwsp.gov.my/en/w/article/boost-your-savings) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+17+-+Simpanan+Shariah_New.jpg/55adb65b-cbad-8291-1925-e1794d6784d4?t=1709776397211)
+
+PERSONAL FINANCE
+
+Make Simpanan Shariah Your Choice of Retirement Planning](https://www.kwsp.gov.my/en/w/article/simpanan-shariah-retirement) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article25_cover_new.png/56f5303f-2fa6-5c0c-e458-f3d842ac2f62?t=1721117199527)
+
+PERSONAL FINANCE
+
+Understand The Impact Of Inflation On Savings](https://www.kwsp.gov.my/en/w/article/savings-and-inflation) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+26+Cover.webp/bf3a0205-9651-677a-3b7f-c1cadf3bc46d?t=1721379426711)
+
+PERSONAL FINANCE
+
+Retirement Planning Tips](https://www.kwsp.gov.my/en/w/article/retirement-planning-tips) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_pengeluaran-rumah_pembiayaan-fleksibel.md

@@ -0,0 +1,929 @@
+
+
+Flexible Housing Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Flexible Housing Withdrawal
+
+
+![](/documents/d/guest/banner-member-housing-flexible-webp?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+3. Flexible Housing Withdrawal
+
+
+
+
+
+
+
+#### Flexible Housing Withdrawal
+
+Boost Your Borrowing Power
+
+
+
+
+
+
+
+You can use your current and future EPF savings to help increase your eligibility limit for obtaining a housing loan from your financial institutions.
+
+
+
+
+
+How It Works
+
+* You set aside part of the savings in your Akaun Sejahtera to a Flexible Housing Withdrawal account.
+
+
+
+
+
+* When evaluating your loan eligibility, the financial institution considers your monthly EPF contribution as part of your income.
+
+
+
+
+* Higher loan eligibility means you can now afford the home you've always wanted!
+
+
+
+
+
+
+*\*The minimum savings period is one (1) year and ring fencing can only be used for one (1) house at a time. The maximum savings period is up to age 55, or subject to the date of your last housing loan or last day of ring fencing (whichever is earlier).*
+
+
+
+
+
+
+
+
+
+
+About Flexible Housing Withdrawal Account
+
+* The savings in this account cannot be used for Housing, Education, Health and Age 50 Withdrawal.
+  
+  \*The savings in your Akaun Sejahtera can still be used for the above purposes.
+
+
+
+
+* The money you've set aside into this account belongs to you, and will not be assigned to the financial institution.
+
+
+
+
+* You will still receive an annual dividend for the savings in this account but it will be credited to your Akaun Sejahtera.
+
+
+
+
+* You can withdraw the savings in this account once you have reached age 55 or in the case of Death, Incapacitation, Leaving The Country or Pensionable Employee Withdrawal.
+
+
+
+
+
+
+
+
+
+
+
+
+Who Can Apply
+
+## Requirements
+
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+
+Malaysians & Permanent Residents (PR)
+
+
+
+
+![icon card](/documents/d/guest/age-below-54?download=true)
+
+
+Below 54 years of age
+
+
+
+
+![icon card](/documents/20119/44056/MyIdaman%20Icons-2.png/3b60c2d4-a5b1-05be-8d3b-8a8cd1063632?t=1701084611756&download=true)
+
+
+Purchased/built a residential house\*
+
+
+
+
+![icon card](/documents/20119/44050/Approved%20Document.png/9541c628-9324-6dbc-3c78-27a1178bef3c?t=1701084666013&download=true)
+
+
+Have a housing loan with financial institutions approved by the EPF
+
+
+
+
+
+
+
+
+
+
+*\*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.*
+
+
+
+
+
+
+
+
+
+How to Apply
+
+### Step 1
+
+* Get verification from the financial institution on loan details, house purchase /building and ring fencing
+
+
+
+
+### Step 2
+
+* Send in your application and the required documents through the financial institution
+
+
+
+
+### Step 3
+
+* Flexible Housing Withdrawal must be applied together with Buy/Build House Withdrawal OR Reduce/Redeem Housing Loan Withdrawal
+
+
+
+
+
+
+
+
+
+
+
+What You Need
+
+## Documents
+
+
+
+
+The required documents may vary for first and subsequent applications. So, it is crucial to compile all the required documents to ensure a smooth application process. 
+
+
+
+
+#### 1st Application
+
+
+
+
+## Flexible Housing Documents 1st Withdrawal Accordion
+
+
+
+
+### Have not made any Housing Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* [Form KWSP 9C (AHL)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) and Checklist
+* Bank loan verification letter
+* Form KWSP 9Q (1)
+
+---
+
+
+
+### Have made a Housing Withdrawal but lost ownership of the house
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* [Form KWSP 9C (AHL)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) and Checklist
+* Bank loan verification letter
+* Document/Proof of Loss of property ownership
+* Form KWSP 9Q (1)
+
+---
+
+
+
+### Have made a Reduce/Redeem Housing Loan Withdrawal for spouse and/or Housing Loan Monthly Instalment Withdrawal
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* [Form KWSP 9C (AHL)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) and Checklist
+* Bank loan verification letter
+* Form KWSP 9Q (1)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### Subsequent Application
+
+
+
+## Flexible Housing Documents Subsequent Withdrawal Accordion
+
+
+
+
+### Same Property
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Form KWSP 9Q (2)
+* [Form KWSP 9C (AHL)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) and Checklist
+* Bank loan verification letter
+* Form KWSP 9Q (1)
+
+---
+
+
+
+### Different Property
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* [Form KWSP 9C (AHL)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) and Checklist
+* Bank loan verification letter
+* Document/Proof of Loss of property ownership
+* Form KWSP 9Q (1)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Cancellation
+
+
+## Flexible Housing Withdrawal Cancellation Accordion
+
+
+
+
+### Withdrawal Cancellation
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You have the option to stop contributing to your Flexible Housing Withdrawal Account once your ring fencing has exceeded the period of one (1) year, and upon the approval of the financial institution.  
+   
+ Ready to cancel? Just submit your application through the financial institution and they will forward it to the EPF.
+
+#### 
+
+#### What You Need
+
+1. For cancellation of withdrawal  
+    *- Form KWSP 9Q(2)*
+2. For re-application of Flexible Housing Withdrawal for the same property  
+    - *Form KWSP 9Q(1)*
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Flexible House Withdrawal Additional Info Accordion
+
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI   
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## Housing Withdrawal FAQ Accordion
+
+
+
+
+### Why is thumbprint authentication necessary?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* By using [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or [web​ portal](https://iakaun.kwsp.gov.my/portal/member/login)
+* By visiting any nearby EPF offices
+
+---
+
+
+
+### Where can members perform the thumbprint verification and submit the supporting documents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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.
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+17+-+Simpanan+Shariah_New.jpg/55adb65b-cbad-8291-1925-e1794d6784d4?t=1709776397211)
+
+PERSONAL FINANCE
+
+Make Simpanan Shariah Your Choice of Retirement Planning](https://www.kwsp.gov.my/en/w/article/simpanan-shariah-retirement) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+26+Cover.webp/bf3a0205-9651-677a-3b7f-c1cadf3bc46d?t=1721379426711)
+
+PERSONAL FINANCE
+
+Retirement Planning Tips](https://www.kwsp.gov.my/en/w/article/retirement-planning-tips) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+24+-+Financial+Milestone_small.png/923bdf3b-d96f-7fa1-3a35-9841f1fddbd8?t=1720274907679)
+
+PERSONAL FINANCE
+
+Financial Milestones To Achieve Before Turning 30](https://www.kwsp.gov.my/en/w/article/achieve-money-goal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article32-featured.webp/1746a750-a06e-68f9-ca12-de71f7b3f110?t=1724728214638)
+
+PERSONAL FINANCE
+
+Merdeka From Debt Burdens](https://www.kwsp.gov.my/en/w/article/financial-independence) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_pengeluaran-rumah_pinjaman-rumah.md

@@ -0,0 +1,1072 @@
+
+
+Reduce/ Redeem Housing Loan Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Reduce/ Redeem Housing Loan Withdrawal
+
+![](/documents/d/guest/banner-member-housing-reduce-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+3. Reduce/ Redeem Housing Loan Withdrawal
+
+
+
+
+
+
+
+#### Reduce or Redeem Housing Loan Withdrawal
+
+Speed Up Your House Ownership Journey
+
+
+
+
+
+
+
+You can make withdrawals from Akaun Sejahtera to reduce/redeem your housing loan balance or assist your spouse with paying off theirs.
+
+
+
+
+
+# Who Can Apply
+
+
+
+
+
+#### Requirements
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+Malaysians & Non-Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true)
+
+At least RM500 in Akaun Sejahtera
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-6?download=true)
+
+Bought/built first or second residential house\*
+
+
+
+
+![icon card](/documents/d/guest/scheme-registration-icons-2?download=true)
+
+Registered owner of the property
+
+(Self Withdrawal only)
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-1?download=true)
+
+Residential house has been charged as collateral
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-7-1?download=true)
+
+Have an outstanding housing loan with loan providers recognised by the EPF
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-1-4?download=true)
+
+Application can be made once a year from the last withdrawal date
+
+
+
+
+![icon card](/documents/20119/44050/Approved%20Document.png/9541c628-9324-6dbc-3c78-27a1178bef3c?t=1701084666013&download=true)
+
+Approved loan from recognised borrowers\*\* 
+
+
+
+
+
+
+
+
+
+
+*\*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 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 Cooperative/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.*
+
+
+
+
+
+
+#### Additional Requirements For Joint Withdrawal To assist Spouse
+
+
+
+
+
+* House is fully owned by spouse/jointly owned by member & spouse
+
+
+
+
+
+* Member's spouse is a borrower of the housing loan
+
+
+
+
+
+
+
+
+
+
+
+
+Categories
+
+* Individual withdrawal
+
+
+
+
+* Joint withdrawal with your spouse/family member
+
+
+
+
+
+
+
+
+
+
+
+
+What You Can Withdraw
+
+| Individual Withdrawal | Joint withdrawal |
+| --- | --- |
+| Total housing loan balance OR Entire savings in Akaun Sejahtera (whichever is lower but subject to min. RM500) | Total housing loan balance OR Applicant's entire savings in Akaun Sejahtera (whichever is lower but subject to min. RM500) |
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+# What You Need
+
+
+
+
+* Own's Loan
+* Aiding Spouse's Loan
+
+#### Documents
+
+##### With MyKad
+
+
+
+* MyKad
+
+
+
+
+
+* [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview)
+
+
+
+
+* Refinancing information\*
+
+
+
+
+
+
+* Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
+
+
+
+
+* Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse
+
+
+
+
+* [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house.
+
+
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification
+
+
+
+
+
+
+
+
+#### 
+
+##### Without MyKad
+
+
+
+
+* [Form KWSP 9C (AHL) (D8) and Checklist](/documents/d/guest/form_kwsp_9c_ahl_d8_bm)
+
+
+
+
+
+* Copy of identification documents with original for verification (Non-MyKad holders only)
+
+
+
+
+* Refinancing information\*
+
+
+
+
+
+
+* [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview)
+
+
+
+
+* Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
+
+
+
+
+* Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse
+
+
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification
+
+
+
+
+* [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house.
+
+
+
+
+
+
+
+*\*Applies to 1st and subsequent withdrawals, with or without re-financing. In the case of serial re-financing, you are required to produce all Debt Redemption letters from the previous financier.*
+
+
+
+
+
+
+
+
+
+
+#### Documents
+
+##### With MyKad
+
+
+
+
+* [Form KWSP 9C (AHL) (D8) and Checklist](/documents/d/guest/form_kwsp_9c_ahl_d8_bm)
+
+
+
+
+
+* [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview)
+
+
+
+
+* [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house.
+
+
+
+
+
+
+* Copy of identification documents with original for verification (Non-MyKad holders only)
+
+
+
+
+* Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
+
+
+
+
+* Passbook or copy of your bank account statement
+
+
+
+
+
+
+* Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse
+
+
+
+
+
+
+
+
+#### 
+
+##### Without MyKad
+
+
+
+
+* [Form KWSP 9C (AHL) (D8) (Non-MyKad holders only)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm)
+
+
+
+
+
+* Copy of identification documents with original for verification (Non-MyKad holders only)
+
+
+
+
+* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification
+
+
+
+
+
+
+* [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview)
+
+
+
+
+* Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete
+
+
+
+
+* Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse
+
+
+
+
+
+
+* [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house.
+
+
+
+
+
+
+
+
+
+*\*In the case of serial re-financing, you are required to produce all Debt Redemption letters from the previous financier.*
+
+
+
+
+#### Additional Eligibility
+
+
+
+
+
+* Spouse must undertake loan to buy/build house
+* Member can either be the borrowers or not for the house purchasing
+* The house has been mortgaged as collateral for the housing loan
+* The house is fully-owned by the spouse or co-owned together with spouse
+* Member is required to submit evidence of a husband/wife relationship which can be Marriage Certificate / Surat Nikah or child birth certificate
+* Member can make withdrawal to reduce loan balance for any houses of their own or spouse's (husband/wife/wives), subjected to one withdrawal per year
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+[###### e-Pengeluaran Strategic Partner](/corporate/panel-institutions)
+
+[###### Housing Balance Statement Format](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677)
+
+
+
+
+
+[###### Withdraw Via KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+
+[###### Apply For Manual Withdraw](/documents/d/guest/form_kwsp_9c_ahl_d8_bm)
+
+
+
+
+
+What You Should Know
+
+* If member has not made a withdrawal to buy or build a house, member may make a withdrawal for any house.
+
+
+
+
+
+* Member is not eligible to apply if:  
+   - The purpose of the loan is to renovate, repair or to carry out additional works to the existing house or for personal purposes  
+   - Loan in the form of overdraft  
+   - Loan taken from an individual  
+   - The purpose of the loan is to reduce/redeem the loan balance of third house  
+   - The purpose of the loan is to reduce/redeem the loan balance of a house bought overseas
+
+
+
+
+* The original housing loan balance has been fully settled
+
+
+
+
+* In the case of re-financing, the loan balance accounted for is based on the original housing loan payment from the first loan provider OR the latest loan balance, whichever is lower. If several loan providers are involved, the loan redemption letter will be compared against the latest balance to determine the eligible withdrawal amount.
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## Reduce Redeem Withdrawal Additional Info Accordion
+
+
+
+
+### Payment Methods
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All withdrawal payments will be credited directly into yours or your spouse’s housing loan account when you meet the following criteria.
+
+* You/spouse has a housing loan account with a panel bank appointed by the EPF; AND
+* Your/spouse’s loan with the EPF panel bank is not in the non-performing loan (NPL) status
+* Your/spouse’s loan account is still active
+* Your/spouse’s identification number as a borrower matches with the bank’s record
+* Payment is made in Ringgit Malaysia (RM)
+
+---
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. **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](/corporate/panel-institutions)
+2. **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](/corporate/panel-institutions)
+3. **Submit to EPF**  
+    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
+   
+   [Find EPF Near You](/corporate/connect-with-us) 
+   
+   **Post to EPF:**  
+      
+    JABATAN PENGURUSAN TRANSAKSI  
+    Menara KWSP   
+    No.1 Persiaran Kwasa Utama,  
+    Kwasa Damansara, Seksyen U4,  
+    40150 Shah Alam,  
+    Selangor.
+4. **Need more information?**  
+    Refer to our product brochure for additional information.
+   
+   [Download Brochure](/documents/d/guest/pengeluaran_mengurang_penyelesaikan_baki_pinjaman_perumahan_11012017)
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+
+## Housing Withdrawal FAQ Accordion
+
+
+
+
+### Why is thumbprint authentication necessary?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* By using [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or [web​ portal](https://iakaun.kwsp.gov.my/portal/member/login)
+* By visiting any nearby EPF offices
+
+---
+
+
+
+### Where can members perform the thumbprint verification and submit the supporting documents?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* 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.
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+10+-+Career+Advancement.png/0e64e7fc-7086-1a31-f2e9-6fa1c5e5f820?t=1702010645891)
+
+EDUCATION
+
+The Impact of Education on Career Advancement](https://www.kwsp.gov.my/en/w/article/career-advancement) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/RAWAFA-Article-Image.webp/9035d864-ce39-2657-d1e5-02fed6be33c1?t=1714518879928)
+
+ACCOUNT
+
+Answering All Your Qs About EPF's Account 3](https://www.kwsp.gov.my/en/w/article/epf-account-3-info) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)
+
+PERSONAL SKILLS
+
+Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_pengeluaran-rumah_rumah-pr1ma.md

@@ -0,0 +1,714 @@
+
+
+PR1MA Housing Withdrawal - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## PR1MA Housing Withdrawal
+
+
+![](/documents/d/guest/banner-member-housing-pr1ma-webp?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+3. PR1MA Housing Withdrawal
+
+
+
+
+
+
+
+#### PR1MA Housing Withdrawal
+
+Realise Your Dreams Of Owning A House
+
+
+
+
+
+
+
+EPF members can take advantage of your existing and future EPF savings in Akaun Sejahtera to purchase your first house under the Malaysia People's Housing Programme (PR1MA). Start the initial steps by ring-fencing your account so that your next contributions will go to your new home.
+
+
+
+
+
+Who Can Apply
+
+## Requirements
+
+
+
+
+
+![icon card](/documents/20119/44050/Frame%209771.png/ce2b305e-ee05-5df5-2ea2-4418947e1d01?t=1701084662292&download=true)
+
+
+Malaysians
+
+
+
+
+![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?t=1701084609706&download=true)
+
+
+Below 55 years of age
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-9?download=true)
+
+
+PR1MA house buyer
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-2-5?download=true)
+
+
+Obtained housing loan through the Skim Pembiayaan Fleksibel PR1MA (SPEF)
+
+
+
+
+![icon card](/documents/d/guest/myidaman-icons-10?download=true)
+
+
+Have never made any Housing Withdrawal OR Have made a Housing Withdrawal but have sold/ disposed of the property
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+What You Should Know
+
+* This withdrawal is strictly for the financing of PR1MA house and payment will be made directly to the financial institution.
+
+
+
+
+* If your Akaun Sejahtera balance is less than the monthly payment amount requested, the EPF will pay the full amount in your Akaun Sejahtera (subject to a minimum payment of RM50).
+
+
+
+
+* All other pre-retirement withdrawals under Akaun Sejahtera will be restricted.
+
+
+
+
+* The restriction will be terminated when the member reaches age 55; makes a Pensionable Employees/Incapacitation/Leaving the Country Withdrawal/Death Withdrawal; or with written instruction from the financial institution.
+
+
+
+
+
+* If your home is sold through foreclosure, the restrictions on your Akaun Sejahtera savings will remain unless with written permission from the financial institution.
+
+
+
+
+* The EPF is not responsible for any late payments or non-payments due to non-contribution or the freezing of your account.
+
+
+
+
+
+
+* Upon reaching age 55 and qualifying for Retirement Withdrawal, you are responsible for settling the outstanding loan with the financial institution for your PR1MA house.
+
+
+
+
+
+
+
+
+
+
+
+
+What You Can Utilise
+
+* The PR1MA payment is decided by the member and subject to agreement from the financial institution.
+* Part or all of your savings in Akaun Sejahtera (minimum RM50)
+
+
+
+
+
+
+
+
+How to Apply
+
+#### Step 1
+
+Register an account at www.pr1ma.my and apply for the PR1MA housing project of your choice
+
+
+
+
+
+Step 2  
+ Wait for the offer letter of purchase and apply for a loan from a financial institution
+
+
+
+
+
+Step 3  
+ Submit your applications for:  
+ a) Withdrawal restriction (ring-fence)  
+ b) PR1MA Housing Withdrawal  
+ c) Restructuring   
+ d) Cancellation of withdrawal restriction (ring-fence)
+
+
+
+
+
+Step 4  
+ The financial institution will verify and forward your application to the EPF
+
+
+
+
+
+
+Step 5  
+ We will let you know once your withdrawal has been approved (via SMS/i-Akaun Security Message/Notice)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Additional Information
+
+## PR1MA Housing Withdrawal Accordion
+
+
+
+
+### Important Reminder
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+#### 1) Double check your panel banks
+
+Refer to the list of EPF panel banks for direct crediting of payment into member's PR1MA House Loan account.
+
+[EPF Bank Panels](/corporate/panel-institutions)
+#### 2) Submit to the panel bank of your choice
+
+Send your completed submissions to the panel bank counter of your choice and they will apply to the EPF on your behalf.
+
+#### 3) Need more information?
+
+Refer to our product brochure for additional information.
+
+[Download Brochure](/documents/d/guest/risalah_pengeluaran_perumahan_pr1ma__ppp__fa_ol_05052017)
+#### 4) EPF PR1MA panel banks
+
+* Ambank
+* CIMB
+* Maybank
+* RHB
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## PR1MA Housing Withdrawal FAQ Accordion
+
+
+
+
+### What is ring-fence?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are prohibited from making any other pre-retirement withdrawal such as Housing Withdrawal (except PR1MA Scheme), Health Withdrawal, Education Withdrawal, 50 Years Age Withdrawal and Hajj Withdrawal until completion of the PR1MA Housing Loan.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+11+-+Emergency+Savings.png/57fd0387-8590-5d84-9e86-29365c2bb09d?t=1702010646016)
+
+PERSONAL FINANCE
+
+Emergency Fund: Why You Need One](https://www.kwsp.gov.my/en/w/article/emergency-fund) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)
+
+HOUSING
+
+Now Everyone Can Own a Home with EPF](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/RAWAFA-Article-Image.webp/9035d864-ce39-2657-d1e5-02fed6be33c1?t=1714518879928)
+
+ACCOUNT
+
+Answering All Your Qs About EPF's Account 3](https://www.kwsp.gov.my/en/w/article/epf-account-3-info) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/article29_cover.webp/cfd7b544-882b-ebcc-889d-c69d8e8b27f3?t=1723087229542)
+
+SCAM AWARENESS
+
+How To Avoid Online Scam](https://www.kwsp.gov.my/en/w/article/how-to-avoid-online-scam) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_simpanan_caruman-pilihan-sendiri.md

@@ -0,0 +1,1256 @@
+
+
+Self-Contribution - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Self-Contribution
+
+
+![](/documents/d/guest/banner-member-grow-self-contribution-webp?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+3. Self-Contribution
+
+
+
+
+
+
+
+#### Self-Contribution
+
+Securing Retirement With Self Contribution
+
+
+
+
+
+
+
+Self-contribution serves as an option to those who want to voluntarily grow their retirement savings with EPF.
+
+
+
+
+
+Who Can Apply
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true)
+
+
+Malaysian & Permanent Resident​
+
+
+
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?t=1701084661669&download=true)
+
+
+EPF member​
+
+
+
+
+![icon card](/documents/20119/44050/Below_75Y.png/36e78548-237e-afbe-854f-bb195b091299?t=1702435188134&download=true)
+
+
+Below 75 years of age
+
+
+
+
+
+
+
+
+
+
+Payment Methods​
+
+Contribution payments will be credited to the member's EPF account within 3 working days for electronic payments and 7 working days for payment via other channels.
+
+
+## Self-Contribution (Payment Channel Accordion)
+
+
+
+
+### Mobile App
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Electronic payment via i-Akaun mobile app. For more details, refer to the FAQ section at the bottom.
+
+
+
+### Internet Banking
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Electronic payment via:
+
+1. Alliance Bank
+2. Bank Islam
+3. Bank Muamalat
+4. BSN
+5. CIMB Bank
+6. Hong Leong Bank
+7. Kuwait Finance House
+8. Maybank
+9. MBSB
+10. Public Bank
+11. RHB Bank
+12. Ambank
+
+
+### Registered Bank Agent
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Electronic/cash payment via [Bank Agents (EB) BSN](https://www.bsn.com.my/page/locate-us?lang=en-MY&csrt=5312210391283919450).​
+
+
+
+### Bank Agent Counters
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Cash/cheque payment via bank agent counters:​
+
+* BSN​
+* Maybank​
+* Public Bank​
+* RHB Bank - Only payments via debit card and debit transfers are accepted.​
+
+Note: Please attach Bayaran Caruman Pilihan Sendiri Form - [KWSP 6A (1)](/documents/d/guest/kwsp_6a_1-2)
+
+
+
+### EPF Office
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Payment via cash (maximum RM500)/cheque/bank draft can be made at the following EPF Receipting Counter:​
+
+1. KWSP Shah Alam​
+2. KWSP Kuala Lumpur​
+3. KWSP Ipoh​
+4. KWSP Seberang Jaya​
+5. KWSP Alor Setar​
+6. KWSP Kangar​
+7. KWSP Johor Bahru​
+8. KWSP Muar​
+9. KWSP Melaka​
+10. KWSP Seremban​
+11. KWSP Kuantan​
+12. KWSP Kuala Terengganu​
+13. KWSP Kota Bharu​
+14. KWSP Kota Kinabalu​
+15. KWSP Kuching​
+
+* Payment via Debit Card is available at all EPF Office.​
+
+​
+
+Note: Please attach Bayaran Caruman Pilihan Sendiri Form - [KWSP 6A (1)](/documents/d/guest/kwsp_6a_1-2)​
+
+EPF do not encourage members to make payments in cash for large amounts at EPF counters.​
+
+
+
+### Mobile KWSP Team / Relationship & Advisory (RA)
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Electronic payment  via Debit Card.​
+* Contribution payment amount is subject to the payer's Debit Card transaction limit.​
+
+For more details, refer to the FAQ section at the bottom.
+
+Contribution payment via Debit Card through the MT/MoT services is based on the Schedule Table.
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Contribution Limit
+
+Minimum: RM1.00
+
+
+
+
+
+
+Subject to payment channels
+
+
+
+
+
+Maximum: RM100,000 per year
+
+
+
+
+
+The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year.​
+
+
+
+
+
+
+
+
+
+
+
+
+
+Forms
+
+* [Self-Contribution Payment Form - KWSP 6A (1)​](/documents/d/guest/kwsp_6a_1-2)
+
+
+
+[Self-Contribution Payment Form - KWSP 6A (1)​](/documents/d/guest/kwsp_6a_1-2)
+
+
+
+
+
+
+
+
+
+
+
+
+
+# Frequently Asked Questions
+
+
+
+
+ View
+
+Frequently Asked Question
+
+
+## Self-Contribution & Voluntary Contribution (FAQ Accordion)
+
+
+
+
+### Is Self-Contribution available for everyone?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Self Contribution is only available to Malaysian citizens or permanent residents who are EPF members.
+
+
+---
+
+
+
+### I am an expatriate/foreign worker who has a work permit in Malaysia; am I eligible to make a Self-Contribution?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, it is only eligible to registered EPF members who are either Malaysian citizens or permanent residents.
+
+
+---
+
+
+
+### If I am a salaried employee, can I still make a Self-Contribution?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, you can.​
+
+
+---
+
+
+
+### Can I request a refund of my Self-Contribution?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. Every Self-Contribution paid into EPF is considered valid and final. Therefore, members are required to ensure the accuracy of payment details before completing the transaction. ​
+
+
+---
+
+
+
+### What does it mean when the statement reads 'You have RM XXXX.XX remaining contribution limit for this year'?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+This statement refers to members' remaining contribution limit for the year.​
+
+The calculation formula is as follows:​
+
+Maximum annual amount of Voluntary Contribution DEDUCT total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit.​
+
+Example:​
+
+RM100,000 – RM312 = RM99,688.​
+
+Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year.
+
+
+---
+
+
+
+### Am I allowed to contribute more than the maximum amount (RM100,000)?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, any contributions that exceed the limit will be refunded to the member.​
+
+
+---
+
+
+
+### What happens if I make a Self-Contribution payment after turning the age of 55?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Your contributions will be deposited into Akaun Emas and can only be withdrawn after you reach the age of 60.
+
+
+---
+
+
+
+### Can I make Self-Contribution payment through KWSP i-Akaun app?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. You can now make Self-Contribution payment exclusively via our [KWSP i‑Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html).
+
+
+---
+
+
+
+### How do I make Self-Contribution via KWSP i-Akaun app?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Step 1: Log in to [KWSP i-Akaun app​](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+
+Step 2: Click "Increase your savings"​
+
+Step 3: Enter your contribution amount​
+
+Step 4: Select your bank​
+
+Step 5: Confirm your contribution details and click continue​
+
+Step 6: Accept the Terms & Conditions​
+
+Step 7: Log in to your online banking account and make the payment via FPX​
+
+Step 8: Transaction is complete! Download the receipt to save as a copy​
+
+
+---
+
+
+
+### Which banks are supported for FPX internet banking?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Maybank​
+* Public Bank​
+* CIMB Bank​
+* RHB Bank​
+* Affin Bank​
+* Alliance Bank Malaysia​
+* AmBank​
+* Bank Islam Malaysia​
+* Bank Muamalat​
+* Bank Rakyat​
+* Bank Simpanan Nasional (BSN)​
+* Bank of China (M) Berhad​​
+* Deutsche Bank​
+* Hong Leong Bank​
+* HSBC​
+* Kuwait Finance House​
+* OCBC​
+* Standard Chartered Bank​
+* UOB
+
+---
+
+
+
+### How long does it take for the payment to be credited into an EPF member's account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Self-Contribution payment will be credited to member's EPF account at least in three (3) working days for electronic payment and seven (7) working days for non-electronic payment.
+
+
+---
+
+
+
+### What is a Voluntary Contribution payment through the member i‑Akaun mobile application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Allow members to make Voluntary Contribution payments exclusively via the KWSP i‑Akaun app.
+
+
+---
+
+
+
+### How do I make Voluntary Contribution via i-Akaun app?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Here is how you can make your voluntary contribution via i-Akaun app:
+
+
+
+
+![](/documents/d/guest/vc-step-guide-kwsp-i-akaun-png)
+
+
+
+---
+
+
+
+### What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun mobile app?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Minimum amount for Voluntary Contributions payment via the KWSP i-Akaun app is RM10.​
+
+​The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year.​
+
+
+---
+
+
+
+### What is meant by the statement ‘you have RM XXXX.XX remaining contribution limit for this year.’
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+This statement refers to members' remaining contribution limit for the year.
+
+The calculation formula is as follows:
+
+Maximum annual amount of Voluntary Contribution **DEDUCT** total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit.
+
+Example:
+
+RM100,000 – RM312 = RM99,688.
+
+Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year.
+
+
+---
+
+
+
+### What is the list of banks supported for FPX internet banking?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+• Maybank  
+ • Public Bank  
+ • CIMB Bank  
+ • RHB Bank  
+ • Affin Bank  
+ • Alliance Bank Malaysia  
+ • AmBank  
+ • Bank Islam Malaysia  
+ • Bank Muamalat  
+ • Bank Rakyat  
+ • Bank Simpanan Nasional (BSN)  
+ • Bank of China (M) Berhad  
+ • Deutsche Bank  
+ • Hong Leong Bank  
+ • HSBC  
+ • Kuwait Finance House  
+ • OCBC  
+ • Standard Chartered Bank  
+ • UOB
+
+
+---
+
+
+
+### When will the Voluntary Contribution payment via i-Akaun mobile application be credited to the member's EPF account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The Voluntary Contribution payment will be credited to member’s EPF account at least in three working days after the bank transferred the payment to the EPF.
+
+
+---
+
+
+
+### Can I request a refund of my Voluntary Contribution?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You can't do that at all. Each and every amount of Voluntary Contribution paid into EPF is valid and final. As a result, members are obligated to check that the payment details are accurate before completing the transaction.
+
+
+---
+
+
+
+### Is it allowed for me to contribute more than the maximum amount?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you can't do it. Voluntary Contributions in excess of the maximum amount will be refunded to the member.
+
+
+---
+
+
+
+### What happens if I make a Voluntary Contribution payment after the age of 55?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* Self-Contribution
+* Voluntary Contribution
+
+#### 
+
+#### 
+
+
+
+
+
+
+#### 
+
+Voluntary Contribution
+ View
+
+Frequently Asked Question
+
+
+## Voluntary Contribution FAQ Accordion
+
+
+
+
+### What is a Voluntary Contribution payment through the member i‑Akaun mobile application?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Allow members to make Voluntary Contribution payments exclusively via the KWSP i‑Akaun app.
+
+
+---
+
+
+
+### How do I make Voluntary Contribution via i-Akaun app?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Here is how you can make your voluntary contribution via i-Akaun app:
+
+
+
+
+![](/documents/d/guest/vc-step-guide-kwsp-i-akaun-png)
+
+
+
+---
+
+
+
+### What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun mobile app?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Minimum amount for Voluntary Contributions payment via the KWSP i-Akaun app is RM10.​
+
+​The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year.​
+
+
+---
+
+
+
+### What is meant by the statement ‘you have RM XXXX.XX remaining contribution limit for this year.’
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+This statement refers to members' remaining contribution limit for the year.
+
+The calculation formula is as follows:
+
+Maximum annual amount of Voluntary Contribution **DEDUCT** total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit.
+
+Example:
+
+RM100,000 – RM312 = RM99,688.
+
+Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year.
+
+
+---
+
+
+
+### What is the list of banks supported for FPX internet banking?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+• Maybank  
+ • Public Bank  
+ • CIMB Bank  
+ • RHB Bank  
+ • Affin Bank  
+ • Alliance Bank Malaysia  
+ • AmBank  
+ • Bank Islam Malaysia  
+ • Bank Muamalat  
+ • Bank Rakyat  
+ • Bank Simpanan Nasional (BSN)  
+ • Bank of China (M) Berhad  
+ • Deutsche Bank  
+ • Hong Leong Bank  
+ • HSBC  
+ • Kuwait Finance House  
+ • OCBC  
+ • Standard Chartered Bank  
+ • UOB
+
+
+---
+
+
+
+### When will the Voluntary Contribution payment via i-Akaun mobile application be credited to the member's EPF account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The Voluntary Contribution payment will be credited to member’s EPF account at least in three working days after the bank transferred the payment to the EPF.
+
+
+---
+
+
+
+### Can I request a refund of my Voluntary Contribution?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+You can't do that at all. Each and every amount of Voluntary Contribution paid into EPF is valid and final. As a result, members are obligated to check that the payment details are accurate before completing the transaction.
+
+
+---
+
+
+
+### Is it allowed for me to contribute more than the maximum amount?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, you can't do it. Voluntary Contributions in excess of the maximum amount will be refunded to the member.
+
+
+---
+
+
+
+### What happens if I make a Voluntary Contribution payment after the age of 55?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+14+-+Work+Life+Balance.png/5b310582-cb59-a8ca-7936-e81faaee384e?t=1702010646427)
+
+CAREER
+
+The Realities of Work-Life Balance](https://www.kwsp.gov.my/en/w/article/work-life-balance) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+3+-+Boost+Savings.png/4c238365-2ff6-31cb-776f-0dfd4dae522b?t=1702010645121)
+
+PERSONAL FINANCE
+
+Boost Your Savings with EPF Account](https://www.kwsp.gov.my/en/w/article/boost-your-savings) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+18+-+How+to+Be+Smart+With+Your+Money.png/6bc2745f-deac-0117-6371-d216baeff196?t=1712040742097)
+
+PERSONAL FINANCE
+
+How To Be Smart With Your Money During The Festive Season](https://www.kwsp.gov.my/en/w/article/savings-for-festives) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+17+-+Simpanan+Shariah_New.jpg/55adb65b-cbad-8291-1925-e1794d6784d4?t=1709776397211)
+
+PERSONAL FINANCE
+
+Make Simpanan Shariah Your Choice of Retirement Planning](https://www.kwsp.gov.my/en/w/article/simpanan-shariah-retirement) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_simpanan_i-saraan.md

@@ -0,0 +1,1279 @@
+
+
+i-Saraan: Grow Your Retirement Savings - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## i-Saraan: Grow Your Retirement Savings
+
+![](/documents/d/guest/banner-member-grow-isaraan-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+3. i-Saraan
+
+
+
+
+
+
+
+#### i-Saraan
+
+Retirement Savings For Self‑Employed Members​
+
+
+
+
+
+
+
+i-Saraan is a voluntary contribution initiative introduced by EPF. It offers an opportunity for self-employed individuals and gig economy workers without fixed income to obtain government incentives for retirement purposes, subject to the established requirements.​
+
+
+
+
+
+i-Saraan is a voluntary contribution initiative introduced by EPF. It offers an opportunity for self-employed individuals and gig economy workers without fixed income to obtain government incentives for retirement purposes, subject to the established requirements.​
+
+
+
+
+
+Benefits
+
+
+![icon card](/documents/d/guest/arrears?download=true)
+
+Special Incentive
+
+Receive special incentive of 15% for the total contribution up to a maximum of RM500 for the current year\*
+
+
+
+![icon card](/documents/20119/44065/1%20Million.png/cb762af5-983f-a1c6-dcec-b7d620b9060f?t=1701084549506&download=true)
+
+Annual Dividend
+
+Enjoy annual dividends on top of retirement savings
+
+
+
+![icon card](/documents/20119/44065/Death.png/cf9087c0-dabd-3477-0b89-20532fc0c1b5?t=1701084551397&download=true)
+
+Death Assistance
+
+Subject to EPF terms and conditions
+
+
+
+![icon card](/documents/20119/44038/Incentive.png/49a6c8d2-0945-96bf-22a0-e750e33ea3fb?t=1701082503391&download=true)
+
+Tax Relief
+
+Subject to IRB terms and conditions
+
+
+
+
+*\*Had insentif seumur hidup sebanyak RM5,000 atau mencapai umur 60 tahun yang mana lebih awal​. Tertakluk kepada terma dan syarat kerajaan.*
+
+
+
+
+
+
+
+
+
+
+Who Is Eligible To Apply
+
+
+![icon card](/documents/20119/44050/Frame%209771.png/ce2b305e-ee05-5df5-2ea2-4418947e1d01?t=1701084662292&download=true)
+
+Malaysian
+
+
+
+
+![icon card](/documents/20119/44044/Withdrawal%20Icons.png/8fb4badc-e50f-01b7-2915-dd193b913921?t=1701084714265&download=true)
+
+Self-employed individuals​
+
+Who derive income from own work and are not an employee​
+
+
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?t=1701084661669&download=true)
+
+EPF Member
+
+
+
+
+![icon card](/documents/20119/44050/Below%2060.png/b057f0d2-2748-ba15-1b65-a22702f51c2b?t=1701084666268&download=true)
+
+Below 60 years of age
+
+
+
+
+
+
+
+
+
+
+Benefits
+
+
+![icon card](/documents/d/guest/arrears?download=true)
+
+Special Incentive 
+
+Receive special incentive of 15% for the total contribution up to a maximum of RM500 for the current year\*
+
+
+
+![icon card](/documents/20119/44065/1%20Million.png/cb762af5-983f-a1c6-dcec-b7d620b9060f?t=1701084549506&download=true)
+
+Annual Dividend
+
+Enjoy annual dividends on top of retirement savings
+
+
+
+![icon card](/documents/20119/44065/Death.png/cf9087c0-dabd-3477-0b89-20532fc0c1b5?t=1701084551397&download=true)
+
+Death Assistance
+
+Subject to EPF terms and conditions
+
+
+
+![icon card](/documents/d/guest/incentive-png?download=true)
+
+Tax Relief
+
+Subject to IRB terms and conditions
+
+
+
+
+
+
+
+
+
+*​\*Lifetime incentive limit of RM5,000 or when the member reaches age 60, whichever is earlier. Subject to government terms and conditions.*
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Who Is Eligible To Apply
+
+Requirements  
+  
+
+
+
+
+
+![icon card](/documents/20119/44050/Frame%209771.png/ce2b305e-ee05-5df5-2ea2-4418947e1d01?download=true)
+
+Malaysian
+
+
+
+
+![icon card](/documents/20119/44038/Wages%20for%20Half%20Day.png/bf4459a1-727e-b4e9-a7f9-a5f91e6dd8b2?download=true)
+
+Self-employed individuals​
+
+Who derive income from own work and are not an employee​
+
+
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?download=true)
+
+EPF Member
+
+
+
+
+![icon card](/documents/20119/44050/Below%2060.png/b057f0d2-2748-ba15-1b65-a22702f51c2b?download=true)
+
+Below 60 years of age
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Payment Methods
+
+​Contribution payments will be credited to the member's EPF account within 3 working days for electronic payments and 7 working days for payment via other channels.
+
+
+## i-Saraan (Payment Channel Accordion)
+
+
+
+
+### Mobile App​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Electronic payment via KWSP i‑Akaun mobile app. For more details, refer to the FAQ section at the bottom.
+
+
+
+### Internet Banking​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Online payment via:​
+
+1. Alliance Bank
+2. Bank Islam
+3. Bank Muamalat
+4. BSN
+5. CIMB Bank
+6. Hong Leong Bank
+7. Kuwait Finance House
+8. Maybank
+9. MBSB
+10. Public Bank
+11. RHB Bank
+12. Ambank
+
+
+### Registered Bank Agent​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Electronic/cash payment [Bank Agent (EB) BSN](http://www.bsn.com.my/page/locate-us?lang=en&csrt=9932093579762160924).​
+
+
+
+### Bank Agent Counters​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Cash/cheque payment via bank agent counters:​
+
+* BSN​
+* Maybank​
+* Public Bank​
+* RHB Bank – Only payments via debit card and debit transfers are accepted​.
+
+Note: Please attach Bayaran Caruman i‑Saraan/i‑Suri Form ‑ [KWSP 6A (2)](/documents/d/guest/kwsp_6a_2) 
+
+If payment made by cheque or bank draft:
+
+1. Payment must be made to KUMPULAN WANG SIMPANAN PEKERJA.​​
+2. Please state member's EPF number, contribution month, and phone number on the back.
+
+
+
+### EPF Office
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Payment via cash (maximum RM500)/cheque/bank draft/money order/postal order can be made at the following EPF  Receipting Counters:​
+
+1. KWSP Shah Alam​
+2. KWSP Kuala Lumpur​
+3. KWSP Ipoh​
+4. KWSP Seberang Jaya​
+5. KWSP Alor Setar​
+6. KWSP Kangar​
+7. KWSP Johor Bahru​
+8. KWSP Muar​
+9. KWSP Melaka​
+10. KWSP Seremban​
+11. KWSP Kuantan​
+12. KWSP Kuala Terengganu​
+13. KWSP Kota Bharu​
+14. KWSP Kota Kinabalu​
+15. KWSP Kuching​
+
+* Payment via Debit Card is available at all EPF Offices.​
+
+​
+
+Note: Please attach Bayaran Caruman i-Saraan/i-Suri Form - [KWSP 6A (2)](/documents/d/guest/kwsp_6a_2) ​ 
+
+EPF does not encourage members to make payments in cash for large amounts at EPF counters.
+
+If payment made by cheque or bank draft:
+
+1. Payment must be made to KUMPULAN WANG SIMPANAN PEKERJA.​​
+2. Please state member's EPF membership number, contribution month, and phone number on the back.
+
+
+
+### EPF Mobile Team / Relationship & Advisory (RA)
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+* Electronic payment via Debit Card.​
+* Contribution payment amount is subject to the payer's Debit Card transaction limit.​
+
+​
+
+For more details, refer to the FAQ section at the bottom.
+
+Contribution payment via Debit Card through the EPF Mobile Team/ Relationship & Advisory (RA) services is based on the Schedule Table.
+
+
+
+
+ View More 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Contribution Limit​
+
+
+
+
+
+Minimum: RM1.00
+
+
+
+
+
+
+Subject to payment channels
+
+
+
+
+
+
+Maximum: RM100,000 per year
+
+
+
+
+
+The maximum accumulated limit for Voluntary Contributions (Self Contribution, i‑Saraan Contribution, i‑Suri Contribution and Akaun Persaraan Top‑up Savings Contribution) across all payment channels is RM100,000 per year
+
+
+
+
+
+
+
+
+
+
+
+
+## How To Register i-Saraan
+
+
+
+
+
+KWSP i-Akaun
+
+
+
+
+
+* i-Saraan registration via [KWSP i-Akaun app](http://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)
+
+
+
+
+EPF Website​
+
+
+
+
+* Online registration for i-Saraan through the [i-Saraan Registration Portal](http://online.kwsp.gov.my/isaraanReg/?lang=en).
+
+
+
+
+Self Service Terminal (SST)​
+
+
+
+
+
+* i-Saraan registation at any [SST](/corporate/connect-with-us)
+* Prepare MyKad
+
+
+
+
+EPF Office
+
+
+
+
+* Fill out the Voluntary Contribution Registration Application form for i-Saraan/i-Suri - [KWSP 16G (M)](/documents/d/guest/form_kwsp_16g_m)
+* Prepare MyKad
+
+
+
+
+
+
+KWSP i-Akaun
+
+
+
+
+* Registration of i‑Saraan/i‑Suri through [KWSP i‑Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) app​
+
+
+
+
+
+EPF Website​
+
+
+
+
+* [i‑Saraan](https://online.kwsp.gov.my/isaraanReg/?lang=en) Online Registration
+
+
+
+
+Self Service Terminal (SST)​
+
+
+
+
+* Visit any [SST](/corporate/connect-with-us)​ location
+* MyKad
+
+
+
+
+EPF Office
+
+
+
+
+* Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i‑Suri Form – [KWSP 16G (M)​](/documents/d/guest/form_kwsp_16g_m)
+* MyKad
+
+
+
+
+
+
+
+
+
+
+
+
+---
+
+
+
+
+
+
+---
+
+
+
+
+
+KWSP i-Akaun
+
+
+
+
+
+* Registration of i‑Saraan/i‑Suri through [KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) app​
+
+
+
+
+Self Service Terminal (SST)​
+
+
+
+
+
+
+
+* Visit any [SST](/corporate/connect-with-us)​ location
+* MyKad
+
+
+
+---
+
+
+
+
+
+
+EPF Office
+
+
+
+
+* Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i‑Suri Form – [KWSP 16G (M)​](/documents/d/guest/form_kwsp_16g_m)
+* MyKad
+
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Forms
+
+* [P](/documents/d/guest/form_kwsp_16g_m)[ermohonan Pendaftaran Caruman Sukarela i‑Saraan/ i‑Suri Form - KWSP 16G (M)](/documents/d/guest/form_kwsp_16g_m)
+* ​[Bayaran Caruman i‑Saraan/ i‑Suri Form - KWSP 6A (2)​](/documents/d/guest/kwsp_6a_2)
+
+
+
+
+[Permohonan Pendaftaran Caruman Sukarela i‑Saraan/ i‑Suri Form - KWSP 16G (M)](/documents/d/guest/form_kwsp_16g_m)
+
+
+
+[​Bayaran Caruman i‑Saraan/ i‑Suri Form - KWSP 6A (2)​](/documents/d/guest/kwsp_6a_2)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Frequently Asked Questions
+ View
+
+Frequently Asked Question
+
+
+## i-Saraan (FAQ Accordion)
+
+
+
+
+### What is i-Saraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+i-Saraan is a voluntary contribution facility introduced by EPF, offering self-employed members, those with no fixed incomes, and gig economy sector workers an opportunity to receive special incentives from the Government for retirement purposes, subject to the terms and conditions.
+
+
+---
+
+
+
+### Will the i-Saraan programme continue?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The extension of the i-Saraan programme and the incentives is an initiative from the Government. Any changes to the terms and conditions will be informed time to time.
+
+
+---
+
+
+
+### Are there any changes to the current eligibility requirements for i-Saraan registration?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+There are no changes to the i-Saraan eligibility requirements, which are:-  
+ i.   Registered as an EPF member;  
+ ii.  Malaysian Citizens;  
+ iii. Below 60 years of age;   
+ iv. Individuals who are self-employed with no fixed income, members of the civil service in a pension service scheme and workers in the gig economy sector.
+
+
+---
+
+
+
+### Can members who have reached the age of 55 register i-Saraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. EPF members who are Malaysian citizens and have not reached the age of 60 can register for i-Saraan.
+
+
+---
+
+
+
+### Can members who have reached the age of 60 register i-Saraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. i-Saraan is only open to EPF members who have not reached the age of 60.
+
+
+---
+
+
+
+### Can members who are civil service employees in a pension service scheme apply for i-Saraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Civil service employees who have retired and have not reached the age of 60 are eligible to register for i-Saraan.
+
+
+---
+
+
+
+### Can members who are currently serving in the military apply for i-Saraan?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Military members who are still serving can apply for i-Saraan if they are registered as EPF members.
+
+
+---
+
+
+
+### What is the purpose of increasing the i-Saraan's special incentive payment from RM300 to RM500 per year with a maximum lifetime special incentive (accumulated) of RM5,000 per individual?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The purpose of increasing the limit of the special incentive and introducing a maximum lifetime special incentive of RM5,000 per individual are as follows:
+
+1. Establishing a social protection network by providing guaranteed income during elderly years for all; ​​
+2. Expanding the coverage of the EPF scheme to include all working-age populations, including workers in the informal sector or those with no fixed income; ​
+3. Allowing individuals to benefit a meaningful incentive for retirement; ​
+4. Encouraging members to continue saving continuously for retirement income; and ​
+5. Ensuring the guaranteed receipt of incentives for 10 years or until the member reaches the age of 60, whichever is earlier.
+
+---
+
+
+
+### When does the increase in the maximum payment rate for the i-Saraan special incentive take effect?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The increase in the maximum payment rate for the i-Saraan special incentive comes into effect starting from the year 2024, based on contributions made in the year 2024.
+
+
+---
+
+
+
+### Is the maximum lifetime limit for special incentives inclusive of contributions made in previous years?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. The maximum lifetime limit for special incentives begins with the special incentives received starting from the year 2024.
+
+
+---
+
+
+
+### How can i-Saraan contribution payments be made?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members can make i-Saraan contribution payments through the following channels:-  
+ i.    i-Akaun mobile application (Member);  
+ ii.   Internet banking;  
+ iii.  Bank agent counters – BSN, Maybank, Public Bank & RHB Bank;  
+ iv.  Registered bank agent – (EB) BSN;  
+ v.   Cash payment (maximum RM500)/bank cheque/bank draft/money order/postal money at all EPF branches;  
+ vi.  Debit Card payments through Mobile Team (MT), Mini Outreach Team (MoT) & EPF branches.  
+
+
+
+---
+
+
+
+### What is the amount that needs to be contributed to qualify for the maximum i-Saraan special incentive of RM500 per year?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Members are eligible to receive the special incentive based on matching contribution of 15% of the total accumulated contributions for the current year made by members. To qualify for the maximum annual special incentive of RM500, members need to contribute at least RM3,334 per year.
+
+Refer to the illustration below:  
+
+
+| **Member** | **Total Contributions Accumulated**  **Current Year** | **Annual Amount Special Incentives** |
+| --- | --- | --- |
+| Ahmed | RM1,000 | RM150 |
+| Baba | RM3,334 | RM500 |
+| Kevin | RM5,000 | RM500 |
+
+
+---
+
+
+
+### When will the i-Saraan special incentive payments be credited to the member's EPF account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The i-Saraan special incentive payment will be credited to the member's EPF account twice a year (subject to the receipt of special incentive payments from the government).
+
+The special incentive payment is subject to a maximum limit of RM500 per year. A maximum lifetime special incentive limit of RM5,000 (accumulated) or reaching the age of 60, whichever comes first for each individual, is also introduced and will be considered starting from the year 2024.
+
+
+---
+
+
+
+### Can members apply for a refund of the i-Saraan contributions that have been paid to EPF?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. All i-Saraan contributions paid to EPF are final. Therefore, members need to ensure that payments are in order before proceeding with the transaction.
+
+
+---
+
+
+
+### What happens if I make i-Saraan contribution after the age of 55?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60.
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)
+
+CAREER
+
+Unlocking Financial Freedom in the Gig Economy](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+3+-+Boost+Savings.png/4c238365-2ff6-31cb-776f-0dfd4dae522b?t=1702010645121)
+
+PERSONAL FINANCE
+
+Boost Your Savings with EPF Account](https://www.kwsp.gov.my/en/w/article/boost-your-savings) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+24+-+Financial+Milestone_small.png/923bdf3b-d96f-7fa1-3a35-9841f1fddbd8?t=1720274907679)
+
+PERSONAL FINANCE
+
+Financial Milestones To Achieve Before Turning 30](https://www.kwsp.gov.my/en/w/article/achieve-money-goal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+27+-+Bigger+Income+Cover.webp/466b0861-dab1-5835-3284-674e9e8c1e5c?t=1721902906285)
+
+PERSONAL FINANCE
+
+Income And Your Savings](https://www.kwsp.gov.my/en/w/article/income-and-your-savings) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+26+Cover.webp/bf3a0205-9651-677a-3b7f-c1cadf3bc46d?t=1721379426711)
+
+PERSONAL FINANCE
+
+Retirement Planning Tips](https://www.kwsp.gov.my/en/w/article/retirement-planning-tips) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_simpanan_i-sayang.md

@@ -0,0 +1,1204 @@
+
+
+i-Sayang: Contribution for Your Wife - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## i-Sayang: Contribution for Your Wife
+
+![](/documents/d/guest/banner-member-grow-isayang-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+3. i-Sayang
+
+
+
+
+
+
+
+#### i-Sayang
+
+Contribute To Your Wife's Retirement Savings​
+
+
+
+
+
+
+
+
+i-Sayang is an initiative introduced by the government that allows the husband (contributor) to transfer the 2% employee share contribution received from the employer to the wife's (recipient) EPF account.​
+
+
+
+
+
+# Who Can Apply
+
+
+
+
+
+
+### Eligibility Of The Husband (Contributor)
+
+
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true)
+
+Malaysian or non-Malaysian​
+
+
+
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?download=true)
+
+EPF Member​
+
+
+
+
+![icon card](/documents/20119/44050/Below_75Y.png/36e78548-237e-afbe-854f-bb195b091299?download=true)
+
+Below 75 years of age​
+
+
+
+
+![icon card](/documents/20119/44038/i-Sayang.png/ce6c2d26-0818-af77-3f6d-194b4f511db7?download=true)
+
+Marriage that has been registered under Malaysian Law​
+
+
+
+
+
+
+
+
+
+
+
+
+
+### Eligibility Of The Wife (Recipient)
+
+
+
+
+
+
+![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true)
+
+Malaysian​
+
+
+
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?download=true)
+
+EPF Member​
+
+
+
+
+![icon card](/documents/20119/44050/Below_75Y.png/36e78548-237e-afbe-854f-bb195b091299?download=true)
+
+Below 75 years of age​
+
+
+
+
+![icon card](/documents/20119/44038/i-Sayang.png/ce6c2d26-0818-af77-3f6d-194b4f511db7?download=true)
+
+Marriage that has been registered under Malaysian Law​
+
+
+
+
+
+
+
+
+
+
+
+Features
+
+
+![icon card](/documents/20119/44038/i-Sayang%202Percent.png/bdd5a1bc-22ab-c607-40ed-3514b2120e81?download=true)
+
+Transfer of 2% employee share contribution received from the employer to the wife’s EPF account.​
+
+
+
+
+![icon card](/documents/20119/44038/Calender%20Payment.png/c8147140-3d99-18b8-b1ab-ecc972d09efd?download=true)
+
+The application is made voluntarily by the husband, and the transfer occurs automatically each month when an employer contribution is credited to the husband's EPF account.​
+
+
+
+
+![icon card](/documents/20119/44038/Rejected%20Document.png/48bcf86e-11d3-4df5-3200-e39e5df6b876?download=true)
+
+The transfer of this contribution cannot be cancelled unless the wife divorces or dies.​
+
+
+
+
+
+
+
+
+
+
+How To Register For i-Sayang?
+
+![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?download=true)
+
+ i-Akaun (Member)​
+
+The husband can register i-Sayang via i-Akaun (Member) by following the i-Sayang Registration User Guide.​
+
+
+
+![icon card](/documents/20119/44056/Institution.png/a50289e3-9a5a-6d67-298d-c74a6639cc0d?download=true)
+
+EPF Offices
+
+Visit any EPF office. Fill in and bring i-Sayang Application Form – KWSP 16G (SY).​
+
+
+
+![icon card](/documents/d/guest/sst-icon?download=true)
+
+Self Service Terminal (SST)
+
+Prepare MyKad for i-Sayang registration at any SST.
+
+
+
+
+
+
+
+
+[Download KWSP 16G (SY) Form](/documents/20119/44359/Borang%20Permohonan%20Pendaftaran%20i-Sayang%20-%20KWSP%2016G%20%28SY%29.pdf/2d913b6d-5c59-046a-d1a0-7d992a10cdfe)
+
+
+
+
+[Login To i-Akaun (Member)](https://iakaun.kwsp.gov.my/portal/member/login)
+
+
+
+
+[Registration User Guide](/documents/d/guest/easy-guide_panduan-pengguna-pendaftaran-i-sayang-i-akaun-en)
+
+
+
+
+
+
+
+
+
+
+
+
+## Forms
+
+
+
+
+
+* [Borang Permohonan Pendaftaran i-Sayang - KWSP 16G (SY)](/documents/d/guest/kwsp-16g-sy-_permohonan-pendaftaran-i-sayang-pemindahan-caruman-ahli-_v20240228)
+* [Borang Permohonan Penghentian Pemindahan Caruman i-Sayang - KWSP 16G (SY-P)](/documents/d/guest/kwsp-16g-sy-p-_permohonan-penghentian-pemindahan-caruman-i-sayang_v20240228-1)
+
+
+
+
+
+
+
+
+
+
+# Frequently Asked Questions
+
+
+
+
+* General Questions
+* Questions Related To Registration
+* Questions Related To Cancellation
+* Other Questions
+
+#### 
+
+General Questions
+ View
+
+Frequently Asked Question
+
+
+## i-Sayang (General FAQ Accordion)
+
+
+
+
+### Are there any supporting documents I need to provide for i‑Sayang registration?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. If you and your wife meet all the requirements, then you're eligible to register.​
+
+
+---
+
+
+
+### Can The husband (contributor) apply more than 2% of the i-Sayang contribution to the wife's (recipient) account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Unfortunately, no. Currently, i-Sayang contribution transfer is limited to 2% only.​
+
+
+---
+
+
+
+### Can the wife apply to transfer her EPF contribution to the husband’s EPF account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, the wife cannot transfer her EPF contributions to the husband’s (contributor) EPF account because i-Sayang initiative only allows the transfer of contribution from the husband’s (contributor) EPF account to the wife’s (recipient) EPF account.
+
+
+---
+
+
+
+### Can I cancel my i-Sayang registration?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+i-Sayang registration which has already been approved regrettably cannot be canceled without any reason. Husband can only cancel it if divorce occurs, or the wife passes on.​
+
+​**Note**: In the event of divorce or wife’s passing, the husband has to go to the nearest EPF branch to cancel the registration. Any delay in informing this matter to the EPF will result in the continuous transfer of the husband’s contribution to the wife’s EPF account.​
+
+
+---
+
+
+
+### How is the 2% i-Sayang contribution from employee share calculated?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The formula for calculating the transfer of 2% from employee share contributions is calculated as follows:
+
+
+
+
+![](/documents/20119/0/i-Sayang%20Calculation%20EN.png/68e8c7ca-f55c-9b09-948a-d631b301642e)
+  
+
+
+Example:
+
+a) Husband's wages: RM2000.00
+
+b) Employee share statutory rate: 11%
+
+c) Employee share contribution amount: RM220.00. (RM2,000 x 11%)
+
+The transfer amount is: RM 40.00
+
+
+---
+
+
+
+### How is the 2% transfer amount from the husband to the wife calculated when the husband contributes more than the statutory rate (Voluntary Excess)?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The 11% employee share contribution amount will include the Voluntary Excess amount (additional (%) contribution chosen by the member). Therefore, the amount transferred to the wife's account will also include the husband's Voluntary Excess amount.
+
+Example:
+
+
+
+
+![](/documents/20119/0/EN_i-sayang%20calculation_19092023.png/78f30692-c57d-3fbb-999c-ef1707aca273)
+  
+
+
+a) Husband's wages : RM2000.00
+
+b) Employee share statutory rate : 11%
+
+c) Additional Contribution Rate (VE) : 3%
+
+d) Total share of husband's employees : 11%+3% = 14%
+
+e) The employee share contribution amount is RM280.00 (RM2000.00 x 14%)
+
+f) The transfer amount is : RM 51.00
+
+
+---
+
+
+
+### Is the contributor (husband) of i-Sayang eligible to receive any special incentives?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Not eligible.
+
+
+---
+
+
+
+### Is the recipient of i-Sayang (wife) eligible to receive any special incentives? ​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+There is no special incentive given to the contributor (husband) and recipient (wife).
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+Questions Related To Registration
+ View
+
+Frequently Asked Question
+
+
+## i-Sayang (Registration FAQ Accordion)
+
+
+
+
+### How is the i-Sayang registration application performed?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The i-Sayang registration application is performed voluntarily by the husband (contributor) through below channels:
+
+i. i-Akaun (Member); OR  
+ ii. Self Service Terminal (SST) ; OR  
+ iii. Nearest EPF with the completed i-Sayang Registration Application Form - KWSP 16G (SY)
+
+
+---
+
+
+
+### How can the husband (contributor) register i-Sayang online?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The husband (contributor) can register i-Sayang via i-Akaun (Member) by following the i-Sayang Registration User Guide.
+
+
+---
+
+
+
+### Where can the husband (contributor) obtain the i-Sayang Registration Application Form - EPF Form 16G (SY)?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The i-Sayang Registration Application Form - KWSP 16G (SY) can be found on the KWSP website.
+
+
+---
+
+
+
+### Can the wife register i-Sayang or represent the husband to register i-Sayang?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Unfortunately, no. i-Sayang registration can only be done voluntarily by the husband.​
+
+
+---
+
+
+
+### Can the husband and wife check the i-Sayang registration status?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Only the husband can check i-Sayang registration through i-Akaun (Member).​
+
+
+---
+
+
+
+### Can the i-Sayang registration be made for other than the wife?​
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Registration is for legal wives registered under Malaysian law only. The husband is responsible for any inaccuracy of the wife's (recipient) information.​
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+Questions related to Cancellation
+ View
+
+Frequently Asked Question
+
+
+## i-Sayang (Cancellation FAQ Accordion)
+
+
+
+
+### Can the husband (contributor) cancel i-Sayang contribution via i-Akaun?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Unfortunately, no. i-Sayang contribution cancellation process can only be done at the EPF Counter as the husband (contributor) has to submit supporting documents.​
+
+
+---
+
+
+
+### How long does the cancellation of the i-Sayang contribution take?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The i-Sayang contribution cancellation takes a month after the request is made.
+
+
+---
+
+
+
+### What are the supporting documents required during i-Sayang cancellation process?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Supporting documents required for the i-Sayang cancelation process are as follows:​  
+ i. Divorce Certificate; OR  
+ ii. Wife's (recipient) Death Certificate​
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+Other Questions
+ View
+
+Frequently Asked Question
+
+
+## i-Sayang (Other FAQ Accordion)
+
+
+
+
+### When will i-Sayang contributions transfer be credited to the EPF wife’s EPF account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+i-Sayang contributions transfer will be credited to the wife’s (recipient) EPF account within one (1) day after the husband (contributor) receives his employee share contribution. The transfer also depends on the latest balance of the husband’s (contributor) account according to the sub account when the contributions transfer is made.
+
+
+---
+
+
+
+### Can the husband reclaim i-Sayang contributions credited to the wife's EPF account if there's a delay in reporting the divorce or wife's passing to the EPF?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. The husband must report to the EPF about the divorce or wife's passing immediately.
+
+
+---
+
+
+
+### Can the husband reclaim the contributions that have been transferred to the wife’s EPF account?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, the husband cannot reclaim the contributions that have been transferred to the wife's EPF account.
+
+
+---
+
+
+
+### Does the husband have to get consent from the wife to register i-Sayang?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No, because this initiative is for the husband to voluntarily transfer the 2% contribution to the wife's EPF account.
+
+
+---
+
+
+
+### How does the EPF divide the i-Sayang contribution of 2% into the wife's Akaun Persaraan, Akaun Sejahtera, and Akaun Fleksibel?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+The EPF divides the i-Sayang contribution of 2% into the wife's accounts by crediting 75% into Akaun Persaraan, 15% into Akaun Sejahtera, and 10% into Akaun Fleksibel.
+
+
+---
+
+
+
+### Can civil servant husbands or wives in the retirement service scheme register for i-Sayang without risking government shares that must be returned later?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, because no risk will occur as the transfer is based on the employee's shares and does not involve the employer's shares.
+
+
+---
+
+
+
+### Is it allowed to have different account types (Shariah or Conventional) for the husband and wife in the i-Sayang contribution transfer?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes. The difference in the account type (Shariah Savings or Conventional Savings) between the husband and wife does not have any implication to the transfer of the i-Sayang contribution.
+
+
+---
+
+
+
+### Why is the i-Sayang contribution limited to 2% only?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Over 80% of EPF members have a salary of RM5,000 or less. The starting rate of 2% allows for majority of husbands, who are EPF members, the opportunity to provide their wives with long-term savings and income security that is currently enjoyed by EPF members. However, the husband can make additional contributions to the wife’s EPF account through the voluntary contribution channel.
+
+
+---
+
+
+
+### Do the employers need to separate the contribution for the employees who register i-Sayang?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+No. The employers just need to make contributions as usual. The separation of contributions will be done by the EPF through the transfer of contributions from the husband's account to the wife's account.
+
+
+---
+
+
+
+### Is the i-Sayang contribution transfer amount displayed in the husband's and wife's annual EPF statement?
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Yes, the i-Sayang contribution transfer amount is displayed in the husband's and wife's EPF statement which can be checked through i-Akaun (Member).
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![iSayang Contribute Wife's Finances](/documents/20119/44167/Article+7+-+iSayang.png/b8f978fa-3344-4759-bb50-49ee1a50ea2b?t=1702010645649)
+
+PERSONAL FINANCE
+
+How Can You Contribute To Your Wife's Finances?](https://www.kwsp.gov.my/en/w/article/ensuring-wife-future) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)
+
+ACCOUNT
+
+EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+17+-+Simpanan+Shariah_New.jpg/55adb65b-cbad-8291-1925-e1794d6784d4?t=1709776397211)
+
+PERSONAL FINANCE
+
+Make Simpanan Shariah Your Choice of Retirement Planning](https://www.kwsp.gov.my/en/w/article/simpanan-shariah-retirement) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+24+-+Financial+Milestone_small.png/923bdf3b-d96f-7fa1-3a35-9841f1fddbd8?t=1720274907679)
+
+PERSONAL FINANCE
+
+Financial Milestones To Achieve Before Turning 30](https://www.kwsp.gov.my/en/w/article/achieve-money-goal) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

ahli_simpanan_mencarum-lebih-kadar-berkanun.md

@@ -0,0 +1,585 @@
+
+
+Contributing More Than the Statutory Rate - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Contributing More Than the Statutory Rate
+
+
+![](/documents/d/guest/banner-member-grow-ve-webp-1?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Member](https://www.kwsp.gov.my/en/member)
+2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+3. Contributing More Than The Statutory Rate
+
+
+
+
+
+
+
+#### Contributing More Than The Statutory Rate (Voluntary Excess)
+
+Save More For Your Future
+
+
+
+
+
+
+
+As a salaried employee, you have the option to contribute more towards your retirement savings. Either you or your employer, or both, may voluntarily contribute at a rate exceeding the statutory rate [as long as you meet the requirements].
+
+
+
+
+
+Who Can Apply
+
+## Asset Publisher
+
+
+
+
+![](/documents/20119/43963/Nomination+Icons.png/d8dacc77-b7d4-c018-a1da-fb9b50ab6cbd?t=1698042654103)
+
+
+
+Death Benefit
+
+Subject to EPF terms and conditions.
+
+
+
+
+![](/documents/20119/43963/MyImpian+Icons.png/ca64974f-c890-9a74-5e5f-4e98fac2b478?t=1698042664478)
+
+
+
+Tax Exemption
+
+Subject to IRB terms and conditions.
+
+
+
+
+![](/documents/20119/43963/MyIdaman+Icons.png/5ae87523-e633-8cc8-9f30-ce5004183e2b?t=1698042674959)
+
+
+
+Annual Dividend
+
+Enjoy annual dividends on top of your retirement savings.
+
+
+
+
+![](/documents/20119/43963/Scheme+Registration+Icons.png/d4dcdbf2-e1f9-eed4-b3aa-88b1acaa1c0f?t=1698042635846)
+
+
+
+Special Incentive
+
+Up to 15% of total contribution or max RM300 this year.
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Who Can Contribute?
+
+Employee
+
+
+
+
+
+
+Complete and submit [Borang KWSP 17A (AHL)/ KWSP 18A (AHL)](/documents/20119/44359/Form_BORANG%20PERMOHONAN%20PENDAFTARAN_PEMBATALAN%20MENCARUM%20MELEBIHI%20KADAR%20BERKANUN_BM.pdf/d0da65c3-3fdd-2904-0ed1-a6fcc514b331?t=1703646873831&preview) to their respective employers.
+
+
+
+
+
+
+Employer
+
+
+
+
+
+​No form is required if Employers opt to contribute more than the statutory rate for employers.  
+   
+ *Note: Employers need to submit VE (Employee’s Share) and VE (Employer’s Share) applications through i-Akaun (Employer)*
+
+
+
+
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+Documents
+
+[Download KWSP 17A (AHL)/18A (AHL)](/documents/20119/44359/Form_BORANG%20PERMOHONAN%20PENDAFTARAN_PEMBATALAN%20MENCARUM%20MELEBIHI%20KADAR%20BERKANUN_BM.pdf/d0da65c3-3fdd-2904-0ed1-a6fcc514b331?t=1703646873831&preview)
+
+
+
+
+
+
+* [Download KWSP 17A (AHL)/ 18A (AHL)](/documents/20119/44359/Form_BORANG%20PERMOHONAN%20PENDAFTARAN_PEMBATALAN%20MENCARUM%20MELEBIHI%20KADAR%20BERKANUN_BM.pdf/d0da65c3-3fdd-2904-0ed1-a6fcc514b331?t=1703646873831&preview)
+* [User guide](/documents/d/guest/easy-guide_panduan-pengguna-eve-normal-bm-)
+* [Frequently Asked Questions: Contributions above the statutory limit through i-Akaun (Employer)](/documents/d/guest/soalan-lazim-e-voluntary-excess-e-ve-bm-)
+
+
+
+
+[User Guide](/documents/d/guest/easy-guide_panduan-pengguna-eve-normal-bm-)
+
+
+
+[Frequently Asked Questions: Contributions above the statutory limit through i-Akaun (employer)](/documents/d/guest/soalan-lazim-e-voluntary-excess-e-ve-bm-)
+
+
+
+
+
+
+
+
+
+
+
+
+
+Related Articles
+
+These articles might inspire you
+
+
+## Asset Publisher
+
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+9+-+Employer+Responsibilities.png/735b8d3c-b627-e7f0-1326-24aa01ae986c?t=1702010644734)
+
+EMPLOYER
+
+Are You Fulfilling Your Duties as an Employer?](https://www.kwsp.gov.my/en/w/article/employer-responsibility-malaysia) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article+22-Employer+Contribution+Cover.webp/32c982b3-3823-d42a-f48e-e24d7c8552ac?t=1717127617655)
+
+EMPLOYER
+
+The Employer's Guide To EPF Contributions and Responsibilities](https://www.kwsp.gov.my/en/w/article/employer-contributions-for-employee) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44167/Article+26+Cover.webp/bf3a0205-9651-677a-3b7f-c1cadf3bc46d?t=1721379426711)
+
+PERSONAL FINANCE
+
+Retirement Planning Tips](https://www.kwsp.gov.my/en/w/article/retirement-planning-tips) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084)
+
+PERSONAL FINANCE
+
+Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) 
+
+
+
+[![text icon](/documents/d/guest/iconcontainer-2)
+
+
+![](/documents/20119/44467/Article32-featured.webp/1746a750-a06e-68f9-ca12-de71f7b3f110?t=1724728214638)
+
+PERSONAL FINANCE
+
+Merdeka From Debt Burdens](https://www.kwsp.gov.my/en/w/article/financial-independence) 
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

bantuan_anti-fraud.md

@@ -0,0 +1,589 @@
+
+
+Whistleblowing & Anti-Fraud - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Whistleblowing & Anti-Fraud
+
+![](/documents/d/guest/product-page-website-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Corporate](https://www.kwsp.gov.my/en/corporate)
+2. Whistleblowing & Anti‑Fraud
+
+
+
+
+
+
+
+#### Whistleblowing & Anti-Fraud
+
+Stand For What Is Right
+
+
+
+
+
+
+
+
+Taking a Stand Against Corruption
+
+At the EPF, we take corruption, fraud and abuse of power very seriously. Should you see, hear or know of any wrongdoings in connection with any person within the EPF, we urge that you come forward and report these individuals for investigation under the EPF Act 1991 and related laws. To encourage those with information to speak out without fear of repercussion, our Whistleblower Policy safeguards the identities of whistleblowers, enabling you to make a report directly with the Department of Integrity & Governance (JITU) and relevant authorities.
+
+
+
+
+
+
+
+
+
+
+
+Channels To Report Misconduct Issues Such As Corruption, Fraud And Abuse Of Power
+
+
+![icon card](/documents/d/guest/email?download=true)
+
+Email
+
+Drop us a message at [[email protected]](/cdn-cgi/l/email-protection)
+
+
+
+![icon card](/documents/d/guest/call?download=true)
+
+Call
+
+03-6122 6122 / Monday - Friday, 8:30am - 4:30pm
+
+
+
+![icon card](/documents/20119/44056/Institution.png/a50289e3-9a5a-6d67-298d-c74a6639cc0d?t=1701084610213&download=true)
+
+\*Walk-In or Mail
+
+
+
+
+
+
+\*Department of Integrity and Governance  
+ Level 9, Menara KWSP, No. 1, Persiaran Kwasa Utama,  
+ Pusat Bandar Kwasa Damansara, Seksyen U4, 40150 Shah Alam,  
+ Selangor Darul Ehsan.  
+  
+
+
+
+
+
+
+
+
+### Channels to report misconduct issues such as corruption, fraud and abuse of power
+
+
+
+
+
+
+
+
+
+
+![](/documents/d/guest/email?download=true)
+
+
+
+
+
+### Email
+
+
+
+
+
+Drop us a message [here](/cdn-cgi/l/email-protection#c3b0b3a6a2a8b6b383a6b3a5eda4acb5edaeba)
+
+
+
+
+
+
+
+
+
+
+
+![](/documents/d/guest/institution-1?download=true)
+
+
+
+
+
+### Walk-In or Mail
+
+
+
+
+
+
+**Department of Integrity and Governance**  
+ Level 9, Menara KWSP,  
+ No. 1, Persiaran Kwasa Utama,  
+ Pusat Bandar Kwasa Damansara,  
+ Seksyen U4, 40150 Shah Alam,  
+ Selangor Darul Ehsan.  
+  
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+![](/documents/d/guest/call?download=true)
+
+
+
+
+
+### Call
+
+
+
+
+
+03-6122 6122  
+ Monday - Friday :  
+ 8:30am - 4:30pm
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Remember To Include These Details In Your Report
+
+* Your name, contact number, address and email
+* The name, contact number and address of the individuals mentioned in your report
+* Evidence or witness accounts from people who can assist in the investigation
+* How, why, and when the incident happened
+
+
+
+
+
+
+
+
+
+Who Can Apply
+
+## Asset Publisher
+
+
+
+
+![](/documents/20119/43963/Nomination+Icons.png/d8dacc77-b7d4-c018-a1da-fb9b50ab6cbd?t=1698042654103)
+
+
+Death Benefit
+
+Subject to EPF terms and conditions.
+
+
+
+
+![](/documents/20119/43963/MyImpian+Icons.png/ca64974f-c890-9a74-5e5f-4e98fac2b478?t=1698042664478)
+
+
+Tax Exemption
+
+Subject to IRB terms and conditions.
+
+
+
+
+![](/documents/20119/43963/MyIdaman+Icons.png/5ae87523-e633-8cc8-9f30-ce5004183e2b?t=1698042674959)
+
+
+Annual Dividend
+
+Enjoy annual dividends on top of your retirement savings.
+
+
+
+
+![](/documents/20119/43963/Scheme+Registration+Icons.png/d4dcdbf2-e1f9-eed4-b3aa-88b1acaa1c0f?t=1698042635846)
+
+
+Special Incentive
+
+Up to 15% of total contribution or max RM300 this year.
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

bantuan_hubungi-kami_pertanyaan.md

@@ -0,0 +1,340 @@
+
+
+Hantar Pertanyaan - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Ahli](https://www.kwsp.gov.my/ms/ahli)
+[Log masuk
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Daftar Sebagai Ahli
+  Cara Mendaftar Dan Manfaat Sebagai Ahli](https://www.kwsp.gov.my/ms/ahli/gambaran-keseluruhan)
+  [![](/documents/d/guest/property-1-money)
+  Tambah Simpanan Anda
+  Caruman Wajib & Caruman Sukarela, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/ms/ahli/simpanan)
+  [![](/documents/d/guest/leaf-1)
+  Perancangan Kewangan
+  Pengeluaran Akaun Fleksibel, Pendidikan, Haji, Umur 50, Umur 55/60 & Melebihi RM1 Juta](https://www.kwsp.gov.my/ms/ahli/fasa-kehidupan)
+  [![](/documents/d/guest/property-1-health)
+  Perlindungan Kesihatan
+  Pelan Perlindungan Ahli, Pengeluaran Untuk Penyakit Kritikal, Rawatan Kesuburan & Hilang Upaya](https://www.kwsp.gov.my/ms/ahli/kesihatan)
+  [![](/documents/d/guest/property-1-home)
+  Pemilikan Rumah
+  Pilihan Pengeluaran Perumahan](https://www.kwsp.gov.my/ms/ahli/pengeluaran-rumah)
+  [![](/documents/d/guest/property-1-account-centre)
+  Urus Akaun KWSP Anda
+  Pengurusan Akaun & Penutupan Akaun](https://www.kwsp.gov.my/ms/ahli/akaun-pengguna)
+
+
+[Majikan](https://www.kwsp.gov.my/ms/majikan)
+[Log masuk
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Pendahuluan
+  Tanggungan Mencarum](https://www.kwsp.gov.my/ms/majikan/pendahuluan)
+  [![](/documents/d/guest/property-1-eye)
+  Tanggungjawab Majikan
+  Pendaftaran | Tanggungjawab | Kemas kini & Pematuhan](https://www.kwsp.gov.my/ms/majikan/tanggungjawab)
+  [![](/documents/d/guest/property-1-money)
+  Platform Dalam Talian
+  Kemudahan Di Hujung Jari Anda](https://www.kwsp.gov.my/ms/majikan/platform-online)
+
+
+[Korporat](https://www.kwsp.gov.my/ms/korporat)
+[Log masuk
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  Tentang KWSP
+  Kenali Kami & Ketahui Peranan Kami](https://www.kwsp.gov.my/ms/korporat/tentang-kwsp)
+  [![](/documents/d/guest/document-2)
+  Berita & Sorotan
+  Dapatkan Berita Terkini](https://www.kwsp.gov.my/ms/korporat/berita-sorotan)
+  [![](/documents/d/guest/property-1-graph)
+  Pelaburan
+  Informasi Dan Prestasi Pelaburan](https://www.kwsp.gov.my/ms/korporat/pelaburan)
+  [![](/documents/d/guest/property-1-variant15)
+  Kerjaya
+  Sertai KWSP](https://www.kwsp.gov.my/ms/korporat/kerjaya)
+  [![](/documents/d/guest/property-1-document)
+  Perolehan
+  Memohon Tender Atau Mengemukakan Sebutharga](https://www.kwsp.gov.my/ms/korporat/perolehan)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  Pusat Kecemerlangan Bagi Keselamatan Sosial](https://www.kwsp.gov.my/ms/korporat/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Rakan Niaga
+  Rujuk Senarai Terkini](https://www.kwsp.gov.my/ms/korporat/rakan-niaga)
+  [![](/documents/d/guest/property-1-variant14)
+  Hubungi KWSP
+  Kami Sedia Membantu](https://www.kwsp.gov.my/ms/korporat/hubungi-kami)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Bar Gelintar
+  
+  
+  
+  
+  Bar Gelintar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Cadangan :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Penerbit Aset
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/ms/w/artikel/simpanan-persaraan-pekerja-gig)
+  
+  KERJAYA
+  
+  Capai Kebebasan Kewangan Sebagai Pekerja Gig
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/ms/w/artikel/pengeluaran-rumah)
+  
+  PERUMAHAN
+  
+  Kini Semua Boleh Memiliki Rumah Dengan KWSP
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/ms/w/artikel/gaya-hidup-sihat)
+  
+  GAYA HIDUP
+  
+  Gaya Hidup Sihat : Kepentingan Mengamalkannya
+
+## Pemilih Bahasa
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Hantar Pertanyaan
+
+
+
+
+# Kemukakan Pertanyaan Anda Di Sini
+
+#### Sila pastikan maklumat diisi dengan tepat dan maklum balas akan diberikan dalam tempoh 3 hari bekerja.
+
+ 
+
+
+
+
+Tersembunyi
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Ahli
+
+## Menu Display
+
+
+
+
+* [Daftar Sebagai Ahli](https://www.kwsp.gov.my/ms/ahli/gambaran-keseluruhan)
+* [Tambah Simpanan Anda](https://www.kwsp.gov.my/ms/ahli/simpanan)
+* [Perancangan Kewangan](https://www.kwsp.gov.my/ms/ahli/fasa-kehidupan)
+* [Pemilikan Rumah](https://www.kwsp.gov.my/ms/ahli/pengeluaran-rumah)
+* [Perlindungan Kesihatan](https://www.kwsp.gov.my/ms/ahli/kesihatan)
+* [Urus Akaun KWSP Anda](https://www.kwsp.gov.my/ms/ahli/akaun-pengguna)
+
+
+
+
+
+
+Majikan
+
+## Menu Display
+
+
+
+
+* [Pendahuluan](https://www.kwsp.gov.my/ms/majikan/pendahuluan)
+* [Tanggungjawab Majikan](https://www.kwsp.gov.my/ms/majikan/tanggungjawab)
+* [Platform Dalam Talian](https://www.kwsp.gov.my/ms/majikan/platform-online)
+* [Program Pendidikan Majikan](https://www.kwsp.gov.my/ms/korporat/epf-learning-campus)
+
+
+
+
+
+
+Korporat
+
+## Menu Display
+
+
+
+
+* [Tentang KWSP](https://www.kwsp.gov.my/ms/korporat/tentang-kwsp)
+* [Berita & Sorotan](https://www.kwsp.gov.my/ms/korporat/berita-sorotan)
+* [Pelaburan](https://www.kwsp.gov.my/ms/korporat/pelaburan)
+* [Rakan Niaga](https://www.kwsp.gov.my/ms/korporat/rakan-niaga)
+* [Kerjaya](https://www.kwsp.gov.my/ms/korporat/kerjaya)
+* [Perolehan](https://www.kwsp.gov.my/ms/korporat/perolehan)
+* [EPF Learning Campus](https://www.kwsp.gov.my/ms/korporat/epf-learning-campus)
+* [Pemberi Maklumat & Anti‑Fraud](https://www.kwsp.gov.my/ms/korporat/anti-fraud)
+* [Hubungi KWSP](https://www.kwsp.gov.my/ms/korporat/hubungi-kami)
+* [Scam & Makluman](https://www.kwsp.gov.my/ms/korporat/berita-sorotan/scam-makluman)
+
+
+
+
+
+
+Lain-lain
+
+## Menu Display
+
+
+
+
+* [Terma & Syarat](https://www.kwsp.gov.my/ms/lain-lain/terma-dan-syarat)
+* [Dasar Privasi](https://www.kwsp.gov.my/ms/lain-lain/dasar-privasi)
+* [Dasar Keselamatan](https://www.kwsp.gov.my/ms/lain-lain/dasar-keselamatan)
+* [Penafian](https://www.kwsp.gov.my/ms/lain-lain/penafian)
+* [Tips Keselamatan Dalam Talian](https://www.kwsp.gov.my/ms/lain-lain/tips-keselamatan)
+* [Pautan Lain](https://www.kwsp.gov.my/ms/lain-lain/pautan-lain)
+* [Borang](https://www.kwsp.gov.my/ms/lain-lain/borang)
+* [Sumber Maklumat](https://www.kwsp.gov.my/ms/lain-lain/sumber-maklumat)
+* [Pencapaian](https://www.kwsp.gov.my/ms/lain-lain/pencapaian)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

bantuan_khidmat-nasihat-persaraan.md

@@ -0,0 +1,418 @@
+
+
+Relationship & Advisory - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Relationship & Advisory
+
+![](/documents/d/guest/banner_account_ras2-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Support](https://www.kwsp.gov.my/en/support)
+2. Relationship & Advisory (RA)
+
+
+
+
+
+
+
+#### Relationship & Advisory (RA)
+
+Professional Consultation
+
+
+
+
+
+
+
+
+Helping You Plan For A Better Retirement
+
+As part of the EPF's long-term plan to enhance its services, we aim to help members not only be financially literate, but also to understand the sustainable retirement options that can increase your retirement savings. We also conduct awareness programmes and basic education on retirement financial planning.
+
+
+
+
+
+
+
+
+
+
+
+What We Offer
+
+
+
+
+![icon card](/documents/d/guest/retirement-consultation-1-png?download=true)
+
+Retirement planning consultation
+
+
+
+
+![icon card](/documents/d/guest/retirement-financial-planning-png?download=true)
+
+Financial planning consultation
+
+
+
+
+![icon card](/documents/d/guest/epf-products-services-consultation-png-1?download=true)
+
+EPF Products and Services consultation
+
+
+
+
+
+
+Our Retirement Advisory Service is free-of-charge for EPF members.
+
+
+
+
+
+
+
+
+
+#### Visit your nearest [EPF office](https://iakaun.kwsp.gov.my/portal/member/location) today. We are here to assist you!
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

bantuan_rujukan.md

@@ -0,0 +1,448 @@
+
+
+Resource Centre - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Resource Centre
+
+
+![](/documents/d/guest/banner-others-resource-webp?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Others](https://www.kwsp.gov.my/en/others)
+2. Resource Centre
+
+
+
+
+
+
+
+#### Others
+
+Resource Centre
+
+
+
+
+
+
+
+
+# Resources
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Resources
+
+
+
+
+
+## Asset Publisher
+
+
+
+
+[References
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44041/Dividend+SS-1.png/b423de35-7cba-b760-2c78-7f16206eb9c5?t=1701082547626)](/others/resource-centre/references) 
+
+[Easy Guides
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44044/MyIdaman+Icons-1.png/ae2f22cb-ec7f-e84d-1874-05dd7b68758e?t=1701084714987)](/others/resource-centre/easy-guides) 
+
+[Tools
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44059/MyImpian+Icons.png/5b719d47-d441-e4a5-0c80-d89d0a7e824b?t=1701084595289)](/others/resource-centre/tools) 
+
+[Dividend
+
+Learn More
+ ![back chevron](/documents/20119/43936/Chev_Right.svg/f559aa41-e8c4-46c4-6eee-5110068ee696)
+
+
+![](/documents/20119/44038/Incentive.png/49a6c8d2-0945-96bf-22a0-e750e33ea3fb?t=1701082503391)](/others/resource-centre/dividend) 
+
+
+
+
+
+
+
+
+
+
+
+#### Year
+
+
+
+
+
+#### Simpanan Shariah  (Per Annum)
+
+
+
+
+#### Simpanan Konvensional  (Per Annum)
+
+
+
+
+
+
+---
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

cdn-cgi_l_email-protection#2c495c435f58494840455f586c495c4a024b435a024155.md

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+
+
+
+
+  
+Email Protection | Cloudflare
+
+
+
+
+
+
+
+
+
+
+
+
+Please enable cookies.
+# Email Protection
+
+## You are unable to access this email address kwsp.gov.my
+
+
+The website from which you got to this page is protected by Cloudflare. Email addresses on that page have been hidden in order to keep them from being accessed by malicious bots. **You must enable Javascript in your browser in order to decode the e-mail address**.
+
+If you have a website and are interested in protecting it in a similar way, you can [sign up for Cloudflare](https://www.cloudflare.com/sign-up?utm_source=email_protection).
+
+
+* [How does Cloudflare protect email addresses on website from spammers?](https://support.cloudflare.com/hc/en-us/articles/200170016-What-is-Email-Address-Obfuscation-)
+* [Can I sign up for Cloudflare?](https://support.cloudflare.com/hc/en-us/categories/200275218-Getting-Started)
+
+
+
+
+
+
+Cloudflare Ray ID: **8f8c01ea4a05e551**
+•
+Your IP:
+Click to reveal
+2001:d08:d7:ad4f:75e3:9502:d4b5:7a4f
+•
+
+Performance & security by [Cloudflare](https://www.cloudflare.com/5xx-error-landing)
+
+
+
+
+
+
+
+

cdn-cgi_l_email-protection#4c3f3c292d27393c0c293c2a622b233a622135.md

@@ -0,0 +1,53 @@
+
+
+
+
+  
+Email Protection | Cloudflare
+
+
+
+
+
+
+
+
+
+
+
+
+Please enable cookies.
+# Email Protection
+
+## You are unable to access this email address kwsp.gov.my
+
+
+The website from which you got to this page is protected by Cloudflare. Email addresses on that page have been hidden in order to keep them from being accessed by malicious bots. **You must enable Javascript in your browser in order to decode the e-mail address**.
+
+If you have a website and are interested in protecting it in a similar way, you can [sign up for Cloudflare](https://www.cloudflare.com/sign-up?utm_source=email_protection).
+
+
+* [How does Cloudflare protect email addresses on website from spammers?](https://support.cloudflare.com/hc/en-us/articles/200170016-What-is-Email-Address-Obfuscation-)
+* [Can I sign up for Cloudflare?](https://support.cloudflare.com/hc/en-us/categories/200275218-Getting-Started)
+
+
+
+
+
+
+Cloudflare Ray ID: **8f8a638dcdfc3945**
+•
+Your IP:
+Click to reveal
+2001:d08:d7:ad4f:75e3:9502:d4b5:7a4f
+•
+
+Performance & security by [Cloudflare](https://www.cloudflare.com/5xx-error-landing)
+
+
+
+
+
+
+
+

cdn-cgi_l_email-protection#a6c3d6c9d5d2c3c2cacfd5d2e6c3d6c088c1c9d088cbdf.md

@@ -0,0 +1,53 @@
+
+
+
+
+  
+Email Protection | Cloudflare
+
+
+
+
+
+
+
+
+
+
+
+
+Please enable cookies.
+# Email Protection
+
+## You are unable to access this email address kwsp.gov.my
+
+
+The website from which you got to this page is protected by Cloudflare. Email addresses on that page have been hidden in order to keep them from being accessed by malicious bots. **You must enable Javascript in your browser in order to decode the e-mail address**.
+
+If you have a website and are interested in protecting it in a similar way, you can [sign up for Cloudflare](https://www.cloudflare.com/sign-up?utm_source=email_protection).
+
+
+* [How does Cloudflare protect email addresses on website from spammers?](https://support.cloudflare.com/hc/en-us/articles/200170016-What-is-Email-Address-Obfuscation-)
+* [Can I sign up for Cloudflare?](https://support.cloudflare.com/hc/en-us/categories/200275218-Getting-Started)
+
+
+
+
+
+
+Cloudflare Ray ID: **8f8abefa4abfe541**
+•
+Your IP:
+Click to reveal
+2001:d08:d7:ad4f:75e3:9502:d4b5:7a4f
+•
+
+Performance & security by [Cloudflare](https://www.cloudflare.com/5xx-error-landing)
+
+
+
+
+
+
+
+

cdn-cgi_l_email-protection#c3b0b3a6a2a8b6b383a6b3a5eda4acb5edaeba.md

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+
+
+
+
+  
+Email Protection | Cloudflare
+
+
+
+
+
+
+
+
+
+
+
+
+Please enable cookies.
+# Email Protection
+
+## You are unable to access this email address kwsp.gov.my
+
+
+The website from which you got to this page is protected by Cloudflare. Email addresses on that page have been hidden in order to keep them from being accessed by malicious bots. **You must enable Javascript in your browser in order to decode the e-mail address**.
+
+If you have a website and are interested in protecting it in a similar way, you can [sign up for Cloudflare](https://www.cloudflare.com/sign-up?utm_source=email_protection).
+
+
+* [How does Cloudflare protect email addresses on website from spammers?](https://support.cloudflare.com/hc/en-us/articles/200170016-What-is-Email-Address-Obfuscation-)
+* [Can I sign up for Cloudflare?](https://support.cloudflare.com/hc/en-us/categories/200275218-Getting-Started)
+
+
+
+
+
+
+Cloudflare Ray ID: **8f8c001c1bf1e551**
+•
+Your IP:
+Click to reveal
+2001:d08:d7:ad4f:75e3:9502:d4b5:7a4f
+•
+
+Performance & security by [Cloudflare](https://www.cloudflare.com/5xx-error-landing)
+
+
+
+
+
+
+
+

cdn-cgi_l_email-protection#f88b889d99938d88b89d889ed69f978ed69581.md

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+
+
+
+
+  
+Email Protection | Cloudflare
+
+
+
+
+
+
+
+
+
+
+
+
+Please enable cookies.
+# Email Protection
+
+## You are unable to access this email address kwsp.gov.my
+
+
+The website from which you got to this page is protected by Cloudflare. Email addresses on that page have been hidden in order to keep them from being accessed by malicious bots. **You must enable Javascript in your browser in order to decode the e-mail address**.
+
+If you have a website and are interested in protecting it in a similar way, you can [sign up for Cloudflare](https://www.cloudflare.com/sign-up?utm_source=email_protection).
+
+
+* [How does Cloudflare protect email addresses on website from spammers?](https://support.cloudflare.com/hc/en-us/articles/200170016-What-is-Email-Address-Obfuscation-)
+* [Can I sign up for Cloudflare?](https://support.cloudflare.com/hc/en-us/categories/200275218-Getting-Started)
+
+
+
+
+
+
+Cloudflare Ray ID: **8f8a642278c03945**
+•
+Your IP:
+Click to reveal
+2001:d08:d7:ad4f:75e3:9502:d4b5:7a4f
+•
+
+Performance & security by [Cloudflare](https://www.cloudflare.com/5xx-error-landing)
+
+
+
+
+
+
+
+

cdn-cgi_l_email-protection.md

@@ -0,0 +1,53 @@
+
+
+
+
+  
+Email Protection | Cloudflare
+
+
+
+
+
+
+
+
+
+
+
+
+Please enable cookies.
+# Email Protection
+
+## You are unable to access this email address kwsp.gov.my
+
+
+The website from which you got to this page is protected by Cloudflare. Email addresses on that page have been hidden in order to keep them from being accessed by malicious bots. **You must enable Javascript in your browser in order to decode the e-mail address**.
+
+If you have a website and are interested in protecting it in a similar way, you can [sign up for Cloudflare](https://www.cloudflare.com/sign-up?utm_source=email_protection).
+
+
+* [How does Cloudflare protect email addresses on website from spammers?](https://support.cloudflare.com/hc/en-us/articles/200170016-What-is-Email-Address-Obfuscation-)
+* [Can I sign up for Cloudflare?](https://support.cloudflare.com/hc/en-us/categories/200275218-Getting-Started)
+
+
+
+
+
+
+Cloudflare Ray ID: **8f8a638dadc93945**
+•
+Your IP:
+Click to reveal
+2001:d08:d7:ad4f:75e3:9502:d4b5:7a4f
+•
+
+Performance & security by [Cloudflare](https://www.cloudflare.com/5xx-error-landing)
+
+
+
+
+
+
+
+

corporate_connect-with-us.md

@@ -0,0 +1,556 @@
+
+
+Connect With Us - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Connect With Us
+
+![](/documents/d/guest/banner-corporate-connect-webp?download=true)
+
+## Breadcrumb
+
+
+
+
+1. [Corporate](https://www.kwsp.gov.my/en/corporate)
+2. Connect With Us
+
+
+
+
+
+
+
+#### Connect With Us
+
+Get In Touch With Us
+
+
+
+
+
+
+
+
+Our Location
+
+#### Headquarters (HQ)
+
+Menara KWSP,  
+ No. 1, Persiaran Kwasa Utama,  
+ Kwasa Damansara, Seksyen U4,  
+ 40150 Shah Alam, Selangor.
+
+
+
+
+
+[Offices & SST](https://iakaun.kwsp.gov.my/portal/member/location)
+
+
+
+
+[Mobile KWSP](https://iakaun.kwsp.gov.my/portal/member/location/team)
+
+
+
+
+
+
+
+Please click [here](https://www.kwsp.gov.my/documents/d/guest/lokasi-mesin-self-service-terminal-ver20241119-1-) for information on SST locations and their operating hours.
+
+
+
+
+
+
+
+
+
+
+Relationship & Advisory (RA)
+
+EPF aims to enhance services by promoting financial literacy and sustainable retirement options, while also offering awareness programmes and basic retirement planning education.
+
+
+
+
+[Learn More](/support/retirement-advisory-service)
+
+
+
+
+
+
+
+
+
+
+
+
+Social Media
+
+Follow us on social media for tips towards a better retirement and financial advice from our experts.  
+   
+ ***Disclaimer**  
+ EPF engages in social media for positive activities related to financial knowledge, announcements, and promotions. We will not entertain negative comments.*
+
+
+
+
+[![](/documents/d/guest/fb?download=true)](https://bit.ly/44GWuPh)
+
+
+
+
+[![](/documents/d/guest/x?download=true)](https://bit.ly/3sRDj88)
+
+
+
+
+[![](/documents/d/guest/ig?download=true)](https://bit.ly/3PaTULI)
+
+
+
+
+[![](/documents/d/guest/yt?download=true)](https://bit.ly/3r0zfCd)
+
+
+
+
+[![](/documents/d/guest/tiktok?download=true)](https://bit.ly/3PrIFQC)
+
+
+
+
+[![](/documents/d/guest/li?download=true)](https://bit.ly/3rcgcom)
+
+
+
+
+
+
+
+
+
+
+
+**Only one step is needed to change your future:**
+
+
+
+
+### #SimpanBaikBaik
+
+
+
+
+
+
+Explore inspirational stories from everyday people who have shared how they saved wisely for their dream retirement. Through their personal narratives, discover how you can achieve your goals, create meaningful memories, enhance the potential of your loved ones, and secure your health protection – without compromising your finances.
+
+
+
+
+
+
+![](/documents/d/guest/sbb-all-png?download=true)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Enquiry
+
+#### How may we assist you?
+
+
+
+
+[Submit Enquiry](/corporate/connect-with-us/enquiry)
+
+
+
+
+[Check Enquiry Status](/corporate/connect-with-us/enquiry-status)
+
+
+
+
+
+
+
+
+
+
+
+Note: Download List of SST Locations & Operating Hours [here](/documents/d/guest/self-service-terminal-locations-ver20240408-).
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+## Protect Yourself from Scams!
+
+
+
+
+**Stay vigilant!** Scammers may try to steal your hard-earned money by using phishing attempts, fake websites, or impersonating EPF officials.
+
+If you fall victim to scam, immediately contact the National Scam Response Center (NSRC) at 997 and EPF via [Speak Up](https://www.kwsp.gov.my/ms/korporat/anti-fraud) to report the incident and seek assistance.    
+
+
+
+
+
+
+[Stay informed and learn more about KWSP scams](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

corporate_connect-with-us_enquiry-status.md

@@ -0,0 +1,340 @@
+
+
+Check Your Inquiry - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Check Your Inquiry
+
+
+
+
+# Check Your Enquiry Status
+
+#### In just a few easy steps
+
+ 
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

corporate_connect-with-us_enquiry.md

@@ -0,0 +1,340 @@
+
+
+Submit An Inquiry - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Submit An Inquiry
+
+
+
+
+# Submit Your Enquiry Here
+
+#### Please ensure that the information is filled in correctly and our team will get back to you within 3 working days.
+
+ 
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

corporate_panel-institutions.md

@@ -0,0 +1,716 @@
+
+
+Business Partners - KWSP Malaysia
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+* [Skip to Main Content](#main-content)
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)
+
+## Menu Display
+
+
+
+
+[Member](https://www.kwsp.gov.my/en/member)
+[Login
+![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/register)
+  Register As A Member
+  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
+  [![](/documents/d/guest/property-1-money)
+  Grow Your Savings
+  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
+  [![](/documents/d/guest/leaf-1)
+  Financial Life Stages
+  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
+  [![](/documents/d/guest/property-1-health)
+  Health Protection
+  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
+  [![](/documents/d/guest/property-1-home)
+  Home Ownership
+  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
+  [![](/documents/d/guest/property-1-account-centre)
+  Manage Your EPF Account
+  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+[Employer](https://www.kwsp.gov.my/en/employer)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-users)
+  Introduction
+  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
+  [![](/documents/d/guest/property-1-eye)
+  Employer Responsibilities
+  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
+  [![](/documents/d/guest/property-1-money)
+  Online Platform
+  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)
+
+
+[Corporate](https://www.kwsp.gov.my/en/corporate)
+[Login
+![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
+  
+  ![](/documents/d/guest/chev-left)[Back](#)
+  
+  [![](/documents/d/guest/property-1-eye)
+  About Us
+  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
+  [![](/documents/d/guest/document-2)
+  News & Highlights
+  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
+  [![](/documents/d/guest/property-1-graph)
+  Investment
+  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
+  [![](/documents/d/guest/property-1-variant15)
+  Careers
+  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
+  [![](/documents/d/guest/property-1-document)
+  Procurement
+  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
+  [![](/documents/d/guest/property-1-buildings-landmarks)
+  EPF Learning Campus
+  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+  [![](/documents/d/guest/property-1-human)
+  Business Partners
+  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
+  [![](/documents/d/guest/property-1-variant14)
+  Connect With Us
+  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+
+
+
+
+
+
+
+
+
+
+
+- [![](/documents/d/guest/frame-9780-1)](#)
+  
+  
+  ## Search Bar
+  
+  
+  
+  
+  Search Bar
+  
+  ![](/documents/d/guest/button)
+  
+  ![](/documents/d/guest/button-1)
+  
+  
+  
+  #### Suggestions :
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  
+  ## Asset Publisher
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
+  
+  CAREER
+  
+  Unlocking Financial Freedom in the Gig Economy
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
+  
+  HOUSING
+  
+  Now Everyone Can Own a Home with EPF
+  
+  
+  
+  
+  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
+  
+  LIFESTYLE
+  
+  Being Healthy: What It Means To You
+
+## Language Selector
+
+
+
+
+EN
+
+EN
+
+BM
+
+
+
+
+
+
+
+
+
+
+
+
+[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
+[![](/documents/d/guest/profile-main11)](#)
+
+![](/documents/d/guest/hamburger-menu11)
+
+
+
+
+
+
+
+## Business Partners
+
+
+![](/documents/d/guest/banner-corporate-partner-webp?download=true)
+
+
+## Breadcrumb
+
+
+
+
+1. [Corporate](https://www.kwsp.gov.my/en/corporate)
+2. Business Partners
+
+
+
+
+
+
+
+#### Corporate
+
+Business Partners
+
+
+
+
+
+
+
+To ensure all your applications go smoothly, make sure you refer to our list of EPF panel banks or get all your documents certified by the right authorised persons.
+
+
+
+
+
+* Panel Institutions
+* Authorised Persons
+
+#### 
+
+## Panel Institutions Accordion
+
+
+
+
+### Current/ Saving Account Direct Crediting
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Affin Bank Bhd
+2. Agrobank
+3. Alliance Bank Bhd
+4. Al-Rajhi Banking & Investment Corporation (Malaysia) Bhd
+5. AmBank Bhd
+6. Bank Islam (M) Bhd
+7. Bank Kerjasama Rakyat Malaysia Bhd
+8. Bank Muamalat Bhd
+9. Bank Simpanan Nasional
+10. CIMB Bank Bhd
+11. Citibank Bhd
+12. Hong Leong Bank Bhd
+13. HSBC Amanah Malaysia Bhd
+14. HSBC Bank Bhd
+15. Kuwait Finance House (Malaysia) Bhd
+16. Maybank Bhd
+17. MBSB Bank Bhd
+18. OCBC Bhd
+19. Public Bank Bhd
+20. RHB Bank Bhd
+21. Standard Chartered Bank Bhd
+22. Standard Chartered Saadiq Bhd
+23. United Overseas Bank Bhd
+
+---
+
+
+
+### Housing Loan Account Direct Crediting Panel Banks
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Affin Bank Bhd
+2. Agrobank
+3. Alliance Bank Malaysia Bhd
+4. Ambank (M) Bhd
+5. Bank Islam (M) Bhd
+6. Bank Kerjasama Rakyat Malaysia Bhd
+7. Bank Simpanan Nasional
+8. CIMB Bank Bhd
+9. Hong Leong Bank Bhd
+10. HSBC Bank (M) Bhd
+11. Maybank Bhd
+12. OCBC Bank Bhd
+13. Public Bank Bhd
+14. RHB Bank Bhd
+15. United Overseas Bank (Malaysia) Bhd
+16. MBSB Bank Bhd
+17. Al-Rajhi Bank (M) Bhd
+
+---
+
+
+
+### PR1MA Panel Bank
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. AmBank
+2. CIMB
+3. Maybank
+4. RHB
+
+---
+
+
+
+### Fund Management Institutions
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. AHAM Asset Management Berhad
+2. Amanah Saham Nasional Berhad
+3. Amanah Saham Sarawak Berhad
+4. AmFunds Management Berhad
+5. Astute Fund Management Berhad
+6. Eastspring Investments Berhad
+7. Hong Leong Asset Management Bhd
+8. KAF Investment Funds Berhad
+9. Kenanga Investors Berhad
+10. Manulife Investment Management (M) Berhad
+11. MIDF Amanah Asset Management Berhad
+12. Pheim Unit Trusts Berhad
+13. PMB Investment Berhad
+14. Principal Asset Management Berhad
+15. Public Mutual Berhad
+16. RHB Asset Management Sdn Bhd
+17. RHB Islamic International Asset Management Berhad
+18. TA Investment Management Berh
+
+---
+
+
+
+### Participating Institutions Under e-Pengeluaran Buy/ Build Home
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Affin Bank Bhd
+2. Bank Islam (M) Bhd
+3. CIMB Bank Bhd
+4. MBSB Bank Bhd
+5. RHB Bank Bhd
+
+---
+
+
+
+### Participating Institutions Under e-Pengeluaran Reduce/Redeem Housing Loan and Housing Loan Monthly Instalment
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+1. Affin Bank Bhd
+2. Alliance Bank Bhd
+3. AmBank Bhd
+4. Bank Islam (M) Bhd
+5. Bank Muamalat (M) Bhd
+6. Bank Simpanan Nasional (BSN)
+7. CIMB Bank Bhd
+8. Hong Leong Bank Bhd
+9. Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA)
+10. MBSB Bank Bhd
+11. Maybank Bhd
+12. OCBC Bank
+13. Public Bank Bhd
+14. RHB Bank Bhd
+15. United Overseas Bank (UOB) Bhd
+
+---
+
+
+
+### Participating Institutions Under e-Pengeluaran Education
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+Higher Learning Institutions:
+
+* International Islamic University Malaysia (IIUM)
+* Multimedia University (MMU)
+* Open University Malaysia (OUM)
+* Universiti Teknologi MARA (UiTM)
+* UNITAR International University
+* Universiti Putra Malaysia Kampus Serdang (UPM)
+* UTMSPACE
+* Universiti Tenaga Nasional (UNITEN)
+* Universiti Malaya (UM)
+* Kolej Universiti Islam Antarabangsa Selangor (KUIS)
+* Pusat Kembangan Pendidikan Universiti Kebangsaan Malaysia (PKP UKM)
+* Admal Aviation College (Admal)
+* Universiti Malaysia Pahang (UMP)
+* University of Malaya Centre for Continuing Education (UMCCed)
+* Universiti Tun Abdul Razak (UNIRAZAK)
+* Universiti Teknologi Malaysia Johor Bahru (UTMJB)
+* Universiti Tun Hussein Onn Malaysia (UTHM)
+* Universiti Teknikal Malaysia Melaka (UTeM)
+* Allied Aeronautics Training Centre Sdn Bhd (AATC)
+* UMP Advance
+* Asia e-University (AeU)
+* Universiti Utara Malaysia (UUM)
+* Help University
+* Universiti Kuala Lumpur (UniKL-RCMP)
+* Heriot-Watt University
+* Pusat Pendidikan Profesional Dan Lanjutan Universiti Utara Malaysia (PACE UUM)
+* Putra Business School (PBS)
+* Universiti Kebangsaan Malaysia (UKM)
+* Management & Science University (MSU)
+* UPM Education & Training (UPMET)
+* Universiti Sains Malaysia (USM)  
+   - Kampus Induk  
+   - Kampus Kesihatan  
+   - Kampus Kejuruteraan
+* Universiti Sultan Zainal Abidin (UniSZA)
+* Universiti Taylor’s (Taylor’s University)
+* Universiti Teknologi Petronas (UTP)
+
+---
+
+Education Loan Provider:
+
+* Majlis Amanah Rakyat (MARA)
+* National Higher Education Fund Corporation (PTPTN)
+* Social Security Organisation (SOCSO)
+* Yayasan ANGKASA
+* Perbadanan Tabung Pembangunan Kemahiran (PTPK)
+* Tabung Kumpulan Wang Biasiswa Negeri Selangor (TKWBNS)
+* Yayasan Peneraju
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+#### 
+
+
+
+
+
+
+#### 
+
+#### Get It Certified By Our Authorised Persons
+
+
+
+
+
+Before making your withdrawals over the counter, do ensure your necessary documents have been verified by the relevant parties. For Members Investment Scheme, applications are submitted through the appointed Fund Management lnstitutions.
+
+
+
+#### 
+
+## Authorised Persons Accordion
+
+
+
+
+### Applicants In Malaysia
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+| Documents | Authorised Persons |
+| --- | --- |
+| Copy of MyKad/Passport and other supporting documents | * EPF Officer (Grade 18/G5 and above or Officer at counter) * Malaysia Embassy Officer/High Commission/Consulate of Applicant's Country in Malaysia * Applicant's Employer * Head of Village/ Penghulu/ Penggawa * Justice of Peace * Advocates and Solicitors * Government Officer/Statutory Bodies/Government Agencies in Management and Professional Group * State Assemblyman * Member of Parliament * Head of Village Department and Security Committee (JKKK) / Head of Federal Village Department and Security Committee (JKKKP) |
+| Copy of payment receipt for learning fees | * Public Institutes of Higher Learning Officer * EPF Officer (Grade 18/G5 and above or Officer at counter) |
+| Recognising course approval letter and any other documents issued by a private institute of higher learning | * Officer of private institute of higher learning |
+| Members Investment Scheme | * Authorised Signatory of Fund Management Institution (FMI) |
+| Leaving The Country Withdrawal | * EPF Officer (Grade 18/G5 and above or Officer at counter) * Malaysia Embassy Officer/High Commission/Consulate of Applicant's Country in Malaysia * Applicant's Employer |
+| | Housing Withdrawal - All main and supporting documents |  | | --- | --- | | * EPF Officer (Grade 18/G5 and above or Officer at counter) * Lawyer that facilitated your house purchase/loan process * Bank Officer that facilitated your Housing Loan |
+
+
+---
+
+
+
+### Applicants Abroad
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+| Documents | Authorised Persons |
+| --- | --- |
+| Copy of Identification Card and other supporting documents | * Malaysian Embassy * Malaysian High Commission/Consulate * Malaysian Trades Commission * Public Notary * Head of International University Student Office of said university university (Education withdrawal only) |
+
+
+---
+
+
+
+### Death Withdrawal Application
+
+
+![back chevron](/documents/d/guest/more-1)
+
+
+| Documents | Certifying Officers |
+| --- | --- |
+| Copy of MyKad and other supporting documents | * EPF Officer (Grade 18/G5 and above or Officer at counter) * Applicant's Employer * Head of Village/ Penghulu/ Penggawa * Justice of Peace * Advocates and Solicitors * Government Officer/Statutory Bodies/Government Agencies in Management and Professional Group * State Assemblyman * Member of Parliament |
+| Copy Letter of Administration / Grant of Probate OR On-Line Printed of Letter of Administration/Grant of Probate | * Respective authority that issued Letter of Administration / Grant of Probate * EPF Officer (Grade 18/G5 and above or Officer at counter) |
+| Copy of Bank Accounts | * EPF Officer (Grade 18/G5 and above or Officer at counter) * Authorised bank |
+
+
+---
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Hidden
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
+Take control on your financial future.
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)
+
+![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)
+
+Member
+
+## Menu Display
+
+
+
+
+* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
+* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
+* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
+* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
+* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
+* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
+
+
+
+
+
+
+Employer
+
+## Menu Display
+
+
+
+
+* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
+* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
+* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
+* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+
+
+
+
+
+
+Corporate
+
+## Menu Display
+
+
+
+
+* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
+* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
+* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
+* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
+* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
+* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
+* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
+* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
+* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
+* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)
+
+
+
+
+
+
+Others
+
+## Menu Display
+
+
+
+
+* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
+* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
+* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
+* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
+* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
+* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
+* [Forms](https://www.kwsp.gov.my/en/others/forms)
+* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
+* [Achievements](https://www.kwsp.gov.my/en/others/achievements)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+

documents_20119_386485_WDW_004_Withdrawal%20Cancellation.pdf.md

@@ -0,0 +1,49 @@
+PERMOHONAN PEMBATALAN PENGELUARAN KWSP
+WITHDRAWAL CANCELLATION APPLICATION WDW 004
+SILAGUNAKANPENDAKWATHITAM SAHAJADANPENGGUNAANCECAIRPEMADAMTIDAKDIBENARKAN
+(A)MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+1. NO. AHLI KWSP 2. NO. MyKad - -
+EPF MEMBERSHIP NO. MyKadNo.
+3. N OTO HE. RP IE DEN NG TIFE ICN ATA IOL NA DN O CD UMIR EI N TL NA OI .N K POA LID CE K AUU TA HOS RA IT YP CO ARL DIS M Myy TeT ne ten ratera P PAA SSS PP OO RTRT NO.:
+4.NAMA PENUH
+FULL NAME
+5. JENIS PENGELUARAN (TIDAK TERPAKAI BAGI PERMOHONAN PENGELUARAN PELABU-
+TYPE OF WITHDRAWAL RAN AHLI /NOT APPLICABLE FOR MEMBERS INVESTMENT WITHDRAWAL APPLICATION)
+6. SEBAB PEMBATALAN
+PENGELUARAN AHLI TELAH MENINGGAL DUNIA
+REASON FOR WITHDRAWAL MEMBER HAS PASSED AWAY
+CANCELLATION
+AHLI TELAH MEMBATALKAN PEMBELIAN RUMAH
+MEMBER HAS CANCELLED THEIR HOUSE PURCHASE
+PINJAMAN PERUMAHAN TIDAK DILULUSKAN
+HOUSE LOAN FACILITY WAS NOT APPROVED
+AHLI MEMILIH JENIS PENGELUARAN LAIN/ TIDAK INGIN MENERUSKAN PENGELUARAN
+MEMBER HAS OPTED FOR ANOTHER WITHDRAWAL/ NO LONGER WISHES TO PROCEED WITH THE WITHDRAWAL APPLICATION
+AHLI MEMBUAT LEBIH DARIPADA SATU PENGELUARAN PADA SATU MASA
+MEMBER APPLIED FOR MORE THAN ONE WITHDRAWAL CONCURRENTLY
+AHLI TIDAK INGIN MENERUSKAN PENGELUARAN
+MEMBER NO LONGER WISHES TO PROCEED WITH THE WITHDRAWAL APPLICATION
+LAIN-LAIN (NYATAKAN)
+OTHER REASON (PLEASE ELABORATE)
+(B)PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYA MENGAKU TANDATANGAN INI ADALAH MILIK SAYA DAN DENGAN MENANDATANGANI BORANG INI SAYA BERSETUJU UNTUK MEMBATALKAN
+PENGELUARANSEPERTIYANGDINYATAKANDIATAS./ICONFIRMTHATTHISSIGNATUREBELONGSTOMEANDIAGREETOCANCELTHEWITHDRAWALASSTATED
+ABOVEUPONSIGNINGTHISFORM.
+2.PERSETUJUANINIMEMBATALKANPERMOHONANPENGELUARANYANGDINYATAKANDIATASSEKIRANYABELUMDILULUSKAN./IAGREETHATTHEWITHDRAWAL
+STATEDABOVE,IFITHASYETTOBEAPPROVED,SHALLBECANCELED.
+CAP IBU JARI (KIRI) / CAP IBU JARI (KANAN) /
+THUMB PRINT (LEFT) THUMB PRINT (RIGHT)
+TANDATANGAN PEMOHON
+APPLICANT’S SIGNATURE
+TARIKH PERMOHONAN (HH-BB-TTTT) - -
+DATE OF APPLICATION (DD-MM-YYYY)
+UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+TARIKH TERIMA(HH-BB-TTTT) - -
+RECEIPT DATE (DD-MM-YYYY)
+NO. ANGGOTA
+STAFF NO.
+CAWANGAN
+BRANCH OFFICE
+CAP TERIMA / STAMP OF RECEIPT
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP WDW 004) 1/1

documents_20119_44353_Form_KWSP_9B_AHL_BM.pdf_23e79551-12e4-1c94-a93a-c406e369e855.md

@@ -0,0 +1,350 @@
+SENARAI SEMAK DOKUMEN PERMOHONAN
+PENGELUARAN UMUR 50 TAHUN/ UMUR 55 TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN/ SIMPANAN MELEBIHI RM 1 JUTA
+PEMOHONDINASIHATKAN MEMBACADENGANTELITIARAHANDIBAWAHSEBELUMMENGISIBORANG
+ SILAGUNAKANPENDAKWATHITAMDENGANTERANGDANJELASDALAMHURUFBESAR
+ SALINAN DOKUMEN HENDAKLAH MENGGUNAKAN KERTAS SAIZ A4 DAN DIKLIPKAN BERSAMA-
+SAMA BORANGPERMOHONAN[TIDAKMENGGUNAKAN DAWAIKOKOT(STAPLES)]
+ CAPIBUJARIHENDAKLAHDITURUNKAN DENGAN TERANG DAN JELAS MENGGUNAKAN PADCAP
+IBU JARIBERWARNAHITAM
+ PENGGUNAANCECAIRPEMADAMTIDAKDIBENARKANPADABORANGPERMOHONANDAN
+DOKUMEN SOKONGANPENGELUARANKWSP
+1.0 SENARAIDOKUMENYANGDIPERLUKAN
+BIL. DOKUMENUTAMA
+1. BorangPengeluaranKWSP9B
+(AHL)Nota:
+Ahlitidak perlumengisiBorangPermohonanKWSP9B(AHL) kecuali bagiahlibukanwarganegaradanwarganegarayang
+tiadaMyKad iaitupemegangkadpengenalan lama,kadpengenalan Polis/Tentera,pasport/permohonanyangdihantar
+menerusipos/wakilahli.
+2. KadPengenalanDiri
+(a) MyKad/KadPengenalanTentera/KadPengenalanPemastautinTetap
+(MyPR)ATAU
+(b) KadPengenalanPolisDANSuratPengesahanMajikanmenyatakanno.Polisdanno.KadPengenalanDirimerujuk
+kepadaorangyangsama(jikatidakmemilikiMyKad/KadPengenalanPolisyangtidakterterano.KadPengenalanDiri
+ATAU
+c) Pasport.BagiahlibukanwarganegaraMalaysia.
+Nota:
+ Warganegara Malaysia yang mengemukakanpermohonan dari luarnegara dan memohonbayaran secaraDraf Bank
+Asingperlumengemukakandokumentambahaniaitusalinanpasportyangmasihsahlaku
+ Salinan Kad Pengenalan tidak perlu sekiranya ahli pemegang MyKad dan Pengecaman Cap Ibu Jari ahli dengan
+PengkalanDataKWSPatauBacaanMyKadadalahpadan.
+ AhliyangtidakmemilikiMyKaddan/ataudokumenpermohonanmelaluipos/wakilmasihperlumengemukakansalinan
+dokumenpengenalandirimasing-masing.
+ SalinanKadPengenalan PERLUdibuatdikedua-duabahagian(depandanbelakang)diatassekepingkertassaizA4
+seperticontohdibawah:
+3. PembayaranSecaraPengkreditanTerusKeAkaunBankAhli
+BukuBank/Penyata AkaunSimpanan ATAU Penyata AkaunSemasaATAU Surat Pengesahan Bank Mengenai Butiran
+PemegangAkaunATAUCetakanButiranPemegangAkaunMelaluiLamanWeb.
+Nota:
+ MempunyaiakaundibankpanelKWSPyangdilantik
+ Akaunbankmestilahyangmasihaktif(Ahlidigalakkanmembawabukuakaunbank/penyataakaunbank/salinan
+akaunbanksemasamembuatpermohonanpengeluaran)
+DOKUMENTAMBAHAN
+1. PermohonanSecaraPos
+ BorangPermohonanPendaftaranAhlidanPindaanMaklumat(KWSP3)
+2. BagiPengeluaranUmur50/Umur55/Umur60Tahun,jikatarikhlahirahliberbezadiantaraKadPengenalanDiri
+dengantarikhlahirsebenar,silakemukakan:
+ SijilLahirATAUSuratPengesahanKadPengenalandariJabatanPendaftaranNegara(JPN)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 1/3
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+SENARAI SEMAK DOKUMEN PERMOHONAN
+PENGELUARAN UMUR 50 TAHUN /UMUR 55 TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN/ SIMPANAN MELEBIHI RM 1 JUTA
+3. BagiPengeluaranUmur50Tahun/Umur55Tahun/Umur60TahunjikaahliadalahbekaswarganegaraMalaysia
+yang menjadi ahli sebelum 1Ogos1995, yang tidakdapatmengemukakankad pengenalan diriatas sebab-sebab
+tertentu,perlumengemukakandokumenberikut:
+ Pasport
+ SijilKerakyatan
+ Lain-laindokumenpengenalandiri
+2.0 PERHATIANDANMAKLUMANKEPADAPEMOHON
+1. KWSP berhak meminta apa-apa dokumen tambahan sekiranya diperlukan dan menolak mana-mana permohonan yang tidak
+lengkap dan tidak memenuhi syarat yang ditetapkan.
+2. Ahli dinasihatkan menyemak kelayakan di risalah pengeluaran / maklumat lanjut di laman web KWSP (myEPF) terlebih dahulu
+sebelum mengemukakan permohonan pengeluaran.
+3. Pengeluaran Umur 50 Tahun hanya boleh dibuat sekali sahaja bagi setiap ahli.
+4. 4 Pengeluaran yang layak dibuat oleh ahli :-
+BUKANWARGANEGARAMALAYSIA
+WARGANEGARA
+JENIS PENGELUARAN
+MALAYSIA MenjadiAhlisebelum MenjadiAhliselepas
+Ogos1998 Ogos1998
+PengeluaranUmur50Tahun   
+PengeluaranUmur55Tahun
+  
+(Penuh)
+PengeluaranUmur55Tahun
+  
+(Kombinasi)
+PengeluaranUmur60Tahun
+  
+(Penuh)
+PengeluaranUmur60Tahun
+  
+(Kombinasi)
+SimpananMelebihiRM1Juta   
+5.Kaedah Bayaran bagi Pengeluaran Umur 55 Tahun / Pengeluaran Umur 60 Tahun
+BUKAN
+WARGANEGARA
+WARGA
+KELAYAKANPENGELUARAN MenjadiAhli MenjadiAhli
+NEGARA sebelum pada/
+1Ogos1998 selepas
+1Ogos1998
+BIL.
+KesemuaSimpanan
+1.   
+ Bolehmemohonpadabila-bilamasa
+SebahagianSimpanan
+2.  Tiadahadamaunminimum   
+ Bolehmemohonpadabila-bilamasa
+BayaranBulanan
+ PengeluaranminimumRM1,200.00iaituRM100.00sebulan
+3. untuksekurang-kurangnya12 bulan   
+ Hadtempohmaksimumbayaranbulanansehinggaumur100
+tahun
+Kombinasi
+4. (SebahagianSimpanandanBayaranBulanan)   
+*Rujukkelayakanitem2&3
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 2/3
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+SENARAI SEMAK DOKUMEN PERMOHONAN
+PENGELUARAN UMUR 50 TAHUN/ UMUR 55 TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN/ SIMPANAN MELEBIHI RM 1 JUTA
+PengeluaranDividenTahunan
+ Permohonan Bayaran Dividen Tahunan ke atas simpanan
+tahunsebelumnyasecarasekaligus(lumpsum)
+5. BayaranDividensecaraBulanan   
+ Pengeluaran minimum RM600.00 iaitu RM100.00 sebulan
+untuksekurangkurangnya6bulan
+ Tempohbayaranminimum6bulandanmaksimumsehingga12
+bulan
+6. AnggotaSektorAwamDiBawahSkimPencenKerajaan
+BagipermohonanPengeluaranUmur55Tahun/ Umur60Tahun, ahli dinasihatkanuntukmemastikanpengembaliansyer
+kerajaantelahdibuatkepadaJabatanPerkhidmatanAwam(JPA)sebelumpermohonandikemukakan.Inibagimemastikan
+syerkerajaandikembalikankepadaKWAPbagipembayaranganjarandanpencen.
+7. MembuatKenyataanYangTidakBetulAtauTidakBenarAtauMengemukakanDokumenPalsu
+Sekiranyapemohonmemberikenyataanyangtidakbetulatautidakbenarataumengemukakandokumenpalsu,pemohon
+dianggaptelahmelakukankesalahandansekiranyadisabitkanpemohonbolehdipenjarakanselamasuatutempohyangtidak
+melebihitigatahunataudidendatidakmelebihiRM10,000.00ataukedua-duanya[Seksyen59,AktaKWSP1991(Pindaan)
+2007].
+8. Pertuduhanahlibagikesfraud/Penipuanmasihbelumdiselesaikandimahkamah
+KWSPberhakuntukmenolakmana-manapermohonanbagijenis pengeluaran yangsamasekiranyapertuduhanbagikes ahli
+masihbelumdiselesaikandimahkamah[Seksyen59(1A),AktaKWSP1991(Pindaan)2016].
+3.0 PENGESAHANDOKUMEN
+ BagiserahanborangpermohonandikaunterKWSP,silabawabersamadokumenasal.Bagipermohonansecarapos,
+salinandokumenyangtelahdisahkanolehpegawaipengesahdibenarkanperludisertakan
+3.1PEGAWAIPENGESAHDOKUMENBAGIPERMOHONANDALAMNEGARA
+BIL. DOKUMEN NAMAPEGAWAIPENGESAH
+1. SalinanKadPengenalanDiridan  PegawaiKWSPyangterdiridaripada:
+Dokumen-DokumenSokonganLain i. PegawaiKWSPGred18/G5dankeatas
+ii. PegawaiKaunterKWSP
+ MajikanPemohon
+ KetuaKampung/Penghulu/Penggawa
+ JaksaPendamai
+ Peguam
+ PegawaiKerajaan/BadanBerkanun/AgensiKerajaanDalam
+KumpulanPengurusandanProfesional
+ AhliDewanUndanganNegeri/AhliParlimen
+ Pengerusi Jawatankuasa Kemajuan & Keselamatan Kampung
+(JKKK) / Pengerusi Jawatankuasa Kemajuan & Keselamatan
+KampungPersekutuan(JKKKP)
+3.2PEGAWAIPENGESAHDOKUMENBAGIPERMOHONAN LUAR NEGARA
+BIL. DOKUMEN NAMAPEGAWAIPENGESAH
+1. SemuaDokumen  KedutaanMalaysia
+ PesuruhjayaTinggi/KonsulatMalaysia
+ PesuruhjayaPerdaganganMalaysia
+ NotariAwam(’PublicNotary’)
+4.0 CARAPERMOHONANDIHANTAR
+Permohonan boleh dihantar di mana-mana cawangan KWSP sama ada melalui serahan di kaunter ATAU melalui pos ke
+alamat berikut:
+JABATAN PENGURUSAN TRANSAKSI
+Menara KWSP
+No 1, Persiaran KWASA Utama,
+KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 3/3
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PANDUAN MENGISIBORANG PERMOHONAN
+PENGELUARAN UMUR 50TAHUN/ UMUR55TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN /SIMPANAN MELEBIHI RM1JUTA
+PANDUANMENGISIBORANGINIADALAHMERUJUKKEPADABAHAGIAN-BAHAGIANUTAMADIDALAMBORANGPERMOHONAN
+(RUANGANC1)SENARAI NAMABANKPANELKWSPBAGIBAYARANPENGKREDITANTERUSKEAKAUNAHLI
+Silapilih salah satu sahaja nama bank daripada senarai Bank Panel KWSPyang menyediakan perkhidmatan Pengkreditan Terus
+sepertiberikut:-
+- AffinBankBerhad • Bank Muamalat Berhad • MaybankBerhad
+- AgrobankBerhad • Bank Simpanan Nasional • OCBCBankBerhad
+- AllianceBankBerhad • CIMB Bank Berhad • PublicBankBerhad
+- Al-RajhiBanking&Investment • Hong Leong Bank Berhad • RHBBankBerhad
+Corporation (Malaysia)Berhad • HSBC Amanah Malaysia Berhad • StandardCharteredBankBerhad
+- AMBankBerhad • HSBC Bank Berhad • StandardCharteredSadiqBerhad
+- BankIslamBerhad • Kuwait Finance House (Malaysia) • UnitedOverseasBankBerhad
+- BankKerjasamaRakyatMalaysia Berhad
+Berhad
+(RUANGANC3)SENARAI MATAWANGASINGYANG DIBENARKANBAGIBAYARANDRAFBANKASINGKEPADAAHLI
+SilapilihsalahsatusahajamatawangasingdaripadasenaraiberikutsekiranyaahlimemilihbayaransecaraDrafBankAsing:-
+- Brunei Dollar (BND) • Hong Kong Dollar (HKD) • SingaporeDollar(SGD)
+- Canadian Dollar (CAD) • Pakistani Rupee (PKR) • USDollar(USD)
+- Euro (EUR) • Saudi Riyal (SAR)
+(RUANGAND3)PILIHAN BAYARAN-BAGIPENGELUARANUMUR55TAHUNSAHAJA
+Isi ruangan ini sekiranya memohon untuk Pengeluaran Umur 55 Tahun sahaja. Sila pilih dan tandakan salah satu sahaja sama
+adapembayaransecaraSemuaSimpananatau PilihanKombinasi.
+(RUANGAND4)MAKLUMAT PILIHAN KOMBINASIBAYARAN
+JikaahlimemilihbayaransecaraPilihanKombinasi,silalengkapkanruangan1.a,1.b,atau 1.c.
+Jikaahlimemilih1.a(PengeluaranSebahagian)sahaja,silalengkapkanruangan2.a(MaklumatBayaran Sebahagian).
+Jikaahlimemilih1.b(BayaranBulanan)sahaja,silalengkapkanruangan2.b(MaklumatBayaranBulanan).
+Jika ahli memilih kedua-duanya, sila lengkapkan ruangan 1.c (Jumlah Keseluruhan Amaun Pilihan Kombinasi Yang Dipohon),
+2.a(MaklumatBayaran Sebahagian) dan2.b(MaklumatBayaranBulanan).
+Sebagaicontoh,sekiranyaahlimemilihpilihankombinasibayaransecara1.a.(PengeluaranSebahagian)sebanyakRM5,000.00dan
+1.b(BayaranBulanan)sebanyakRM2,000.00,makaJumlahAmaunKeseluruhanPilihanKombinasiYangDipohonadalahsebanyak
+(RM5,000.00+RM2,000.00) =RM7,000.00.
+Isiruangansepertiberikut: R M 0 0 0 0 7 0 0 0 0 0
+JumlahAmaunPilihanKombinasiYangdiPohon
+Isisatunomboruntuk tiap-tiapsaturuangan. Nombor‘kosong’ (0)di hadapanperludiisi dalam semuaruanganyangtidak dipenuhi.
+Lengkapkanjugaruangan2.a(MaklumatBayaranSebahagian)iaitusebanyakRM5,000.00dan2.b(MaklumatBayaranBulanan)iaitu
+sebanyakRM2,000.00
+Ruangan2.a. MaklumatBayaran Sebahagian(jikaada)
+Isiruanganinidenganjumlahamaunpembayaransebahagianyangdiinginkan.Sebagaicontoh,sekiranyaahlimempunyasimpanan
+RM500,000.00 dan ahli ingin menerima pembayaran sebahagian sebanyak RM260,000.00 sahaja dengan meninggalkan baki
+RM240,000.00(RM500,000.00–RM260,000.00)diterimasecarapembayaransecarabulanan,isiruanganberkenaansepertiberikut:
+JumlahAmaunSebahagian R M 0 0 2 6 0 0 0 0 0 0
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PANDUAN MENGISIBORANG PERMOHONAN
+PENGELUARAN UMUR 50TAHUN/ UMUR55TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN /SIMPANAN MELEBIHI RM1JUTA
+Ruangan2.b. MaklumatBayaran Bulanan(jikaada)
+Isi ruangan ini dengan jumlah amaun pembayaran secara bulanan yang diinginkan. Sebagai contoh, sekiranya ahli
+mempunyaisimpanan RM100,000.00 dan ahli ingin memohon pengeluaran bayaran bulanan sebanyak RM1,000.00
+sebulanuntuktempoh60bulan,(RM1,000.00x60bulan=RM60,000),isiruanganberkenaansepertiberikut:
+i. JumlahKeseluruhanAmaunDipohon R M 0 0 0 6 0 0 0 0 0 0
+ii. AmaunBayaran BagiSetiapBulan R M 0 0 0 1 0 0 0 0 0 0
+iii. TempohBayaran (Bulan)
+Isiruanganinidengantempohpembayaranbulananyangdipersetujui.Tempohmaksimabulanhendaklah
+selarasdenganjumlahamaunyangdipilihuntukditerimaolehpemohon padasetiapbulan.
+TempohBayaran (Bulan) 0 6 0
+iv. Tarikhmula
+Isiruanganinidengantarikhmulapembayaranbulananyangdipersetujui.
+v. Tarikhakhir
+Isiruanganinidengantarikhakhirpembayaranbulananyangdipersetujui.
+(RUANGANE)PENGESAHAN PEMOHON
+Silatulistarikh permohonan serta turunkan cap ibujari kanan dankiripemohon.Cap ibujarimestilahditurunkandengan TERANGDAN
+JELASdenganmenggunakanPADCAPIBUJARIBERWARNAHITAMdidalamruangan yangdisediakansepertipanduandibawah.
+CONTOHCAPIBUJARIYANGDITURUNKANDENGANBETULDANDITERIMA
+✓ ✓ ✓ ✓
+BETUL BETUL BETUL BETUL
+CONTOHCAPIBUJARIYANGTIDAKDITURUNKANDENGANBETULDANTIDAKDITERIMA
+🗴 🗴 🗴 🗴
+SALAH SALAH SALAH SALAH
+Bahagianbawah
+jariselepaspusar Jalurdanpusar Penggunaan Cap jari
+tidakkelihatan jaritidakjelas dakwatbiru tidakpenuh
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PERMOHONAN PENGELUARAN UMUR50TAHUN/
+UMUR55 TAHUN/ UMUR60TAHUN/ SIMPANAN KWSP
+9B (AHL)
+MELEBIHI RM1 JUTA
+SILAGUNAKANPENDAKWATHITAM SAHAJADANPENGGUNAANCECAIRPEMADAMTIDAKDIBENARKAN
+(A) JENISPENGELUARAN -Silatandakan (x)salahsatusahaja
+Umur50Tahun Umur55Tahun Umur60Tahun SimpananMelebihiRM1Juta
+(B) MAKLUMATAHLI
+1.NomborAhli 2. NomborMyKad
+- 
+(Tidakperludiisioleh
+pemegangMyKad)
+3.NomborPolis/
+Tentera/Pasport
+4.Nama
+5.AlamatSurat
+Menyurat
+Poskod Bandar
+Negeri
+6. NomborUntukDihubungi
+TelefonBimbit - Pejabat -
+Alamate-mel Rumah -
+7. StatusPekerjaan :PekerjaKerajaanBerpencen Ya Tidak
+8. BersetujuMaklumat(5)dan (6)DiAtas DikemaskiniDalamRekodKWSP Ya Tidak
+(C) MAKLUMATPEMBAYARAN -Silatandakan(x)salahsatu sahaja
+PengkreditanTerus SilalengkapkanBahagian(C1)
+SilalengkapkanBahagian(C2)
+CekJurubank
+SilalengkapkanBahagian(C3)
+DrafBankAsing
+(C1) PENGKREDITANTERUS
+1. NamaBank PanelKWSP
+2. NomborAkaun Bank
+(C2) CEKJURUBANK-Silatandakan(x)salah satusahaja
+CaraPenerimaan
+Kaunter Nyatakan KWSPCawangan: Poske AlamatAhli
+CekJurubank
+UNTUKKEGUNAANKWSPSAHAJA
+CapTarikhTerima
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PERMOHONAN PENGELUARAN UMUR50TAHUN/
+UMUR55 TAHUN/ UMUR60TAHUN/ SIMPANAN KWSP
+9B (AHL)
+MELEBIHI RM1 JUTA
+NomborAhli
+(C3) DRAFBANKASING
+1. JenisMatawang Asing RujukSenaraiMatawangAsingyangdibenarkandalamPanduanMengisi Borang
+2. CaraPenerimaan
+DrafBankAsing Kaunter Nyatakan KWSPCawangan: Poske AlamatAhli
+3. AlamatAhliuntuk
+penerimaan
+DrafBank Asing
+secarapos
+(D1) MAKLUMATPEMBAYARAN -Pengeluaran SimpananMelebihiRM1Jutasahaja
+AmaunDipohon R M
+(D2) MAKLUMATPEMBAYARAN -PengeluaranUmur50Tahunsahaja
+Silapilihsalahsatucarapembayaransamaadapengeluaranpenuhatausebahagian.Jikamemilihpengeluaransebahagian,silalengkapkan
+ruanganAmaunDipohon.
+PengeluaranPenuh PengeluaranSebahagian
+AmaunDipohon R M
+(D3) PILIHAN BAYARAN -PengeluaranUmur55Tahun/Umur60Tahun
+Tandakan(x)salahsatusahaja-JikaMemilihPengeluaranPilihanKombinasi,silalengkapkanBahagianD4
+SemuaSimpanan PilihanKombinasi*
+TidakLayakbagiahlibukanwarganegara
+(D4) MAKLUMATPILIHANKOMBINASI-PengeluaranUmur55 Tahun/Umur60Tahun
+yangmendaftarselepasOgos1998
+*Anda bolehmemilihsalahsatuatau kedua-duakombinasicarapembayaran dibawah:
+1.a PengeluaranSebahagian 1.b BayaranBulanan
+Silalengkapkanruangan2.a Silalengkapkanruangan2.b
+1.c Pengeluaran SebahagiandanBayaranBulanan R M
+Sila lengkapkanruangan1.c,2.a dan2.b JumlahAmaunPilihanKombinasiDipohon
+2.a MaklumatBayaran PengeluaranSebahagian(jikaada)
+JumlahAmaunSebahagian R M
+2.b. MaklumatBayaran Bulanan(jikaada)
+i. JumlahKeseluruhanAmaunDipohon R M
+ii. AmaunBayaranBagiSetiapBulan
+R M
+iii.TempohBayaran(Bulan)
+iv.TarikhMula(BB/ TTTT) - v.TarikhAkhir(BB/ TTTT) -
+(E) PENGESAHAN PEMOHON
+.
+1. SAYA MENGESAHKAN SEMUA MAKLUMAT DAN DOKUMEN YANG DIBERIKAN BAGI PERMOHONAN INI
+ADALAH BETUL DAN BENAR..
+2. SAYA MEMAHAMI SEKIRANYA SAYA MEMBUAT APA-APA KENYATAAN YANG TIDAK BETUL ATAU TIDAK BENAR
+ATAU MENGEMUKAKAN ATAU MEMBERIKAN APA-APA DOKUMEN PALSU, IA MERUPAKAN SUATU
+KESALAHAN DAN BOLEH MENYEBABKAN SAYA DIDENDA ATAU DIPENJARA ATAU KEDUA-DUANYA CAP IBU JARI CAP IBU JARI
+3. SAYA MEMAHAMI BAHAWA AMAUN YANG AKAN DITERIMA DARI KWSP ADALAH BERGANTUNG KEPADA KIRI KANAN
+KELAYAKAN DAN BERTUJUAN UNTUK PENGELUARAN DIATAS.
+4. BAGI AHLI BERAGAMA ISLAM, PEMBAYARAN ZAKAT KE ATAS SIMPANAN KWSP YANG DIKELUARKAN
+OLEH AHLI ADALAH DI BAWAH TANGGUNGJAWAB AHLI.
+5. PENJAWAT AWAM TARAF BERPENCEN: SAYA MENGAMBIL MAKLUM RISIKO PERMOHONAN
+PENGELUARAN INI JIKA AMAUN PENGELUARAN YANG DILULUSKAN KEPADA SAYA ADALAH
+TERMASUK SYER KERAJAAN BESERTA APA-APA DIVIDEN KE ATASNYA YANG BOLEH DITUNTUT
+KEMBALIOLEHPIHAKKERAJAANSAMAADAMELALUIPOTONGANBAYARANGRATUITIATAUPENCEN SAYA.
+6. SAYA MENGAMBIL MAKLUM RISIKO KERUGIAN PERTUKARAN MATAWANG ASING JIKA MEMILIH
+PEMBAYARAN MELALUI DRAF BANK ASING DAN SAYA TIDAK AKAN MEMBUAT APA-APA TUNTUTAN DARI
+KWSP JIKA BERLAKU KERUGIAN LANJUTAN DARI PILIHAN SAYA UNTUK PEMBAYARAN TERSEBUT.
+SAYADENGANINIMENURUNKAN CAPIBUJARIKIRIDANKANANDIATASBORANGPERMOHONANINI DAN
+7. SAYAMENGAKUIBAHAWACAPIBUJARIKIRIDANKANANINIADALAHMILIKSAYA.
+TarikhPermohonan :
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)

documents_20119_44353_Form_KWSP_9B_AHL_BM.pdf_23e79551-12e4-1c94-a93a-c406e369e855?t=1703667444959.md

@@ -0,0 +1,350 @@
+SENARAI SEMAK DOKUMEN PERMOHONAN
+PENGELUARAN UMUR 50 TAHUN/ UMUR 55 TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN/ SIMPANAN MELEBIHI RM 1 JUTA
+PEMOHONDINASIHATKAN MEMBACADENGANTELITIARAHANDIBAWAHSEBELUMMENGISIBORANG
+ SILAGUNAKANPENDAKWATHITAMDENGANTERANGDANJELASDALAMHURUFBESAR
+ SALINAN DOKUMEN HENDAKLAH MENGGUNAKAN KERTAS SAIZ A4 DAN DIKLIPKAN BERSAMA-
+SAMA BORANGPERMOHONAN[TIDAKMENGGUNAKAN DAWAIKOKOT(STAPLES)]
+ CAPIBUJARIHENDAKLAHDITURUNKAN DENGAN TERANG DAN JELAS MENGGUNAKAN PADCAP
+IBU JARIBERWARNAHITAM
+ PENGGUNAANCECAIRPEMADAMTIDAKDIBENARKANPADABORANGPERMOHONANDAN
+DOKUMEN SOKONGANPENGELUARANKWSP
+1.0 SENARAIDOKUMENYANGDIPERLUKAN
+BIL. DOKUMENUTAMA
+1. BorangPengeluaranKWSP9B
+(AHL)Nota:
+Ahlitidak perlumengisiBorangPermohonanKWSP9B(AHL) kecuali bagiahlibukanwarganegaradanwarganegarayang
+tiadaMyKad iaitupemegangkadpengenalan lama,kadpengenalan Polis/Tentera,pasport/permohonanyangdihantar
+menerusipos/wakilahli.
+2. KadPengenalanDiri
+(a) MyKad/KadPengenalanTentera/KadPengenalanPemastautinTetap
+(MyPR)ATAU
+(b) KadPengenalanPolisDANSuratPengesahanMajikanmenyatakanno.Polisdanno.KadPengenalanDirimerujuk
+kepadaorangyangsama(jikatidakmemilikiMyKad/KadPengenalanPolisyangtidakterterano.KadPengenalanDiri
+ATAU
+c) Pasport.BagiahlibukanwarganegaraMalaysia.
+Nota:
+ Warganegara Malaysia yang mengemukakanpermohonan dari luarnegara dan memohonbayaran secaraDraf Bank
+Asingperlumengemukakandokumentambahaniaitusalinanpasportyangmasihsahlaku
+ Salinan Kad Pengenalan tidak perlu sekiranya ahli pemegang MyKad dan Pengecaman Cap Ibu Jari ahli dengan
+PengkalanDataKWSPatauBacaanMyKadadalahpadan.
+ AhliyangtidakmemilikiMyKaddan/ataudokumenpermohonanmelaluipos/wakilmasihperlumengemukakansalinan
+dokumenpengenalandirimasing-masing.
+ SalinanKadPengenalan PERLUdibuatdikedua-duabahagian(depandanbelakang)diatassekepingkertassaizA4
+seperticontohdibawah:
+3. PembayaranSecaraPengkreditanTerusKeAkaunBankAhli
+BukuBank/Penyata AkaunSimpanan ATAU Penyata AkaunSemasaATAU Surat Pengesahan Bank Mengenai Butiran
+PemegangAkaunATAUCetakanButiranPemegangAkaunMelaluiLamanWeb.
+Nota:
+ MempunyaiakaundibankpanelKWSPyangdilantik
+ Akaunbankmestilahyangmasihaktif(Ahlidigalakkanmembawabukuakaunbank/penyataakaunbank/salinan
+akaunbanksemasamembuatpermohonanpengeluaran)
+DOKUMENTAMBAHAN
+1. PermohonanSecaraPos
+ BorangPermohonanPendaftaranAhlidanPindaanMaklumat(KWSP3)
+2. BagiPengeluaranUmur50/Umur55/Umur60Tahun,jikatarikhlahirahliberbezadiantaraKadPengenalanDiri
+dengantarikhlahirsebenar,silakemukakan:
+ SijilLahirATAUSuratPengesahanKadPengenalandariJabatanPendaftaranNegara(JPN)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 1/3
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+SENARAI SEMAK DOKUMEN PERMOHONAN
+PENGELUARAN UMUR 50 TAHUN /UMUR 55 TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN/ SIMPANAN MELEBIHI RM 1 JUTA
+3. BagiPengeluaranUmur50Tahun/Umur55Tahun/Umur60TahunjikaahliadalahbekaswarganegaraMalaysia
+yang menjadi ahli sebelum 1Ogos1995, yang tidakdapatmengemukakankad pengenalan diriatas sebab-sebab
+tertentu,perlumengemukakandokumenberikut:
+ Pasport
+ SijilKerakyatan
+ Lain-laindokumenpengenalandiri
+2.0 PERHATIANDANMAKLUMANKEPADAPEMOHON
+1. KWSP berhak meminta apa-apa dokumen tambahan sekiranya diperlukan dan menolak mana-mana permohonan yang tidak
+lengkap dan tidak memenuhi syarat yang ditetapkan.
+2. Ahli dinasihatkan menyemak kelayakan di risalah pengeluaran / maklumat lanjut di laman web KWSP (myEPF) terlebih dahulu
+sebelum mengemukakan permohonan pengeluaran.
+3. Pengeluaran Umur 50 Tahun hanya boleh dibuat sekali sahaja bagi setiap ahli.
+4. 4 Pengeluaran yang layak dibuat oleh ahli :-
+BUKANWARGANEGARAMALAYSIA
+WARGANEGARA
+JENIS PENGELUARAN
+MALAYSIA MenjadiAhlisebelum MenjadiAhliselepas
+Ogos1998 Ogos1998
+PengeluaranUmur50Tahun   
+PengeluaranUmur55Tahun
+  
+(Penuh)
+PengeluaranUmur55Tahun
+  
+(Kombinasi)
+PengeluaranUmur60Tahun
+  
+(Penuh)
+PengeluaranUmur60Tahun
+  
+(Kombinasi)
+SimpananMelebihiRM1Juta   
+5.Kaedah Bayaran bagi Pengeluaran Umur 55 Tahun / Pengeluaran Umur 60 Tahun
+BUKAN
+WARGANEGARA
+WARGA
+KELAYAKANPENGELUARAN MenjadiAhli MenjadiAhli
+NEGARA sebelum pada/
+1Ogos1998 selepas
+1Ogos1998
+BIL.
+KesemuaSimpanan
+1.   
+ Bolehmemohonpadabila-bilamasa
+SebahagianSimpanan
+2.  Tiadahadamaunminimum   
+ Bolehmemohonpadabila-bilamasa
+BayaranBulanan
+ PengeluaranminimumRM1,200.00iaituRM100.00sebulan
+3. untuksekurang-kurangnya12 bulan   
+ Hadtempohmaksimumbayaranbulanansehinggaumur100
+tahun
+Kombinasi
+4. (SebahagianSimpanandanBayaranBulanan)   
+*Rujukkelayakanitem2&3
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 2/3
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+SENARAI SEMAK DOKUMEN PERMOHONAN
+PENGELUARAN UMUR 50 TAHUN/ UMUR 55 TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN/ SIMPANAN MELEBIHI RM 1 JUTA
+PengeluaranDividenTahunan
+ Permohonan Bayaran Dividen Tahunan ke atas simpanan
+tahunsebelumnyasecarasekaligus(lumpsum)
+5. BayaranDividensecaraBulanan   
+ Pengeluaran minimum RM600.00 iaitu RM100.00 sebulan
+untuksekurangkurangnya6bulan
+ Tempohbayaranminimum6bulandanmaksimumsehingga12
+bulan
+6. AnggotaSektorAwamDiBawahSkimPencenKerajaan
+BagipermohonanPengeluaranUmur55Tahun/ Umur60Tahun, ahli dinasihatkanuntukmemastikanpengembaliansyer
+kerajaantelahdibuatkepadaJabatanPerkhidmatanAwam(JPA)sebelumpermohonandikemukakan.Inibagimemastikan
+syerkerajaandikembalikankepadaKWAPbagipembayaranganjarandanpencen.
+7. MembuatKenyataanYangTidakBetulAtauTidakBenarAtauMengemukakanDokumenPalsu
+Sekiranyapemohonmemberikenyataanyangtidakbetulatautidakbenarataumengemukakandokumenpalsu,pemohon
+dianggaptelahmelakukankesalahandansekiranyadisabitkanpemohonbolehdipenjarakanselamasuatutempohyangtidak
+melebihitigatahunataudidendatidakmelebihiRM10,000.00ataukedua-duanya[Seksyen59,AktaKWSP1991(Pindaan)
+2007].
+8. Pertuduhanahlibagikesfraud/Penipuanmasihbelumdiselesaikandimahkamah
+KWSPberhakuntukmenolakmana-manapermohonanbagijenis pengeluaran yangsamasekiranyapertuduhanbagikes ahli
+masihbelumdiselesaikandimahkamah[Seksyen59(1A),AktaKWSP1991(Pindaan)2016].
+3.0 PENGESAHANDOKUMEN
+ BagiserahanborangpermohonandikaunterKWSP,silabawabersamadokumenasal.Bagipermohonansecarapos,
+salinandokumenyangtelahdisahkanolehpegawaipengesahdibenarkanperludisertakan
+3.1PEGAWAIPENGESAHDOKUMENBAGIPERMOHONANDALAMNEGARA
+BIL. DOKUMEN NAMAPEGAWAIPENGESAH
+1. SalinanKadPengenalanDiridan  PegawaiKWSPyangterdiridaripada:
+Dokumen-DokumenSokonganLain i. PegawaiKWSPGred18/G5dankeatas
+ii. PegawaiKaunterKWSP
+ MajikanPemohon
+ KetuaKampung/Penghulu/Penggawa
+ JaksaPendamai
+ Peguam
+ PegawaiKerajaan/BadanBerkanun/AgensiKerajaanDalam
+KumpulanPengurusandanProfesional
+ AhliDewanUndanganNegeri/AhliParlimen
+ Pengerusi Jawatankuasa Kemajuan & Keselamatan Kampung
+(JKKK) / Pengerusi Jawatankuasa Kemajuan & Keselamatan
+KampungPersekutuan(JKKKP)
+3.2PEGAWAIPENGESAHDOKUMENBAGIPERMOHONAN LUAR NEGARA
+BIL. DOKUMEN NAMAPEGAWAIPENGESAH
+1. SemuaDokumen  KedutaanMalaysia
+ PesuruhjayaTinggi/KonsulatMalaysia
+ PesuruhjayaPerdaganganMalaysia
+ NotariAwam(’PublicNotary’)
+4.0 CARAPERMOHONANDIHANTAR
+Permohonan boleh dihantar di mana-mana cawangan KWSP sama ada melalui serahan di kaunter ATAU melalui pos ke
+alamat berikut:
+JABATAN PENGURUSAN TRANSAKSI
+Menara KWSP
+No 1, Persiaran KWASA Utama,
+KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 3/3
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PANDUAN MENGISIBORANG PERMOHONAN
+PENGELUARAN UMUR 50TAHUN/ UMUR55TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN /SIMPANAN MELEBIHI RM1JUTA
+PANDUANMENGISIBORANGINIADALAHMERUJUKKEPADABAHAGIAN-BAHAGIANUTAMADIDALAMBORANGPERMOHONAN
+(RUANGANC1)SENARAI NAMABANKPANELKWSPBAGIBAYARANPENGKREDITANTERUSKEAKAUNAHLI
+Silapilih salah satu sahaja nama bank daripada senarai Bank Panel KWSPyang menyediakan perkhidmatan Pengkreditan Terus
+sepertiberikut:-
+- AffinBankBerhad • Bank Muamalat Berhad • MaybankBerhad
+- AgrobankBerhad • Bank Simpanan Nasional • OCBCBankBerhad
+- AllianceBankBerhad • CIMB Bank Berhad • PublicBankBerhad
+- Al-RajhiBanking&Investment • Hong Leong Bank Berhad • RHBBankBerhad
+Corporation (Malaysia)Berhad • HSBC Amanah Malaysia Berhad • StandardCharteredBankBerhad
+- AMBankBerhad • HSBC Bank Berhad • StandardCharteredSadiqBerhad
+- BankIslamBerhad • Kuwait Finance House (Malaysia) • UnitedOverseasBankBerhad
+- BankKerjasamaRakyatMalaysia Berhad
+Berhad
+(RUANGANC3)SENARAI MATAWANGASINGYANG DIBENARKANBAGIBAYARANDRAFBANKASINGKEPADAAHLI
+SilapilihsalahsatusahajamatawangasingdaripadasenaraiberikutsekiranyaahlimemilihbayaransecaraDrafBankAsing:-
+- Brunei Dollar (BND) • Hong Kong Dollar (HKD) • SingaporeDollar(SGD)
+- Canadian Dollar (CAD) • Pakistani Rupee (PKR) • USDollar(USD)
+- Euro (EUR) • Saudi Riyal (SAR)
+(RUANGAND3)PILIHAN BAYARAN-BAGIPENGELUARANUMUR55TAHUNSAHAJA
+Isi ruangan ini sekiranya memohon untuk Pengeluaran Umur 55 Tahun sahaja. Sila pilih dan tandakan salah satu sahaja sama
+adapembayaransecaraSemuaSimpananatau PilihanKombinasi.
+(RUANGAND4)MAKLUMAT PILIHAN KOMBINASIBAYARAN
+JikaahlimemilihbayaransecaraPilihanKombinasi,silalengkapkanruangan1.a,1.b,atau 1.c.
+Jikaahlimemilih1.a(PengeluaranSebahagian)sahaja,silalengkapkanruangan2.a(MaklumatBayaran Sebahagian).
+Jikaahlimemilih1.b(BayaranBulanan)sahaja,silalengkapkanruangan2.b(MaklumatBayaranBulanan).
+Jika ahli memilih kedua-duanya, sila lengkapkan ruangan 1.c (Jumlah Keseluruhan Amaun Pilihan Kombinasi Yang Dipohon),
+2.a(MaklumatBayaran Sebahagian) dan2.b(MaklumatBayaranBulanan).
+Sebagaicontoh,sekiranyaahlimemilihpilihankombinasibayaransecara1.a.(PengeluaranSebahagian)sebanyakRM5,000.00dan
+1.b(BayaranBulanan)sebanyakRM2,000.00,makaJumlahAmaunKeseluruhanPilihanKombinasiYangDipohonadalahsebanyak
+(RM5,000.00+RM2,000.00) =RM7,000.00.
+Isiruangansepertiberikut: R M 0 0 0 0 7 0 0 0 0 0
+JumlahAmaunPilihanKombinasiYangdiPohon
+Isisatunomboruntuk tiap-tiapsaturuangan. Nombor‘kosong’ (0)di hadapanperludiisi dalam semuaruanganyangtidak dipenuhi.
+Lengkapkanjugaruangan2.a(MaklumatBayaranSebahagian)iaitusebanyakRM5,000.00dan2.b(MaklumatBayaranBulanan)iaitu
+sebanyakRM2,000.00
+Ruangan2.a. MaklumatBayaran Sebahagian(jikaada)
+Isiruanganinidenganjumlahamaunpembayaransebahagianyangdiinginkan.Sebagaicontoh,sekiranyaahlimempunyasimpanan
+RM500,000.00 dan ahli ingin menerima pembayaran sebahagian sebanyak RM260,000.00 sahaja dengan meninggalkan baki
+RM240,000.00(RM500,000.00–RM260,000.00)diterimasecarapembayaransecarabulanan,isiruanganberkenaansepertiberikut:
+JumlahAmaunSebahagian R M 0 0 2 6 0 0 0 0 0 0
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PANDUAN MENGISIBORANG PERMOHONAN
+PENGELUARAN UMUR 50TAHUN/ UMUR55TAHUN/ KWSP
+9B (AHL)
+UMUR 60 TAHUN /SIMPANAN MELEBIHI RM1JUTA
+Ruangan2.b. MaklumatBayaran Bulanan(jikaada)
+Isi ruangan ini dengan jumlah amaun pembayaran secara bulanan yang diinginkan. Sebagai contoh, sekiranya ahli
+mempunyaisimpanan RM100,000.00 dan ahli ingin memohon pengeluaran bayaran bulanan sebanyak RM1,000.00
+sebulanuntuktempoh60bulan,(RM1,000.00x60bulan=RM60,000),isiruanganberkenaansepertiberikut:
+i. JumlahKeseluruhanAmaunDipohon R M 0 0 0 6 0 0 0 0 0 0
+ii. AmaunBayaran BagiSetiapBulan R M 0 0 0 1 0 0 0 0 0 0
+iii. TempohBayaran (Bulan)
+Isiruanganinidengantempohpembayaranbulananyangdipersetujui.Tempohmaksimabulanhendaklah
+selarasdenganjumlahamaunyangdipilihuntukditerimaolehpemohon padasetiapbulan.
+TempohBayaran (Bulan) 0 6 0
+iv. Tarikhmula
+Isiruanganinidengantarikhmulapembayaranbulananyangdipersetujui.
+v. Tarikhakhir
+Isiruanganinidengantarikhakhirpembayaranbulananyangdipersetujui.
+(RUANGANE)PENGESAHAN PEMOHON
+Silatulistarikh permohonan serta turunkan cap ibujari kanan dankiripemohon.Cap ibujarimestilahditurunkandengan TERANGDAN
+JELASdenganmenggunakanPADCAPIBUJARIBERWARNAHITAMdidalamruangan yangdisediakansepertipanduandibawah.
+CONTOHCAPIBUJARIYANGDITURUNKANDENGANBETULDANDITERIMA
+✓ ✓ ✓ ✓
+BETUL BETUL BETUL BETUL
+CONTOHCAPIBUJARIYANGTIDAKDITURUNKANDENGANBETULDANTIDAKDITERIMA
+🗴 🗴 🗴 🗴
+SALAH SALAH SALAH SALAH
+Bahagianbawah
+jariselepaspusar Jalurdanpusar Penggunaan Cap jari
+tidakkelihatan jaritidakjelas dakwatbiru tidakpenuh
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PERMOHONAN PENGELUARAN UMUR50TAHUN/
+UMUR55 TAHUN/ UMUR60TAHUN/ SIMPANAN KWSP
+9B (AHL)
+MELEBIHI RM1 JUTA
+SILAGUNAKANPENDAKWATHITAM SAHAJADANPENGGUNAANCECAIRPEMADAMTIDAKDIBENARKAN
+(A) JENISPENGELUARAN -Silatandakan (x)salahsatusahaja
+Umur50Tahun Umur55Tahun Umur60Tahun SimpananMelebihiRM1Juta
+(B) MAKLUMATAHLI
+1.NomborAhli 2. NomborMyKad
+- 
+(Tidakperludiisioleh
+pemegangMyKad)
+3.NomborPolis/
+Tentera/Pasport
+4.Nama
+5.AlamatSurat
+Menyurat
+Poskod Bandar
+Negeri
+6. NomborUntukDihubungi
+TelefonBimbit - Pejabat -
+Alamate-mel Rumah -
+7. StatusPekerjaan :PekerjaKerajaanBerpencen Ya Tidak
+8. BersetujuMaklumat(5)dan (6)DiAtas DikemaskiniDalamRekodKWSP Ya Tidak
+(C) MAKLUMATPEMBAYARAN -Silatandakan(x)salahsatu sahaja
+PengkreditanTerus SilalengkapkanBahagian(C1)
+SilalengkapkanBahagian(C2)
+CekJurubank
+SilalengkapkanBahagian(C3)
+DrafBankAsing
+(C1) PENGKREDITANTERUS
+1. NamaBank PanelKWSP
+2. NomborAkaun Bank
+(C2) CEKJURUBANK-Silatandakan(x)salah satusahaja
+CaraPenerimaan
+Kaunter Nyatakan KWSPCawangan: Poske AlamatAhli
+CekJurubank
+UNTUKKEGUNAANKWSPSAHAJA
+CapTarikhTerima
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)
+PERMOHONAN PENGELUARAN UMUR50TAHUN/
+UMUR55 TAHUN/ UMUR60TAHUN/ SIMPANAN KWSP
+9B (AHL)
+MELEBIHI RM1 JUTA
+NomborAhli
+(C3) DRAFBANKASING
+1. JenisMatawang Asing RujukSenaraiMatawangAsingyangdibenarkandalamPanduanMengisi Borang
+2. CaraPenerimaan
+DrafBankAsing Kaunter Nyatakan KWSPCawangan: Poske AlamatAhli
+3. AlamatAhliuntuk
+penerimaan
+DrafBank Asing
+secarapos
+(D1) MAKLUMATPEMBAYARAN -Pengeluaran SimpananMelebihiRM1Jutasahaja
+AmaunDipohon R M
+(D2) MAKLUMATPEMBAYARAN -PengeluaranUmur50Tahunsahaja
+Silapilihsalahsatucarapembayaransamaadapengeluaranpenuhatausebahagian.Jikamemilihpengeluaransebahagian,silalengkapkan
+ruanganAmaunDipohon.
+PengeluaranPenuh PengeluaranSebahagian
+AmaunDipohon R M
+(D3) PILIHAN BAYARAN -PengeluaranUmur55Tahun/Umur60Tahun
+Tandakan(x)salahsatusahaja-JikaMemilihPengeluaranPilihanKombinasi,silalengkapkanBahagianD4
+SemuaSimpanan PilihanKombinasi*
+TidakLayakbagiahlibukanwarganegara
+(D4) MAKLUMATPILIHANKOMBINASI-PengeluaranUmur55 Tahun/Umur60Tahun
+yangmendaftarselepasOgos1998
+*Anda bolehmemilihsalahsatuatau kedua-duakombinasicarapembayaran dibawah:
+1.a PengeluaranSebahagian 1.b BayaranBulanan
+Silalengkapkanruangan2.a Silalengkapkanruangan2.b
+1.c Pengeluaran SebahagiandanBayaranBulanan R M
+Sila lengkapkanruangan1.c,2.a dan2.b JumlahAmaunPilihanKombinasiDipohon
+2.a MaklumatBayaran PengeluaranSebahagian(jikaada)
+JumlahAmaunSebahagian R M
+2.b. MaklumatBayaran Bulanan(jikaada)
+i. JumlahKeseluruhanAmaunDipohon R M
+ii. AmaunBayaranBagiSetiapBulan
+R M
+iii.TempohBayaran(Bulan)
+iv.TarikhMula(BB/ TTTT) - v.TarikhAkhir(BB/ TTTT) -
+(E) PENGESAHAN PEMOHON
+.
+1. SAYA MENGESAHKAN SEMUA MAKLUMAT DAN DOKUMEN YANG DIBERIKAN BAGI PERMOHONAN INI
+ADALAH BETUL DAN BENAR..
+2. SAYA MEMAHAMI SEKIRANYA SAYA MEMBUAT APA-APA KENYATAAN YANG TIDAK BETUL ATAU TIDAK BENAR
+ATAU MENGEMUKAKAN ATAU MEMBERIKAN APA-APA DOKUMEN PALSU, IA MERUPAKAN SUATU
+KESALAHAN DAN BOLEH MENYEBABKAN SAYA DIDENDA ATAU DIPENJARA ATAU KEDUA-DUANYA CAP IBU JARI CAP IBU JARI
+3. SAYA MEMAHAMI BAHAWA AMAUN YANG AKAN DITERIMA DARI KWSP ADALAH BERGANTUNG KEPADA KIRI KANAN
+KELAYAKAN DAN BERTUJUAN UNTUK PENGELUARAN DIATAS.
+4. BAGI AHLI BERAGAMA ISLAM, PEMBAYARAN ZAKAT KE ATAS SIMPANAN KWSP YANG DIKELUARKAN
+OLEH AHLI ADALAH DI BAWAH TANGGUNGJAWAB AHLI.
+5. PENJAWAT AWAM TARAF BERPENCEN: SAYA MENGAMBIL MAKLUM RISIKO PERMOHONAN
+PENGELUARAN INI JIKA AMAUN PENGELUARAN YANG DILULUSKAN KEPADA SAYA ADALAH
+TERMASUK SYER KERAJAAN BESERTA APA-APA DIVIDEN KE ATASNYA YANG BOLEH DITUNTUT
+KEMBALIOLEHPIHAKKERAJAANSAMAADAMELALUIPOTONGANBAYARANGRATUITIATAUPENCEN SAYA.
+6. SAYA MENGAMBIL MAKLUM RISIKO KERUGIAN PERTUKARAN MATAWANG ASING JIKA MEMILIH
+PEMBAYARAN MELALUI DRAF BANK ASING DAN SAYA TIDAK AKAN MEMBUAT APA-APA TUNTUTAN DARI
+KWSP JIKA BERLAKU KERUGIAN LANJUTAN DARI PILIHAN SAYA UNTUK PEMBAYARAN TERSEBUT.
+SAYADENGANINIMENURUNKAN CAPIBUJARIKIRIDANKANANDIATASBORANGPERMOHONANINI DAN
+7. SAYAMENGAKUIBAHAWACAPIBUJARIKIRIDANKANANINIADALAHMILIKSAYA.
+TarikhPermohonan :
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240524 2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 9B(AHL)

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+BORANG PERMOHONAN PENDAFTARAN i-
+KWSP
+SAYANG (PEMINDAHAN CARUMAN AHLI) 16G (SY)
+(A) MAKLUMAT PEMOHON/ PEMBERI (SUAMI)
+NAMA
+NO. MYKAD - - BANGSA
+NO. POLIS/ TENTERA/
+AGAMA
+PASPORT
+(B) MAKLUMAT PENERIMA (ISTERI) –WARGANEGARA MALAYSIA SAHAJA
+NO. MYKAD NAMA PENERIMA
+BIL.
+(12 DIGIT) (NAMA HENDAKLAH SAMA SEPERTI YANG TERTERA DI MYKAD)
+1.
+2.
+3.
+4.
+NOTA: PEMOHON/ PEMBERI BUKAN BERAGAMA ISLAM HANYA BOLEH MENDAFTARKAN SEORANG PENERIMA (ISTERI) SAHAJA
+(C) MAKLUMAT KOMUNIKASI PEMOHON/ PEMBERI –SEKIRANYA INGIN MENGEMAS KINI MAKLUMAT
+ALAMAT SURAT
+MENYURAT
+POSKOD BANDAR
+NEGERI
+TELEFON (BIMBIT)
+TELEFON (RUMAH)
+TELEFON (PEJABAT) ALAMAT
+E-MEL
+(D) PENDAFTARAN i-AKAUN –JIKA BERKENAAN
+TELEFON (BIMBIT) SILA ISI NOMBOR TELEFON BIMBIT ANDA BAGI TUJUAN PENERIMAAN ONE TIME PASSWORD(OTP)
+UNTUK PENDAFTARAN i-AKAUN DAN PENERIMAAN TRANSACTION AUTHORISATION CODE (TAC)
+(E) PENGESAHAN AHLI
+DENGANMENURUNKANCAPIBUJARI:
+1.SAYAMENGESAHKANSEMUAMAKLUMATDANDOKUMENYANGDIKEMUKAKANADALAHBENARDANBETUL.
+2.SAYAMENGESAHKANPENERIMAYANGDIDAFTARKANBAGIPERMOHONANINIADALAHISTERI/ISTERI-ISTERISAYAYANGSAHDANBERDAFTARDI
+BAWAHUNDANG-UNDANGMALAYSIA.
+3.SAYAMEMAHAMIDANBERSETUJUBAHAWA:
+a) DENGANSUKARELAMEMILIHUNTUKMEMINDAHKANDUAPERATUSCARUMANSYERPEKERJASAYAKEAKAUNKWSPPENERIMA(ISTERI).
+b) PEMINDAHANCARUMANPERTAMAAKANDIKREDITKANKEAKAUNKWSPPENERIMA(ISTERI)DALAMTEMPOHYANGDITENTUKANOLEHLEMBAGA
+KWSP.
+c) PEMINDAHAN CARUMAN SECARA BULANAN AKAN DIKREDITKAN KE AKAUN KWSP PENERIMA (ISTERI) SEKIRANYA TERDAPAT BAYARAN
+CARUMANKWSPDARIPADAMAJIKANSAYA.
+d) PEMINDAHANCARUMANYANGBERJAYADIKREDITKANTIDAKBOLEHDITUNTUTSEMULASEKIRANYABERLAKUKELEWATANPENGKREDITAN
+(SAMAADAMAJIKANBAYARLEWATATAUBERLAKUPELARASAN).
+f) PEMINDAHAN CARUMAN INI HANYA TERHENTI ATAS SEBAB-SEBAB PENCERAIAN TARIKH PERMOHONAN (HH/BB/YYYY)
+ATAU KEMATIAN PENERIMA (ISTERI/ISTERI-ISTERI) SAHAJA DAN HANYA AKAN
+/ /
+BERKUAT KUASA PADA BULAN BERIKUTNYA SELEPAS KWSP MENERIMA
+PERMOHONANPENGHENTIANPEMINDAHANCARUMANDARIPADASAYA.
+g) APA-APA AMAUN YANG TELAH DIKREDITKAN KE AKAUN PENERIMA (ISTERI) SAYA CAP IBU JARI (KIRI) CAP IBU JARI (KANAN)
+TIDAKBOLEHDIKEMBALIKANKEAKAUNKWSPSAYA.
+h) KESEMUAPEMINDAHANCARUMANYANGTELAHBERJAYADIKREDITKANKEAKAUN
+PENERIMA (ISTERI) TIDAK BOLEH DITUNTUT SEMULA SEKIRANYA BERLAKU
+KELEWATANMAKLUMANPENCERAIANATAUKEMATIANKEPADAKWSP.
+4.SAYADENGANINIMEMBERIKEBENARANKEPADAKWSPUNTUK:
+a) MEMPROSESMAKLUMATSAYATERMASUKLAHMAKLUMATPERIBADI;DAN
+b) MENZAHIRKAN APA-APA MAKLUMAT TERMASUK MAKLUMAT BERHUBUNG
+PERMOHONANINI:
+i. MANA-MANA PIHAK YANG BERKAITAN BAGI MEMATUHI KEPERLUAN
+PERUNDANGANATAUKERAJAAN;DAN
+ii. SELARASDENGANAKTAPERLINDUNGANDATAPERIBADI2010ATAUMANA-MANA
+PERUNDANGAN BERHUBUNG DENGAN PERLINDUNGAN DATA PERIBADI YANG
+BERKUATKUASAKETIKAPERMOHONANDIBUAT.
+(E) UNTUK KEGUNAAN KWSP
+NO. AHLI TARIKH TERIMA / / NO. ANGGOTA
+(HH/BB/YYYY)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240510
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 16G (SY)
+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN i-SAYANG KWSP
+16G (SY)
+(PEMINDAHAN CARUMAN AHLI)
+PEMOHONDINASIHATKANMEMBACADENGANTELITIARAHANDIBAWAHSEBELUMMENGISIBORANG
+1. BoranginihendaklahdilengkapkandenganmenggunakanPENDAKWATHITAM/KEKALdanditulismenggunakanHURUF
+BESAR.
+(A) MAKLUMATPEMOHON/PEMBERI(SUAMI)
+Lengkapkan Nama dan Nombor Pengenalan Diri mengikut maklumat di dalam Dokumen
+Pengenalan Diri (MyKad/Tentera/Polis/Pasport)sertamaklumatAgamadanBangsa.
+(B) MAKLUMATPENERIMA(ISTERI)
+LengkapkanNomborMyKaddanNamamengikutmaklumatdidalamMyKadPenerima.
+(C)MAKLUMATKOMUNIKASI(SEKIRANYAINGINMENGEMASKINIMAKLUMAT)
+Lengkapkan maklumat komunikasi terkini pemohon iaituAlamat Surat-Menyurat, NomborTelefon Rumah,Telefon
+Bimbit,Telefon PejabatdanAlamatE-mel
+(D) PENDAFTARANi-AKAUN(JIKABERKENAAN)
+Lengkapkan nombor telefon bimbit anda bagi tujuan penerimaan One Time Password (OTP) untuk
+pendaftaran i-Akaun dan penerimaanTransactionAuthorisationCode(TAC)
+(D) PENGESAHANAHLI
+i. Pemohon perlu membaca dan memahami kandungan PENGESAHAN AHLI sebelum
+menurunkancapibujarikanandankiri sertatarikhpermohonan.
+ii. Cap ibu jari mestilah diturunkan dengan terang dan jelas menggunakan pad cap jari
+berwarnahitamdidalamruanganyang disediakansepertipanduandibawah:
+(D) UNTUKKEGUNAANKWSP
+Bahagianinitidakperludiisiolehahli
+SENARAIDOKUMENYANGDIPERLUKAN
+BIL. PERKARA KRITERIAASAS
+1. Pemohon/ i. WarganegaraMalaysiaatauBukanWarganegaraMalaysia
+Pemberi ii. Belummencapaiumur75tahun
+(Suami) iii. Telah berkahwin dengan penerima (isteri) dan perkahwinannya telah didaftarkan di bawah
+undang-undangMalaysia
+iv. Menerimacarumanmajikansecarabulanan
+v. Pemohon/Pemberi yang beragama Islam boleh mendaftar empat (4) penerima (maksimum)dan
+pemberiyangbukanberagamaIslamhanyabolehmendaftarseorang(1)penerimasahaja
+2. Penerima i. WarganegaraMalaysiasahaja
+(isteri) ii. Belummencapaiumur75tahun
+iii. Telah berkahwin dengan pemberi (suami) dan perkahwinannya telah didaftarkan di undang-
+undangMalaysia
+iv. TelahberdaftarsebagaiahliKWSP
+3. Pemindahan i. Melibatkancarumansyerpekerjapemberiyangditerimadaripadamajikan
+Caruman ii. Pemindahan2%carumansyerpekerjapemberikeakaunKWSPpenerima(AkaunPersaraan,Akaun
+Sejahtera dan AkaunFleksibel)
+4. Penghentian Permohonan penghentian pemindahan caruman boleh dibuat oleh pemberi (suami) dengan
+Pemindahan mengemukakandokumenberikut:
+Caruman a) BorangPermohonanPenghentianPemindahanCarumani-Sayang-KWSP16G(SY-P)dan;
+b) SalinanSijilPenceraianatauSalinanSijilKematianpenerima
+- Pemberi(Suami)hendaklahsentiasamengingatkan penerima (isteri)untuk membuat semakanpenyataKWSPmelalui saluran
+semasa (i-AkaunahliatauKios).Semakanmelaluii-Akaunahlilebihcepatdanmudahpadabila-bilamasa.
+- InsentifKhashanyaakandiberikankepadapenerima(isteri)sekiranyapenerimatelahberdaftardibawahi-Saraanataui-Suri
+dan memenuhikriteriakelayakanbayaranInsentifKhasyangtelahditetapkanolehKWSP.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240510
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 16G (SY)

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+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN / KWSP
+17A/ 18A
+PEMBATALAN MENCARUM MELEBIHI
+(AHL)
+KADAR BERKANUN (SYERPEKERJA)
+PANDUAN MENGISI BORANG INI ADALAH MERUJUK KEPADA BAHAGIAN-BAHAGIAN UTAMA DI DALAM BORANG
+PERMOHONAN
+1. Pemohondinasihatkanmembacadengantelitipanduaninisebelummengisiborang.
+2. BoranginihendaklahdilengkapkandenganmenggunakanPENDAKWAT HITAMdanditulismenggunakan
+HURUFBESAR.
+3. Berikutadalahpanduanbagibahagian-bahagianutamadidalamborangpermohonanKWSP17A(AHL)/KWSP
+18A(AHL)
+iaitu:-
+(A) JenisPermohonan(Tandakan√disalahsatukotaksahaja)
+JikaandamemilihPendaftaranCarumanMelebihiKadarBerkanun,silalengkapkan
+Bahagian (A1). JikaandamemilihPembatalanCarumanMelebihiKadar Berkanun, sila
+lengkapkanBahagian(A2).
+(A1)PENDAFTARANCARUMANMELEBIHIKADARBERKANUN[KWSP17A(AHL)]
+Pemohon dikehendakimelengkapkanperatuskadar carumanyangdikehendakidanbulanupahkuat
+kuasa
+(A2)PEMBATALANCARUMAN MELEBIHIKADAR BERKANUN[KWSP18A(AHL)]
+Pemohondikehendaki melengkapkanperatuskadarcarumanyangdikehendakidanbulanupahkuat
+kuasa
+(B) PENGESAHANPILIHAN AHLI/PEKERJA
+SilaturunkancapjariatautandatanganpemohondenganTERANGDAN JELASdidalamruangan
+yangdisediakan sepertipanduandibawah:-
+(C) MAKLUMAT MAJIKAN
+LengkapkanmaklumatNo.MajikandanNamaMajikan .
+(D) PENGESAHANMAJIKAN
+LengkapkanmaklumatTandatanganMajikan,Nama, No.PengenalanDiri,Jawatan,E-Mel,
+No.Telefon/Bimbit,Tarikh danCapRasmiMajikan.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 17A/ 18A (AHL)
+BORANG PERMOHONAN PENDAFTARAN /
+KWSP
+PEMBATALAN MENCARUM MELEBIHI 17A/ 18A
+(AHL)
+KADAR BERKANUN (SYERPEKERJA)
+(A) JENIS PERMOHONAN –TANDAKAN ( X ) DI SALAH SATU KOTAK SAHAJA
+PENDAFTARAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP PEMBATALAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP 18A
+17A (AHL)] -(SILA LENGKAPKAN BAHAGIAN A1) (AHL)] -(SILA LENGKAPKAN BAHAGIAN A2)
+(A1) PENDAFTARAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP 17A (AHL)]
+1. Sayadenganinimembuatpilihanuntukmencarummelebihikadarberkanunbagisyerpekerjasebanyak . %
+berkuatkuasauntukbulanupah tahun
+Andahanyadibenarkanmemilihbagibulanupahsemasaatausehinggaduabulankehadapansahaja.
+NOTA:PilihaniniberkuatkuasamulaibulanupahdinyatakandiatasatauberdasarkankepadabulanyangdikuncimasukolehMajikandii-Akaun
+(Majikan);mengikutmana-manayangterkemudian.
+2. Permohonanbaharuiniakanmembatalkansemuapilihanmencarummelebihikadarberkanunsediaada(jikaada).
+SayaadalahterikatkepadapilihaninisehinggasayamemberiborangpembatalankepadaKWSPatausehinggasayabertukarmajikan,mengikut
+3.
+mana-manayangterdahulu.
+(A2) PEMBATALAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP 18A (AHL)]
+Sayabersetujuuntukmembatalkanpilihancarumanmelebihikadarberkanunbagisyerpekerjaberkuatkuasamulai
+1. tahun
+bulanupah
+Andahanyadibenarkanmemilihbagibulanupahsemasaatausehinggaduabulankehadapansahaja.
+NOTA:PilihaniniberkuatkuasamulaibulanupahdinyatakandiatasatauberdasarkankepadabulanyangdikuncimasukolehMajikandii-Akaun(Majikan);
+mengikutmana-manayangterkemudian
+(B) PENGESAHAN PILIHAN AHLI / PEKERJA
+NO. PENGENALAN
+NO. AHLI
+DIRI
+NAMA
+TANDATANGAN/
+CAP IBU JARI AHLI TARIKH (HH/BB/TTTT) / /
+C) MAKLUMAT MAJIKAN
+NO. MAJIKAN
+NAMA MAJIKAN
+D) PENGESAHAN MAJIKAN /EMPLOYER’S CONFIRMATION
+SAYA DENGAN INI MENGESAHKAN DAN MENGAMBIL MAKLUM BAHAWA PEKERJA DI ATAS TELAH MEMILIH UNTUK MENDAFTAR ATAU MEMBATAL
+CARUMAN MELEBIHI KADAR BERKANUN DAN AKAN MENGUNCI MASUK DI DALAM I-AKAUN (MAJIKAN) SEPERTI YANG DINYATAKAN DALAM BORANG INI.
+TANDATANGAN MAJIKAN/
+WAKIL MAJIKAN
+NAMA
+NO. PENGENALAN DIRI
+JAWATAN
+E-MEL
+NO. TELEFON/ BIMBIT
+TARIKH CAP RASMI MAJIKAN
+E) PERHATIAN
+- Ahli hendaklahmenyimpansalinanborangdanborangasalhendaklahdiserahkankepadaMajikan.
+- Majikanhendaklahmenyimpanborangasal
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 17A/ 18A (AHL)

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+PANDUAN PENGISI BORANG PERMOHONAN
+KWSP R1
+BAYARAN TAMBAHAN PENGELUARAN (AHL)
+PEMOHONDINASIHATKAN MEMBACADENGANTELITI ARAHAN DIBAWAH SEBELUMMENGISIBORANG
+ SILAGUNAKANPENDAKWAT HITAM DENGANTERANG DAN JELASDALAM HURUF BESAR
+ SALINAN DOKUMEN HENDAKLAH MENGGUNAKAN KERTAS SAIZ A4 DAN DIKLIPKANBERSAMA-SAMABORANG
+PERMOHONAN(TIDAKMENGGUNAKANDAWAIKOKOT)
+ CAP IBU JARI HENDAKLAH DITURUNKAN DENGAN TERANG DAN JELAS MENGGUNAKAN PAD CAP IBU JARI
+BERWARNAHITAM
+ PENGGUNAANCECAIRPEMADAMTIDAKDIBENARKANPADABORANGPERMOHONANDANDOKUMENSOKONGAN
+1.0SENARAI DOKUMENYANG DIPERLUKAN
+BIL. DOKUMENUTAMA
+1. Borang PermohonanBayaran Tambahan Pengeluaran.
+2. Kad PengenalanDiri
+(a) MyKad/KadPengenalanPermastautinTetap(MyPR)/Dokumen PengenalanSementara.
+ATAU
+(b) KadPengenalanPolis/TenteraDANSuratPengesahanMajikanmenyatakanNomborPolis/NomborTentera
+merujukkepadaorangyangsama(jikatidakmemilikiMyKad).
+ATAU
+(c) Pasport.
+Nota:
+WarganegaraMalaysiayangmengemukakanpermohonandariluarnegaradanmemohonbayaransecaraDrafBank
+Asingperlu mengemukakandokumentambahaniaitusalinanpasportyangmasihsahlaku.
+SalinanMyKad/KadPengenalanDiriPERLUdibuat dikedua-duabahagian(depandanbelakang)diatassekeping
+kertassaiz A4seperticontoh dibawah:
+3. PembayaranSecaraPengkreditanTerusKeAkaunBankAhli
+ AhlihendaklahmembawaBukuBank/PenyataAkaunSimpanan/PenyataAkaunSemasa/SuratPengesahanBank
+Mengenai
+Butiran Pemegang Akaun / Cetakan Butiran Pemegang Akaun Melalui Laman Web serta salinan semasa
+membuat permohonanbagitujuanpengesahan akaun bank.
+Nota:
+Dokumenasaldikecualikanjikaahlidapatmemberimaklumatakaunbankdenganbetultanpamerujukkepada dokumen
+asal. Ketepatan maklumatpentingbagimengelakkanpengkreditan teruskeakaunahli gagal.
+2.0KAEDAH BAYARAN
+1. Bayarandalam Malaysia
+ Semuabayaran tambahanpengeluaranakandikreditkanteruskedalam akaunbankahlidengansyarat:-
+a. Ahlimempunyaiakaundenganpanel bankKWSPyangdilantik;DAN
+b. Akaunbankmestilahyangmasihaktif;DAN
+c. Nomborpengenalandiriahliadalahsamadenganrekodbank;DAN
+d. BayarandibuatdalammatawangRinggitMalaysia(RM).
+ Bagaimanapun, sekiranya bayaran tidakberjaya dikreditkan kedalam akaun bankahli seperti akaun banktidakaktif
+atau nomborKad PengenalanDiritidaksepadan,bayaranakandibuatmelaluicekjurubank.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/3
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP R1 (AHL)
+PANDUAN PENGISI BORANG PERMOHONAN
+KWSP R1
+BAYARAN TAMBAHAN PENGELUARAN (AHL)
+2. BayaranLuarMalaysia
+ BayaranadalahmelaluiDrafBankAsing.Jenismatawangadalahsepertiberikut:-
+a. Mata wang asing mengikut pilihan ahli di dalam borang permohonan dengan syarat matawang tersebut ada
+disenaraikan olehKWSPbagitujuanbayaransecaraDrafBankAsing;ATAU
+b. DalammatawangUSDollarsekiranyajenismatawangyangdipohonolehahlidalamborangpermohonantiadadalam
+senaraiKWSP bagitujuanbayaransecaraDraf BankAsing
+Nota:
+KWSP akan membuat pengesahan semula dengan ahli sekiranya jenis matawang yang dipilih dalam borang
+permohonantiadadalamsenaraiyangdibenarkanatausebelummenukarjenismata wangkepadaUSDDollar.
+3.0 PENGESAHAN DOKUMEN
+ BagiserahanborangpermohonandikaunterKWSP,silabawabersamadokumenasal.Bagipermohonansecarapos,salinan
+dokumenyangtelahdisahkanolehPegawai Pengesahdibenarkanperludisertakan.
+3.1 PEGAWAIPENGESAHDOKUMENBAGI PERMOHONANDALAM NEGARA
+DOKUMEN NAMAPEGAWAIPENGESAH
+SalinanKad PengenalanDiri o PegawaiKWSPyangterdiridaripada:
+danDokumen-Dokumen
+I. PegawaiKWSPGred18/G5dankeatas
+SokonganLain
+II. Pegawai KaunterKWSP
+o Majikan Pemohon
+o KetuaKampung/Penghulu/Penggawa
+o JaksaPendamai
+o Peguam
+o PegawaiKerajaan/BadanBerkanun/AgensiKerajaanDalam Kumpulan
+Pengurusan danProfesional
+o AhliDewanUndanganNegeri/AhliParlimen
+o Pesuruhjaya Sumpah
+o PengerusiJawatankuasaKemajuan&KeselamatanKampung (JKKK)/ Pengerusi
+JawatankuasaKemajuan&Keselamatan KampungPersekutuan(JKKKP)
+3.2 PEGAWAIPENGESAHDOKUMENBAGI PERMOHONANLUAR NEGARA
+DOKUMEN NAMAPEGAWAIPENGESAH
+Semua Dokumen o Kedutaan Malaysia
+o PesuruhjayaTinggi /KonsulatMalaysia
+o Pesuruhjaya PerdaganganMalaysia
+o Notari Awam (’PublicNotary’)
+4.0 PERHATIAN DANMAKLUMANKEPADAPEMOHON
+1. KWSPberhakmemintaapa-apa dokumentambahansekiranyadiperlukandanmenolakmana-mana permohonan yangtidak
+lengkap dantidakmemenuhisyaratyang ditetapkan.
+2. MembuatKenyataanYangTidakBenarAtauTidakBetulAtauMengemukakanDokumenPalsu
+Sekiranya pemohon memberi kenyataan yang tidak benar atau tidak betul atau mengemukakan dokumen palsu,
+pemohon dianggap telah melakukan kesalahan dan sekiranya disabitkan pemohon boleh dipenjarakan selama suatu
+tempohyang tidakmelebihi tigatahunataudidendatidakmelebihiRM10,000.00ataukedua-duanya [Seksyen59,Akta
+KWSP1991].
+5.0CARAPERMOHONANDIHANTAR
+Permohonan boleh dihantar di mana-mana cawangan KWSP sama ada melalui serahan di kaunter ATAU melalui pos ke alamat
+berikut:-
+JABATAN PENGURUSAN CARUMAN
+Menara KWSP
+No 1, Persiaran KWASA Utama,
+KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+2/3
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP R1 (AHL)
+PANDUAN PENGISI BORANG PERMOHONAN
+KWSP R1
+BAYARAN TAMBAHAN PENGELUARAN (AHL)
+PANDUANMENGISIBORANGINI ADALAHMERUJUKKEPADABAHAGIAN-BAHAGIANUTAMADIDALAMBORANGPERMOHONAN
+(RUANGANC1)SENARAI NAMAPANELBANKKWSPBAGI BAYARANPENGKREDITANTERUS KEAKAUN AHLI
+SilapilihsalahsatusahajanamabankdaripadasenarainamaPanel BankKWSPyangmenyediakanperkhidmatanPengkreditan
+Terussepertiberikut:-
+- RHBBankBerhad •AMBankBerhad •BankMuamalatBerhad
+- MaybankBerhad •AllianceBankBerhad •BankIslamBerhad
+- CIMBBank Berhad •Affin BankBerhad •BankSimpananNasional
+- PublicBankBerhad •UnitedOverseasBankBerhad •HongLeongBankBerhad
+- CitiBankBerhad •HSBCBankBerhad •Bank KerjasamaRakyatMalaysiaBerhad
+- StandardCharteredBankBerhad •HSBCAmanahMalaysiaBerhad •OCBCBankBerhad
+- Standard Chartered SadiqBerhad •KuwaitFinanceHouse(Malaysia)Berhad •Al-RajhiBanking&Investment(M)Bhd
+(RUANGANC3)SENARAIMATAWANGASINGYANGDIBENARKAN BAGIBAYARAN DRAFBANKASINGKEPADAAHLI
+Silapilihsalahsatusahajamata wangasingdaripadasenarai berikutsekiranyaahlimemilihbayaransecaraDrafBankAsing:-
+- Australian Dollar(AUD) •HongKongDollar(HKD) •Saudi Riyal (SAR)
+- BruneiDollar(BND) •Indonesian Rupiah (IDR) •SingaporeDollar(SGD)
+- Canadian Dollar(CAD) •JapaneseYen(JPY) •US Dollar(USD)
+- Euro(EUR) •PakistaniRupee(PKR) •Sterling Pound (GBP)
+(RUANGAN F)PENGESAHANPEMOHON
+Sila turunkan tarikh permohonan serta cap ibu jari kanan dan kiri pemohon. Cap ibu jari mestilah diturunkan dengan TERANG DAN
+JELAS dengan menggunakan PAD CAP IBUJARI BERWARNA HITAM didalam ruangan yangdisediakansepertipanduan dibawah.
+- MUKA SURAT TAMAT / END OF PAGE ----
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+3/3
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP R1 (AHL)
+PERMOHONAN BAYARAN TAMBAHAN
+KWSP R1
+PENGELUARAN
+(AHL)
+ADDITIONAL WITHDRAWAL PAYMENT APPLICATION FORM
+(A)MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+NO.AHLI KWSP (TIDAK PERLU DIISI OLEH PEMEGANG MyKad) NO.MyKad
+EPFMEMBERSHIP NO. (NOT REQUIRED TO BE FILLED IN BY MyKadHOLDER) MyKadNO. - -
+NO. PENGENALAN DIRI LAIN KAD KUASA POLIS MyTentera PASPORT NO.:
+OTHER IDENTIFICATION DOCUMENT NO. POLICE AUTHORITY CARD MyTentera PASSPORT
+NAMA PENUH
+FULL NAME
+(B)MAKLUMAT BAYARAN KEPADA PEMOHON / PAYMENTPARTICULARSTO APPLICANT
+ALAMAT SURAT-
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD BANDAR
+POSTCODE CITY
+NEGERI
+STATE
+NO. TELEFON (BIMBIT) NO. TELEFON (RUMAH)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (HOME)
+NO.TELEFON (PEJABAT) E-MEL
+TELEPHONE NO. (OFFICE) EMAIL
+(C)KAEDAH BAYARAN KEPADA PEMOHON (TANDAKANSALAH SATU PILIHAN SAHAJA)/ PAYMENT METHOD TO APPLICANT (TICKONE OPTION ONLY)
+PENGKREDITAN TERUS SILA LENGKAPKAN BAHAGIAN (C1)
+DIRECT CREDITING PLEASE COMPLETE SECTION (C1)
+CEK JURUBANK SILA LENGKAPKAN BAHAGIAN (C2)
+BANKER’S CHEQUE PLEASE COMPLETE SECTION (C2)
+DRAF BANK ASING SILA LENGKAPKAN BAHAGIAN (C3)
+FOREIGN BANK DRAFT PLEASE COMPLETE SECTION (C3)
+(C1) PENGKREDITAN TERUS/ DIRECT CREDITING
+1. NAMA PANEL BANK KWSP
+NAME OF EPF PANEL BANK
+2. NO. AKAUN
+ACCOUNT NO.
+(C2) CEK JURUBANK (SILA LENGKAPKAN SALAH SATU (1) SAHAJA)/ BANKER’S CHEQUE (COMPLETEONE (1) OPTION ONLY)
+CARA PENERIMAAN CEK JURUBANK KAUNTER KWSP NYATAKAN CAWANGAN KWSP: POS KE ALAMAT PEMOHON
+METHOD OF RECEIVIING BANKER’S CHEQUE EPF COUNTER STATE THE EPF BRANCH MAIL TOAPPLICANT’S ADDRESS
+NOTA: ALAMAT PEMOHON MERUJUK KEPADA ALAMAT YANG BERDAFTAR DENGAN KWSP.
+NOTE: APPLICANT’S ADDRESS REFERS TO THE ADDRESS REGISTERED WITH EPF.
+(C3) DRAF BANK ASING/ FOREIGN BANK DRAFT
+JENIS MATA WANG ASING RUJUK SENARAI MATAWANG ASING YANG DIBENARKAN DALAM PANDUAN MENGISI BORANG.
+TYPE OF FOREIGN CURRENCY REFER TO THE LIST OF APPROVED FOREIGN CURRENCIES IN THE FORM FILLING GUIDE.
+CARA PENERIMAAN DRAF BANK ASING KAUNTER KWSP NYATAKAN CAWANGAN KWSP: POS KE ALAMAT PEMOHON
+METHOD OF RECEIVIING FOREIGN BANK DRAFT EPF COUNTER STATE THE EPF BRANCH MAIL TOAPPLICANT’S ADDRESS
+NOTA: ALAMAT PEMOHON MERUJUK KEPADA ALAMAT YANG BERDAFTAR DENGAN KWSP.
+NOTE: APPLICANT’S ADDRESS REFERS TO THE ADDRESS REGISTERED WITH EPF.
+(D)JUMLAH BAYARAN TAMBAHAN PENGELUARAN/ ADDITIONALWITHDRAWAL PAYMENT TOTAL
+JUMLAH BAYARAN TAMBAHAN YANG DIMOHON ADALAH: RM .
+TOTALOF ADDITIONAL WITHDRAWAL PAYMENT APPLIED FOR IS:
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/2
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP R1 (AHL)
+PERMOHONAN BAYARAN TAMBAHAN
+KWSP R1
+PENGELUARAN
+(AHL)
+ADDITIONAL WITHDRAWAL PAYMENT APPLICATION FORM
+(E)DOKUMEN TAMBAHAN / ADDITIONALDOCUMENTS
+1. SILA BEKALKANDOKUMEN BERKAITAN YANG LAIN (JIKA DIPERLUKAN).
+PLEASE PROVIDEOTHER RELEVANT DOCUMENTS (WHERE REQUIRED).
+2.JIKA TARIKH LAHIR PEMOHON BERBEZA ANTARA DOKUMEN PENGENALAN DIRI DENGAN TARIKH LAHIR SEBENAR, SILA KEMUKAKAN:
+IF THE APPLICANT’S DATE OF BIRTH STATED ON THE IDENTIFICATION DOCUMENT DIFFERS FROM THE ACTUAL DATE OF BIRTH, PLEASE FURNISH:
+- SIJIL LAHIR ATTAU SURAT PENGESAHAN KAD PENGENALAN DARI JABATAN PENDAFTARAN NEGARA (JPN).
+BIRTH CERTIFICATE OR IDENTIFICATION DOCUMENT VERIFICATION LETTER FROM THE NATIONAL REGISTRATION DEPARTMENT (NRD).
+(F)PENGESAHAN PEMOHON / APPLICANT’S DECLARATION
+1.SAYAMENGESAHKANSEMUAMAKLUMATDANDOKUMEN(JIKABERKENAAN)YANGDIKEMUKAKANBAGIPERMOHONANINIADALAH
+BENARDANBETUL./ICONFIRMTHATALLINFORMATIONANDFURNISHANYUNTRUEORINCORRECTINFORMATIONORFURNISHORSUBMITANY
+FALSEDOCUMENTSANDISHALLBELIABLETOAFINEDOCUMENTS(WHEREAPPLICABLE)SUBMITTEDFORTHISAPPLICATIONARETRUEANDCORRECT.
+2.SAYAMEMAHAMIBAHAWAADALAHMENJADISUATUKESALAHANSEKIRANYASAYAMEMBERIKANAPA-APAMAKLUMATYANGTIDAK
+BENAR ATAU TIDAK BETUL ATAU MENGEMUKAKAN APA-APA DOKUMEN PALSU DAN SAYA BOLEH DIKENAKAN DENDA ATAU
+DIPENJARAATAUKEDUA-DUANYA./ IUNDERSTANDTHATITISANOFFENCEIFIORIMPRISONMENTORTOBOTH.
+3.SAYAMENGAMBILMAKLUMRISIKOKERUGIANPERTUKARANMATAWANGASINGJIKAMEMILIHPEMBAYARANMELALUIDRAFBANK
+ASINGDANSAYATIDAKAKANMEMBUATAPA-APATUNTUTANDARIKWSPJIKABERLAKUKERUGIANLANJUTANDARIPILIHANSAYA
+UNTUK PEMBAYARAN TERSEBUT. / I ACKNOWLEDGE THE RISK OF FOREIGN CURRENCY EXCHANGE LOSS WHEN OPTING FOR PAYMENT VIA
+FOREIGNBANKDRAFTANDISHALLNOTMAKEANYCLAIMSTOEPFIFANYLOSSESAREINCURREDDUETOMYOPTIONOFPAYMENTMETHOD.
+4.SAYADENGANINIMEMBERIKEBENARANKEPADAKWSPUNTUK/IHEREBYGIVECONSENTTOEPFTO:
+A) MEMPROSES MAKLUMAT TERMASUKLAH MAKLUMAT PERIBADI SAYA; DAN / PROCESSMYINFORMATIONINCLUDINGMYPERSONAL
+INFORMATION;AND
+B) MENZAHIRKANAPA-APAMAKLUMAT:/DISCLOSEANYINFORMATION:
+I. KEPADA KERAJAAN, PIHAK BERKUASA KAWAL SELIA DAN MANA-MANA AGENSI ATAU BIRO ATAU BADAN KERAJAAN YANG
+BERKAITAN;DAN/TOTHEGOVERNMENT,REGULATORYAUTHORITIESANDANYRELEVANTAGENCIESORBUREAUORGOVERNMENTBODIES;
+AND
+II.SELARAS DENGAN AKTA PERLINDUNGAN DATA PERIBADI 2010 ATAU MANA-MANA PERUNDANGAN BERHUBUNG DENGAN
+PERLINDUNGANDATAPERIBADIYANGBERKUATKUASA./INACCORDANCEWITHTHEPERSONALDATAPROTECTIONACT2010ORANY
+LAWSINEFFECTRELATINGTOPERSONALDATAPROTECTION.
+5.SAYAMEMAHAMIKELULUSAN/PEMBATALAN/KEMASKINIMAKLUMATBAYARANTAMBAHANPENGELUARANINITERTAKLUKKEPADA
+TERMA-TERMADANSYARAT-SYARATYANGDITENTUKANOLEHKWSP./IUNDERSTANDTHATTHEAPPROVAL/CANCELLATION/AMENDMENT
+OFINFORMATIONFORTHISADDITIONALWITHDRAWALPAYMENTISSUBJECTTOTERMSANDCONDITIONSASDETERMINEDBYEPF.
+6.SAYA DENGAN INI MENURUNKAN CAP IBU JARI ATAU TANDATANGAN DIATAS BORANG PERMOHONAN INI DAN SAYA MENGAKUI
+BAHAWA CAP IBU JARI ATAU TANDATANGAN INI ADALAH MILIK SAYA. / I HEREBY AFFIX MY THUMBPRINT(S) OR SIGNATURE ON THIS
+APPLICATIONFORMANDICONFIRMTHATTHETHUMBPRINT(S)ORSIGNATUREAFFIXEDBELONGSTOMYSELF.
+CAP IBU JARI (KIRI) / CAP IBU JARI (KANAN) /
+THUMB PRINT (LEFT) THUMB PRINT (RIGHT)
+TANDATANGAN PEMOHON
+SIGNATURE OF APPLICANT
+NAMA PENUH
+FULL NAME
+NO. DOKUMEN PENGENALAN
+DIRI / IDENTIFICATION DOCUMENT NO.
+JAWATAN / POSITION
+TARIKH PERMOHONAN (HH-BB-TTTT) - -
+DATE OF APPLICATION (DD-MM-YYYY)
+UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+TARIKH TERIMA(HH-BB-TTTT) - -
+RECEIPT DATE (DD-MM-YYYY)
+NO. ANGGOTA
+STAFF NO.
+CAWANGAN
+BRANCH OFFICE CAP TERIMA / STAMP OF RECEIPT
+- MUKA SURAT TAMAT / END OF PAGE ----
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228 2/2
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP R1 (AHL)

documents_20119_44359_Form_Pindah_Akaun_2_Ke_Akaun_1.pdf_8ec5c4ab-a30c-a85e-ae1a-6564d4df40f3?preview.md

@@ -0,0 +1,68 @@
+PINDAHAN SIMPANAN KE AKAUN
+PERSARAAN / AKAUN SEJAHTERA KWSP
+SAVINGS TRANSFER TO AKAUN PERSARAAN / 12
+AKAUN SEJAHTERA
+AHLI DINASIHATKAN UNTUK MEMBACA DENGAN TELITI ARAHAN DI BAWAH SEBELUM MENGISI BORANG /THEMEMBERISADVISEDTO
+READTHEFOLLOWINGINSTRUCTIONSCAREFULLYBEFOREFILLINGINTHEFORM:
+SilalengkapkanboranginidenganmenggunakanHURUFBESARatautandakan(✓)padayangberkenaandenganmenggunakanpendakwathitam
+ataubiru.Penggunaancecairataupitapemadampadaborangpermohonandandokumensokonganadalahtidakdibenarkan./Pleasecompletetheformin
+BLOCKLETTERSortick(✓)whereapplicableusingpenwithblackorblueink.Theuseofcorrectionfluidortapeonapplicationformandsupportingdocumentsisnotallowed.
+(A)MAKLUMAT AHLI / PARTICULARSOF THE MEMBER
+NO. AHLI KWSP
+EPF MEMBERSHIP NO.
+JENIS & NO. DOKUMEN MyKad MyPR NO. - -
+PENGENALAN DIRI (PILIH MyKad MyPR
+D IDA ENN T II FS ICI AY TA ION NG D B OCE UR MK EE NN T A TYA PN E) & NO. KAD KUASA POLIS MyTentera PASPORT NO.
+(CHOOSE AND FILL IN WHERE APPLICABLE) POLICE AUTHORITY CARD MyTentera PASSPORT
+NAMA PENUH
+FULL NAME
+(B)MAKLUMAT PINDAHAN SIMPANAN/ PARTICULARSOF SAVINGS TRANSFER
+Akaun Fleksibel (Akaun 3) ke Akaun Sejahtera (Akaun 2) RM , . 0 0
+Akaun Fleksibel (Account 3) to Akaun Sejahtera (Akaun 2)
+AkaunFleksibel(Akaun3) keAkaunPersaraan(Akaun1) RM , . 0 0
+Akaun Fleksibel (Account 3) to Akaun Persaraan (Account 1)
+Akaun Sejahtera (Akaun 2) ke Akaun Persaraan (Akaun 1) RM , . 0 0
+Akaun Sejahtera (Account 2) to Akaun Persaraan (Account 1)
+(C)PENGESAHAN AHLI / DECLARATION BY THE MEMBER
+1.SAYAMENGESAHKANBAHAWAIICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTEDFORTHIS
+APPLICATIONARETRUEANDCORRECT;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATIONISMADEBY
+MYSELFBASEDONMYSELFIDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUTTERMASUKLAH
+DATAPERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHOKEEPSMYINFORMATIONTODISCLOSE
+SUCHINFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVEPERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.TANDATANGANYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THESIGNATUREAFFIXEDFORTHISAPPLICATIONISMINE.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. AMAUNYANGTELAHDIPINDAHKANBERDASARKANPILIHANSAYATIDAKBOLEHDIKEMBALIKANKEAKAUNASAL;/THEAMOUNTTRANSFERREDBASEDONMYELECTIONSHALLNOTBE
+RETURNEDTOORIGINALACCOUNT;
+ii. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYAMEMBERIKANAPA-APAMAKLUMATYANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAU
+MEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISANOFFENCEIFIFURNISHANYUNTRUEORINCORRECT
+INFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDISHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+iii.PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSASDETERMINEDBY
+EPF.
+3.SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADADATAPERIBADI
+DANDATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIBERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI2010ATAUUNDANG-UNDANG
+LAINYANGTERPAKAIBERHUBUNGPERLINDUNGANDATAPERIBADI./IGIVECONSENTTOEPFTOPROCESSANDDISCLOSEMYINFORMATIONINCLUDING,BUTNOTLIMITEDTO,MYPERSONALDATAAND
+SENSITIVEPERSONALDATAFORTHEPURPOSEOFTHISAPPLICATIONPURSUANTTOTHEPROVISIONSOFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWSAPPLICABLERELATINGTOPERSONALDATAPROTECTION.
+TANDATANGAN AHLI
+MEMBER’S SIGNATURE
+NO. TELEFON/ BIMBIT TARIKH PERMOHONAN (HH-BB-TTTT)
+MOBILE/TELEPHONE NO. APPLICATION DATE (DD-MM-YYYY)
+- 
+E-MEL
+EMAIL
+UNTUK KEGUNAAN KWSP SAHAJA / FOR EPF USE ONLY
+1) PENGESAHAN PENERIMAAN BORANG PERMOHONAN
+TARIKH TERIMA(HH-BB-TTTT) - -
+NO. ANGGOTA
+PEJABAT KWSP
+CAP RASMI
+2) PEMPROSESAN PERMOHONAN
+TANDATANGAN TANDATANGAN
+PETUGAS PELULUS
+NAMA PETUGAS NAMA PELULUS
+NO. ANGGOTA NO. ANGGOTA
+TARIKH (HH-BB-TTTT) - - TARIKH (HH-BB-TTTT) - -
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240326 1/1
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 12

documents_20119_44380_Form_KWSP_16G_M_Register%20Self%20Contribution%20%28i-Saraan%29BI.pdf_0bc5e9f3-8e84-4697-809e-1db050d4fc59?preview.md

@@ -0,0 +1,120 @@
+PERMOHONAN PENDAFTARAN
+KWSP
+CARUMAN SUKARELA i-SARAAN / i-SURI 16G(M)
+(A) KATEGORI CARUMAN SUKARELA i-SARAAN/i-SURI -SILA TANDAKAN ((✓) SALAH SATU SAHAJA
+i-SARAAN i-SURI
+(B) MAKLUMAT PEMOHON
+NAMA PENUH
+NO. MyKad - -
+TARIKH LAHIR (HH-BB-TTTT) - - JANTINA LELAKI PEREMPUAN
+AGAMA BANGSA
+BIDANG PEKERJAAN PERTANIAN PENGANGKUTAN SURI RUMAH PEKERJA BERPENCEN
+PERNIAGAAN EJEN / JURUJUAL LANGSUNG PROFESIONAL PEKERJA GIG
+PERIKANAN ARTIS / KARYAWAN PERKHIDMATAN LAIN-LAIN (SILA NYATAKAN)
+_________________________
+(C) MAKLUMAT PERHUBUNGAN PEMOHON
+ALAMAT SURAT-
+MENYURAT
+POSKOD BANDAR
+NEGERI
+ALAMAT TETAP
+POSKOD BANDAR
+NEGERI
+NO. TELEFON (BIMBIT) NO. TEL. (PEJABAT)
+NO.TELEFON (RUMAH) WANGTUNAI CEK DRAF BANKE-MEL
+(D) PENDAFTARAN NOMBOR TELEFON TAC DAN i-AKAUN
+NO. TELEFON (TAC)
+(E) PENGESAHAN PEMOHON
+1.SAYAMENGESAHKANBAHAWA:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;
+iii.SAYA TELAH MEMBERI KEBENARAN KEPADA MANA-MANA PIHAK YANG MENYIMPAN MAKLUMAT SAYA UNTUK MENZAHIRKAN MAKLUMAT
+TERSEBUTTERMASUKLAHDATAPERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;
+iv.CAPIBUJARIYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:
+i. SAYAAKANMENCARUMKEPADAKWSPMENGIKUTSYARATDANPROSEDURYANGDITENTUKANOLEHKWSP;
+ii. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYAMEMBERIKANAPA-APAMAKLUMATYANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAU
+MEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;
+iii.KELAYAKANKEATASSUMBANGAN/INSENTIFKHASADALAHTERTAKLUKKEPADASYARATYANGDITENTUKANOLEHKERAJAAN;
+iv.SEKIRANYASAYABERDAFTARSEBAGAIPESERTADATABANKKEMISKINANNASIONAL(eKASIH),PERMOHONANPENDAFTARANSAYAINIAKANDIDAFTARKANDI
+BAWAHi-SURI;
+v.SEKIRANYANAMASAYATIDAKDISENARAIKANDALAMREKODPENDAFTARANeKASIHTERKINI,SAYATIDAKLAYAKUNTUKMENERIMASUMBANGAN/INSENTIFKHAS
+i-SURIDARIPADAKERAJAANBAGITAHUNTERSEBUT.
+3.SAYA MEMBERIKEBENARAN KEPADA KWSP UNTUK MEMPROSES DAN MENZAHIRKAN MAKLUMATSAYA TERMASUKLAH TETAPI TIDAK TERHAD KEPADA DATA
+PERIBADIDANDATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIKEPADA(i)KERAJAAN;(ii)PIHAKBERKUASAKAWALSELIA;DAN(iii)MANA-MANA
+AGENSI,BIRODANBADANKERAJAANYANGBERKAITAN,BERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI2010ATAUUNDANG-UNDANGLAIN
+YANGTERPAKAIBERHUBUNGPERLINDUNGANDATAPERIBADI. UNTUK KEGUNAAN KWSP SAHAJA
+TARIKH PERMOHONAN (HH-BB-TTTT) - -
+NO. AHLI KWSP
+CAP IBU JARI (KIRI) CAP IBU JARI (KANAN)
+TARIKH TERIMA(HH-BB-TTTT)
+- 
+NO. ANGGOTA
+CATATAN
+CAP RASMI
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: https://www.kwsp.gov.my V20240510
+1/1
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 16G(M)
+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN KKWWSSPP
+1166GG ((MM))
+CARUMAN SUKARELA i-SARAAN / i-SURI
+PEMOHONDINASIHATKANMEMBACADENGANTELITIARAHANDIBAWAHSEBELUMMENGISIBORANG:
+1. Sila lengkapkan borang ini dengan menggunakan HURUF BESAR atau tandakan (✓) pada yang berkenaan dengan
+menggunakan pen dakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen
+sokonganadalahtidakdibenarkan.
+2. Borangpermohonanbolehdihantarkemana-manaPejabatKWSPyangberhampiransecaraserahantangan.
+3. Berikutmerupakanmaklumatyangperludifahamiolehpemohonsebelummembuatpermohonan:
+Bil. Perkara i-Saraan i-Suri
+1 Objektif Tujuan insentif ini diperkenalkan bagi Tujuaninsentifinidiperkenalkanuntuk:
+menggalakkan golongan yang bekerja sendiri i. Menjaga kebajikan wanita sebagai suri rumah atau
+mencarum secara sukarela mengikut ketua keluargadanmengiktirafsumbanganmereka
+kemampuan ahli bagi tujuan simpanan dalam kesejahteraan keluarga dan pembangunan
+persaraan. negara;
+ii. Menggalakkan pihak suami membuat caruman
+bulanan secara sukarela mengikut kemampuan ke
+akaun KWSP isteri yang tidak bekerja sebagai
+perlindungan persaraan dan asas keselamatan
+sosial;
+iii. Memberi perlindungan persaraan dan asas
+keselamatan sosialkepadawanitayangmenggalas
+tanggungjawab sebagaiketuakeluarga.
+2 Syarat i. AhliKWSP;dan i. AhliKWSP;dan
+Kelayakan ii. WarganegaraMalaysia;dan ii. WarganegaraMalaysia;dan
+Pendaftaran iii. Berumur60tahunkebawah;dan iii. Berumur55tahunkebawah,dan
+iv. Mana-mana orang yang bekerja sendiri iv. GolongansurirumahyangberdaftardenganeKasih
+atau tiada pendapatan tetap seperti (setakatsenaraiterkini)
+pemandu teksi, penjaja, petani, nelayan,
+perunding bebas, suri rumah, kakitangan
+kerajaanyangbertaraf pencendanlain-lain.
+3 InsentifKhas i. Mendapat Insentif Khas sebanyak i. Mendapat Insentif Khas sebanyak 50% bagi setiap
+15% setahun,tertaklukkepadainsentifkhas RM1 caruman, tertakluk kepada insentif khas
+maksimum tahunan sebanyak RM500 atau maksimum tahunan sebanyak RM300 atau had
+had maksimum seumur hidup sebanyak maksimum sebanyak RM3,000 seumur hidup atau
+RM5,000 atau mencapai umur 60 tahun, telah mencapai umur 55 tahun, mana-mana
+mana-manaterdahulu. terdahulu.
+ii. Insentif khas ini hanya untuk sepanjang ii. Insentifkhas inihanya dibayar sekiranya memenuhi
+tempohyangditetapkanoleh Kerajaan. syarat yangditetapkansepertiberikut:
+iii. Insentif khas ini terhad kepada ahli yang • TersenaraididalamdataeKasihterkini;dan
+berumurdibawah60tahunsahajadanakan • Belummencapaiumur55tahun.
+dikreditkankedalamAkaunPersaraan. iii. Insentif khas ini akan dikreditkan ke dalam Akaun
+Persaraan,AkaunSejahteradanAkaunFleksibel.
+4. Berikutadalahpanduanmengisiborang:-
+(A) KATEGORICARUMANSUKARELAi-SARAAN/i-SURI
+Silatandakan((✓)padasalahsatupilihansahaja
+(B) MAKLUMATPEMOHON
+LengkapkanNamadanNo.MyKadmengikutmaklumatdidalamMyKadpemohon.ButiransepertiTarikhLahir,Jantina,
+Agama,BangsadanRuanganBidangPekerjaanjugaperludilengkapkan.
+(C) MAKLUMATPERHUBUNGANPEMOHON
+Lengkapkan maklumat perhubunganterkini pemohon iaitu Alamat Surat-Menyurat, No. Telefon Rumah, No. Telefon
+Bimbit,No.TelefonPejabat,danE-mel.
+(D) PENDAFTARANNO.TELEFONTACDANi-AKAUN
+LengkapkanBahagian(D)denganmaklumatNo.TelefonTACbagitujuanpendaftarani-AkaunAhli.
+(E) PENGESAHANPEMOHON
+i.PemohonperlumembacadanmemahamikandunganPENGESAHANPEMOHONsebelummenurunkancapibujari
+kanandankiri.
+ii.Cap ibu jari mestilah diturunkan dengan terang dan jelas menggunakan pad cap jari berwarna hitam di dalam
+ruanganyangdisediakansepertipanduandibawah:-
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: https://www.kwsp.gov.my V20240510
+11//11
+For any inquiries: PusatPengurusan PerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 16G(M)

documents_20119_44380_Form_KWSP_16_Register%20Self%20Contrib.%20Domestic%20Help.pdf_04ce7fd9-1595-e25a-84b0-afd14dadcf84?preview.md

@@ -0,0 +1,50 @@
+NOTIS PILIHAN KEPADA KWSP DAN MAJIKAN
+BAGI ORANG GAJI DOMESTIK KWSP 16
+DOMESTIC SERVANT OPTION NOTICE TO EPF AND EMPLOYER
+PERHATIAN: / ATTENTION:
+A. Boranginihendaklahdiisidalamduasalinan. / This form shall be completed in two copies.
+B. Setelahdiisiolehorang gajidomestiksatusalinanborangin mestilahdihantarkepadaKumpulan Wang SimpananPekerja
+dan satusalinanlagikepadamajikan. /Once completed by the domestic servant, one copy of this form shall be submitted to Employees
+Provident Fund and one copy shall be submitted to the employer.
+C. Mana-mana orang yang memberiapa-apakenyataanyang tidakbetulatautidakbenarataumengemukakanataumemberi-
+kanapa-apadokumenyang palsuyang mengandungibutir-butirmustahakadalahmenjadisatukesalahandan akanmenye-
+babkandirinyauntukdihukumdenda, penjaraataukedua-duanyasekali. / It is an offence if any persons furnish any untrue or incor-
+rectstatements or submit or furnish any false documents containing important information and shall be liable to a fine or imprisonment or to both.
+(A)MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+Saya, (NAMA PENUH DALAM HURUF BESAR) ________________________________________________________________
+I, (FULL NAME IN BLOCK LETTERS)
+No. MyKad ______________________ No. Ahli KWSP (JIKA TELAH MENDAFTAR SEBAGAI AHLI KWSP): _______________
+My.KadNo. EPF Membership No. (IF ALREADY REGISTERED AS AN EPF MEMBER)
+yang beralamatdi _______________________________________________________________________________________
+with address at
+______________________________________________________________________________________________________
+Poskod________________ Bandar ___________________________________ Negeri______________________________
+Postcode City State
+sebagaiseoranggajidomestiksebagaimanayang ditakrifkandi bawahSeksyen 3 AktaPamapasanPekerja1952 dan digajioleh
+as a domestic servant as defined under Section 3 of the Workmen’s Compensation Act 1952 and employed by
+(NAMA MAJIKAN) ___________________________________________ yang beralamatdi _____________________________
+(EMPLOYER NAME) with address at
+______________________________________________________________________________________________________
+______________________________________________________________________________________________________
+Poskod________________ Bandar ___________________________________ Negeri______________________________
+Postcode City State
+dengan ini memilih mencarum kepada Kumpulan Wang Simpanan Pekerja menurut Perenggan (3) daripada Jadual Pertama
+herebyopttocontributetoEmployeesProvidentFundinaccordancetoParagraph(3)oftheFirstScheduleundertheEmployeesProvidentFund
+AktaKumpulanWangSimpananPekerja1991.
+Act1991.
+(B)PENGESAHAN PEMOHON / DECLARATION BYAPPLICANT (C)PENGESAHAN MAJIKAN / DECLARATION BYEMPLOYER
+SAYAMENGESAHKAN SEMUA MAKLUMAT DAN DOKUMEN YANG SAYAMENGESAHKAN SEMUA MAKLUMAT YANG DIBERIKAN
+DIBERIKAN BAGI PERMOHONAN INI ADALAH BETUL DAN BENAR. ADALAH SAH DAN BENAR.
+ICONFIRM THAT ALL INFORMATION AND DOCUMENTS SUBMITTED ICONFIRM THAT ALL INFORMATION SUBMITTED FOR THIS
+FOR THIS APPLICATION ARE CORRECT AND TRUE. APPLICATION ARE VALID AND TRUE..
+TANDATANGAN MAJIKAN
+EMPLOYER’S SIGNATURE
+NAMA PENUH
+FULL NAME
+TANDATANGAN PEMOHON
+APPLICANT’S SIGNATURE NO. MyKad
+MyKadNo.
+T REA CR EII PK TH D AT TE ER (DI DM -MA M( -H YH YY-B YB )-TTTT) - - TARIKH (HH-BB-TTTT) - -
+DATE (DD-MM-YYYY)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 16 1/1

documents_20119_44380_Form_KWSP_3A_Member%27s%20Account%20Consolidation_BI.pdf_742df98b-2647-8320-4134-1b051d4ac333?preview.md

@@ -0,0 +1,124 @@
+PERMOHONAN PENYATUAN AKAUN AHLI
+KWSP 3A
+MEMBER ACCOUNT AMALGAMATION APPLICATION FORM
+(A) MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad MyPR MyKas NO.: - -
+PENGENALAN DIRI (PILIH MyKad MyPR MyKas
+DAN ISI YANG BERKENAAN)
+I N AD O PE P.N L(T C ICI HF AI OC BOA LST EEI )O AN N D DO FC ILU LM IE NN WT HT EY RP EE & K LAA MD AP / E ON LDG IE .CN .ALAN K POA LD IC EK AU UA THS OA R ITP YO CL AI RS D M Myy TT ene ten rt aera P PAA SS SPP OO RR TT NO.:
+TARIKH LAHIR (HH-BB-TTTT) - - JANTINA LELAKI PEREMPUAN
+DATE OF BIRTH (DD-MM-YYYY) GENDER MALE FEMALE
+AGAMA BANGSA
+RELIGION RACE
+TARAF PENDUDUK
+WARGANEGARA BUKAN WARGANEGARA PEMASTAUTIN TETAP PEMASTAUTIN SEMENTARA
+MALAYSIA / MALAYSIAN CITIZEN NON CITIZEN PERMANENT RESIDENT TEMPORARY RESIDENT
+RESIDENTIAL STATUS
+KEWARGANEGARAAN (UNTUK DIISI OLEH BUKAN WARGANEGARA MALAYSIA SAHAJA) /
+CITIZENSHIP (TO BE FILLED BY NON-MALAYSIAN CITIZENS ONLY)
+NOMBOR AHLI KWSP YANG NO.AHLI KWSP 1 NO.AHLI KWSP 3
+DIMOHON UNTUK DISATUKAN EPF MEMBERSHIP NO. 1 EPF MEMBERSHIP NO. 3
+EPF MEMBERSHIP NUMBERS FOR ACCOUNT NO.AHLI KWSP 2 NO.AHLI KWSP 4
+AMALGAMATION APPLICATION EPF MEMBERSHIP NO. 2 EPF MEMBERSHIP NO. 4
+(B) MAKLUMAT PERHUBUNGAN PEMOHON(SEKIRANYA INGIN DIKEMAS KINI)/ APPLICANT’S CONTACT INFORMATION (IF UPDATE REQUIRED)
+ALAMAT SURAT
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TELEFON (BIMBIT) NO.TELEFON (PEJABAT)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (OFFICE)
+NO.TELEFON (RUMAH) E-MEL
+TELEPHONE NO. (HOME) EMAIL
+(C) PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYAMENGESAHKANBAHAWA:/ICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTEDFORTHIS
+APPLICATIONARETRUEANDCORRECT;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATIONISMADEBYMYSELF
+BASEDONMYSELFIDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUTTERMASUKLAHDATA
+PERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHOKEEPSMYINFORMATIONTODISCLOSESUCH
+INFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVEPERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.CAPIBUJARIYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THETHUMBPRINT(S)AFFIXEDFORTHISAPPLICATIONBELONGSTOMYSELF.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYA MEMBERIKANAPA-APAMAKLUMAT YANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAU
+MEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISANOFFENCEIFIFURNISHANYUNTRUEORINCORRECT
+INFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDISHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+ii.PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSASDETERMINEDBYEPF.
+3.SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADADATAPERIBADIDAN
+DATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIBERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI2010ATAUUNDANG-UNDANGLAIN
+YANGTERPAKAIBERHUBUNGPERLINDUNGANDATAPERIBADI./IGIVECONSENTTOEPFTOPROCESSANDDISCLOSEMYINFORMATIONINCLUDING,BUTNOTLIMITEDTO,MYPERSONALDATAANDSENSITIVE
+PERSONALDATAFORTHEPURPOSEOFTHISAPPLICATIONPURSUANTTOTHEPROVISIONSOFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWSAPPLICABLERELATINGTOPERSONALDATAPROTECTION.
+TARIKH PERMOHONAN (HH-BB-TTTT) - - UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+DATE OF APPLICATION (DD-MM-YYYY)
+NAMA PEGAWAIPENGESAH :
+NAME OF REVIEWOFFICER
+CAP IBU JARI (KIRI) CAP IBU JARI (KANAN) NO. ANGGOTA / STAFF NO. :
+THUMB PRINT (LEFT) THUMB PRINT (RIGHT)
+TARIKH - - MASA : AM
+TERIMA TERIMA PM
+(HH-BB-TTTT) (JJ:MM)
+CAP TERIMA / RECEIPT STAMP
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3A
+PANDUAN MENGISI BORANG
+KWSP 3A
+PERMOHONAN PENYATUAN AKAUN AHLI
+1. Pemohondinasihatkanmembacadengantelitiarahan-arahandidalampanduaninisebelummengisiborang.
+2. Sila lengkapkan borang ini dengan menggunakan HURUF BESAR atau tandakan (✓) pada yang berkenaan dengan
+menggunakan pen dakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen
+sokonganadalahtidakdibenarkan.
+3. Berikutadalahpanduanborangbagibahagian-bahagianutamadidalamborangpermohonanKWSP3Aiaitu:-
+(A)MAKLUMATPEMOHON
+LengkapkandenganmaklumatsebagaimanadidalamMyKad/MyPR/MyKASataudokumenpengenalandirilainpemohoniaitu:-
+Nama,NomborAhliKWSP,NomborMyKad/MyPR/MyKAS,NomborPengenalanDiri/Polis/Tentera/Pasportlain,NomborKad
+Pengenalan Lama, Warganegara (ahli bukan warganegara sahaja), Taraf Penduduk, Agama, Bangsa dan Nombor Ahli yang
+dipohonuntukdisatukan.
+(B)MAKLUMATPERHUBUNGANPEMOHON
+AhliperlumelengkapkanruanganAlamatSuratMenyurat,AlamatE-mel,NomborTelefonberkenaansekiranyainginmengemas
+kinimaklumat-maklumattersebut.
+(C)PENGESAHANPEMOHON
+Ahli dikehendaki menurunkan cap ibu jari (kanan dan kiri) dengan terang dan jelas di dalam ruangan yang disediakan dengan
+menggunakanpadcapjariberwarnahitamsepertiberikut:-
+4. DOKUMENPENGENALANDIRIPEMOHON
+DokumenpengenalandiripemohonhendaklahdicetakataudisalindiataskertasbersaizA4.BagiahliyangmemilikiMyKad/MyPR/MyKAS,
+silacetakatausalinbahagianhadapandanbelakangMyKadMyPR/MyKASatasmukasuratyangsamakertasA4seperticontohberikut:-
+5. Serahan borang di kaunter KWSP hendaklah dengan membawa bersama dokumen sokongan asal berserta salinannya bagi tujuan
+pengesahanolehPegawaiKWSP(sekiranyapengesahansalinandokumenbelumdibuat).
+6. BorangpermohonanbolehjugadihantarkepadaKWSPmelaluiposkealamat:-
+JABATANPENGURUSANTRANSAKSI
+Menara KWSP
+No 1, Persiaran KWASA Utama, KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+7. Bagipermohonanmelaluipos,semuasalinandokumensokonganyangdikehendakiperludisertakanbersama-samadantelahdisahkan
+olehsalahsatudaripadasenaraipihakyangdiiktirafKWSPiaitu:-
+- PegawaiKWSPyangterdiridaripadaPegawaiGred18dankeatas
+- PegawaiKaunterKWSP
+- MajikanPemohon
+- PenghuluatauPenggawa
+- JaksaPendamai
+- KumpulanPengurusan/ProfesionalKerajaan
+- AhliDewanUndanganNegeri
+- AhliParlimen
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228 1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3A
+PANDUAN MENGISI BORANG
+KWSP 3A
+PERMOHONAN PENYATUAN AKAUN AHLI
+8. SemuadokumensokonganyangdiperlukansepertidibawahhendaklahdicetakataudisalindiataskertasbersaizA4:-
+i. BorangPindaanMaklumatAhli(KWSP3Pindaan)
+ii. SalinanMyKad/MyPR/MyKAS/KadKuasaPolis/Tentera/SuratPengesahanKadPengenalanAwam/Pasport
+iii. Sejarahperkhidmatan/pekerjaan/majikanyanglengkap
+iv. SuratPengesahanMajikan/PenyataGaji/SuratTawaranPekerjaan/BorangEA(sekiranyaperlu)
+v. SijilKelahiran(sekiranyaperlu)
+vi. SijilWarganegara(sekiranyamasihbelummendapatkadpengenalan)
+vii. SuratAkuanSumpah(sekiranyaperlu)
+viii. Suratsokongandarimana-manabadankerajaan(sekiranyaperlu)
+ix. SuratPihakBerkuasaAgamabagiahliberagamaIslam,atausuratdaripadaPejabatAgamaIslamyangdiberikuasa;atauSurat
+MahkamahSyariah(pindaannamadanagamasahaja)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3A

documents_20119_44380_Form_KWSP_3B_Top%20Up%20Registration.pdf_a4d41c29-b2b4-9682-b025-4c0107d1c23a?preview.md

@@ -0,0 +1,119 @@
+PERMOHONAN PENDAFTARAN
+PENAMBAH SIMPANAN / PENERIMA SIMPANAN KWSP 3B
+SAVINGS TOPPER/ TOPPEE REGISTRATION APPLICATION FORM
+(A) MAKLUMAT PEMOHON (PENAMBAHSIMPANAN)/ APPLICANT’S PARTICULARS (SAVINGS TOPPER)
+NAMA PENUH
+FULL NAME
+NO. AHLI KWSP (TIDAK PERLU DIISIOLEH PEMEGANG MyKad)
+EPFMEMBERSHIP NO. (NOT REQUIRED TO FILL IN FOR MyKadOWNER)
+JENIS & NO. DOKUMEN MyKad NO.: - -
+PENGENALAN DIRI (PILIH MyKad
+DAN ISI YANG BERKENAAN)
+IDENTIFICATION DOCUMENT TYPE & KAD KUASA POLIS MyTentera PASPORT NO.:
+NO. (CHOOSE AND FILL IN WHERE POLICE AUTHORITY CARD MyTentera PASSPORT
+APPLICABLE)
+TARIKH LAHIR (HH-BB-TTTT) - - JANTINA LELAKI PEREMPUAN
+DATE OF BIRTH (DD-MM-YYYY) GENDER MALE FEMALE
+AGAMA BANGSA
+RELIGION RACE
+TARAF PENDUDUK
+WARGANEGARA BUKAN WARGANEGARA PEMASTAUTIN TETAP
+MALAYSIA / MALAYSIAN CITIZEN NON CITIZEN PERMANENT RESIDENT
+RESIDENTIAL STATUS
+KEWARGANEGARAAN (UNTUK DIISI OLEH BUKAN WARGANEGARA MALAYSIA SAHAJA) /
+CITIZENSHIP (TO BE FILLED BY NON-MALAYSIAN CITIZENS ONLY)
+(B) MAKLUMAT PERHUBUNGAN PEMOHON/ APPLICANT’S CONTACT INFORMATION
+ALAMAT SURAT
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TELEFON (BIMBIT) NO.TELEFON (PEJABAT)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (OFFICE)
+NO.TELEFON (RUMAH) E-MEL
+TELEPHONE NO. (HOME) EMAIL
+(C) MAKLUMAT PENERIMAAN SIMPANAN/ PARTICULARS OF SAVINGS TOPPEE(S)
+NO. AHLI KWSP NO. DOKUMEN PENGENALAN DIRI NAMAPENUH (SEPERTI DALAM DOKUMEN PENGENALAN DIRI) PERTALIAN
+EPF MEMBERSHIP NO. IDENTIFICATION DOCUMENT NO. FULL NAME (PER IDENTIFICATION DOCUMENT) RELATIONSHIP
+(D) PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYAMENGESAHKANBAHAWA:/ICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTEDFORTHIS
+APPLICATIONARETRUEANDCORRECT;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATIONISMADEBYMYSELF
+BASEDONMYSELFIDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUTTERMASUKLAHDATA
+PERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHOKEEPSMYINFORMATIONTODISCLOSESUCH
+INFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVEPERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.CAPIBUJARIYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THETHUMBPRINT(S)AFFIXEDFORTHISAPPLICATIONBELONGSTOMYSELF.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYA MEMBERIKANAPA-APAMAKLUMAT YANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAU
+MEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISANOFFENCEIFIFURNISHANYUNTRUEORINCORRECT
+INFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDISHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+ii.PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSASDETERMINEDBYEPF.
+3.SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADADATAPERIBADIDAN
+DATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIBERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI2010ATAUUNDANG-UNDANGLAIN
+YANGTERPAKAIBERHUBUNGPERLINDUNGANDATAPERIBADI./IGIVECONSENTTOEPFTOPROCESSANDDISCLOSEMYINFORMATIONINCLUDING,BUTNOTLIMITEDTO,MYPERSONALDATAANDSENSITIVE
+PERSONALDATAFORTHEPURPOSEOFTHISAPPLICATIONPURSUANTTOTHEPROVISIONSOFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWSAPPLICABLERELATINGTOPERSONALDATAPROTECTION.
+TARIKH PERMOHONAN (HH-BB-TTTT) - - UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+DATE OF APPLICATION (DD-MM-YYYY)
+CAP IBU JARI (KIRI) CAP IBU JARI (KANAN)
+TARIKH TERIMA(HH-BB-TTTT)
+THUMB PRINT (LEFT) THUMB PRINT (RIGHT) RECEIPT DATE (DD-MM-YYYY)
+- 
+NO. AHLI KWSP / EPF MEMBERSHIP NO.
+NO. ANGGOTA / STAFF NO.
+CAWANGAN / BRANCH OFFICE
+CAP TERIMA / STAMP OF RECEIPT
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3B
+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN KWSP 3B
+PENAMBAH SIMPANAN / PENERIMA SIMPANAN
+1. Pemohondinasihatkanmembacadengantelitiarahan-arahandidalampanduaninisebelummengisiborang.
+2. Sila lengkapkan borang ini dengan menggunakan HURUF BESAR atau tandakan (✓) pada yang berkenaan dengan
+menggunakan pen dakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen
+sokonganadalahtidakdibenarkan.
+3. PenerimaSimpananadalahterdiridaripadaisteri,suami,ibubapaatauanak-anakkepadapemohon.
+4. Semuasalinandokumensokongan,salinanMyKadataudokumenpengenalandirilainahlidanPenerimaSimpananhendaklah
+dicetak atau disalin di atas kertas bersaiz A4. Bagi ahli dan Penerima Simpanan yang memiliki MyKad, sila cetak atau salin
+bahagianhadapandanbelakangMyKadatasmukasuratyangsamakertasA4seperticontohdalamgambardibawah:-
+5. Pemohon dikehendaki menurunkan tandatangan, tarikh permohonan serta cap ibu jari kanan dan kiri. Cap ibu jari mestila
+diturunkandenganterangdanjelasdenganmenggunakanpadcapjariberwarnahitamdidalamruanganyangdisediakanseperti
+7.
+panduandibawah:-
+6. Bagi permohonan serahan borang di kaunter KWSP, Pemohon hendaklah membawa bersama dokumen sokongan asal berserta
+salinannya bagi tujuan pengesahan oleh Pegawai KWSP (sekiranya pengesahan salinan dokumen belum dibuat).
+7. Borang permohonan ini boleh juga dihantar kepada KWSP melalui pos ke alamat:-
+JABATAN PENGURUSAN TRANSAKSI
+Menara KWSP
+No 1, Persiaran KWASA Utama, KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+7. Bagipermohonanmelaluipos,semuasalinandokumensokonganyangdikehendakiperludisertakanbersama-samadantelahdisahkan
+olehsalahsatudaripadasenaraipihakyangdiiktirafKWSPiaitu:-
+- PegawaiKWSPyangterdiridaripadaPegawaiGred18dankeatas
+- PegawaiKaunterKWSP
+- MajikanPemohon
+- PenghuluatauPenggawa
+- JaksaPendamai
+- KumpulanPengurusan/ProfesionalKerajaan
+- AhliDewanUndanganNegeri
+- AhliParlimen
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3B
+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN KWSP 3B
+PENAMBAH SIMPANAN / PENERIMA SIMPANAN
+8. Dokumen-dokumensokonganyangdiperlukanadalahsepertidiberikut:-
+i. BorangPermohonanKWSP3B
+ii. MyKadatauKadKuasaPolis/TenteraPenambahSimpanan&PenerimaSimpanan.SuratPengesahanKadPengenalanAwam.Sijil
+KelahiranPenambah/PenerimaSimpanandiperlukansekiranyatidakmempunyaiMyKad.
+iii. PasportPenambahSimpananyangmasihsahtempohlaku(Bagibukanwarganegara)
+iv. SijilWarganegaraPenambahSimpanan–sekiranyamasihbelummendapatMyKad
+v. SijilKelahiranPenambahSimpanan(sekiranyamenambahsimpananuntukibuataubapa)
+vi. SuratNikah/SijilPerkahwinanatauSijilKelahiranAnak)sekiranyamenambahSimpananuntukisteriatausuami)
+vii. SuratPengesahanAnakAngkatdariJPN(sekiranyapenambahsimpananadalahanakangkat)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3B

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+PERMOHONAN PENGEMASKINIAN
+KWSP 3
+MAKLUMAT PERHUBUNGAN AHLI
+(KOMUNIKASI)
+MEMBER’S CONTACT INFORMATION AMENDMENT FORM
+(A) MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad NO.: - -
+PENGENALAN DIRI (PILIH MyKad
+DAN ISI YANG BERKENAAN)
+I N AD O PE P.N L(T C ICI HF AI OC BOA LST EEI )O AN N D DO FC ILU LM IE NN WT HT EY RP EE & K POA LID CE K AUU TA HOS RA IT YP CO ARL DIS M Myy TeT ne ten ratera P PAA SSS PP OO RTRT NO.:
+TARIKH LAHIR (HH-BB-TTTT) - - JANTINA LELAKI PEREMPUAN
+DATE OF BIRTH (DD-MM-YYYY) GENDER MALE FEMALE
+AGAMA BANGSA
+RELIGION RACE
+(B) PINDAAN MAKLUMAT PERHUBUNGAN PEMOHON / AMENDMENT OF APPLICANT’S CONTACT INFORMATION
+SILATANDAKAN(✓) DANLENGKAPKANMAKLUMATYANGHENDAKDIPINDASAHAJA./PLEASETICK(✓)ANDCOMPLETETHEDETAILSTOBEAMENDEDONLY.
+ALAMAT SURAT-
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+ALAMAT TETAP
+PERMANENT ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TELEFON (BIMBIT) E-MEL
+TELEPHONE NO. (MOBILE) EMAIL
+NO. TELEFON (RUMAH)
+TELEPHONE NO. (HOME)
+NO. TELEFON (PEJABAT)
+TELEPHONE NO. (OFFICE)
+ANDA DINASIHATKAN SUPAYA SENTIASA MENGEMAS KINI MAKLUMAT PERHUBUNGAN ANDA SEKIRANYA TERDAPAT SEBARANG PERUBAHAN.
+PENGEMASKINIANMAKLUMATPERHUBUNGANBOLEHDILAKUKANMELALUIi-Akaun(Ahli) ANDAATAUMELALUISALURANKAUNTERATAUMEL
+MENGGUNAKANBORANGKWSP3(KOMUNIKASI)./YOUAREADVISEDTOUPDATEYOURCONTACTINFORMATIONFREQUENTLYTOREFLECTANYCHANGES.YOURCONTACT
+INFORMATIONMAYBEUPDATEDVIAYOURi-Akaun(Member)ORVIAEPFCOUNTERORMAILTHROUGHSUBMISSIONOFTHEKWSP3(KOMUNIKASI)FORM.
+(C) PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYAMENGESAHKANBAHAWA:/ICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTEDFORTHIS
+APPLICATIONARETRUEANDCORRECT;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATIONISMADEBYMYSELF
+BASEDONMYSELFIDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUTTERMASUKLAH
+DATAPERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHOKEEPSMYINFORMATIONTODISCLOSE
+SUCHINFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVEPERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.TANDATANGANYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THESIGNATUREAFFIXEDFORTHISAPPLICATIONBELONGSTOMYSELF.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYAMEMBERIKANAPA-APAMAKLUMATYANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAU
+MEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISANOFFENCEIFIFURNISHANYUNTRUEORINCORRECT
+INFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDISHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+ii.PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSASDETERMINEDBY
+EPF.
+3.SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADADATAPERIBADI
+DANDATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIBERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI2010ATAUUNDANG-UNDANG
+LAINYANGTERPAKAIBERHUBUNGPERLINDUNGANDATAPERIBADI./IGIVECONSENT
+T AO NDEP SF ENT SO ITP IR VEOC PE ES RS SOAN ND ALD DIS AC TL AOS FE ORMY THIN EF PO UR RM PA OT SIO EN OIN FC TL HU ISDI AN PG P, LB ICU AT TN IOO NTL PI UM RIT SE UD ANTO T, TM OY TP HE ERS PO RN OA VL ISD IOA NT SA UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+OFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWSAPPLICABLERELATINGTOPERSONALDATA
+PROTECTION. NO. AHLI KWSP / EPF MEMBERSHIP NO.
+NO. ANGGOTA / STAFF NO.
+TANDATANGAN PEMOHON
+APPLICANT’S SIGNATURE
+TARIKH TERIMA(HH-BB-TTTT)/
+RECEIPT DATE (DD-MM-YYYY)
+TARIKH PERMOHONAN (HH-BB-TTTT) - -
+DATE OF APPLICATION (DD-MM-YYYY) - -
+CAP TERIMA / STAMP OF RECEIPT
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3 (KOMUNIKASI)
+PANDUAN MENGISI BORANG
+PERMOHONAN PENGEMASKINIAN KWSP 3
+(KOMUNIKASI)
+MAKLUMAT KOMUNIKASI AHLI
+1. Pemohon dinasihatkan membaca dengan teliti arahan-arahan di dalam panduan ini sebelum mengisi borang.
+2. Sila lengkapkan borang ini dengan menggunakan HURUF BESAR atau tandakan (✓) pada yang berkenaan dengan
+menggunakan pen dakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen
+sokongan adalah tidak dibenarkan.
+3. Berikut adalah panduan borang bagi bahagian-bahagian utama di dalam borang permohonan KWSP 3 (KOMUNIKASI) iaitu :-
+(A) MAKLUMAT PEMOHON
+Lengkapkan maklumat sebagaimana di dalam MyKad atau dokumen lain pengenalan diri pemohon iaitu Nama,
+Nombor MyKad, Jantina, Agama, Bangsa dan Nombor Polis / Tentera / Pasport.
+(B) PINDAAN MAKLUMAT PERHUBUNGAN PEMOHON
+Lengkapkan maklumat komunikasi yang hendak dipinda sahaja: Alamat Surat-Menyurat, Alamat Tetap, Nombor
+Telefon Rumah, Telefon Pejabat ,Telefon Bimbit dan Alamat E-mel.
+(C) PENGESAHAN PEMOHON
+Pemohon dikehendaki melengkapkan Tarikh Permohonan dan menurunkan Tandatangan
+4. Semua salinan dokumen sokongan hendaklah dibuat dalam kertas saiz A4. Bagi salinan MyKad/ Kad Kuasa Polis atau
+Tentera / Pasport ia PERLU dibuat kedua-dua bahagiannya (depan & belakang) di atas sekeping kertas saiz A4 pada muka
+surat yang sama seperti contoh di bawah :-
+5. Pastikandokumenyangdisertakanbersama-samadenganborangpermohonandiklipkandantidakmenggunakandawaikokot
+(stapler).Untukpindaanahlibukanwarganegara,dokumensokonganperludisahkanolehmajikan/pihakyangdibenarkanoleh
+KWSP.Dokumen-dokumensokonganyangdiperlukanmengikutjenispermohonanadalahsepertiberikut:-
+Bukan
+Bil Dokumen WarganegaraMalaysia
+Warganegara
+i BorangPermohonanKWSP3 (Komunikasi)  
+Salinan MyKad / Kad Kuasa Polis / Tentera atau SuratPengesahan
+ii 
+Kad PengenalanAwam
+Salinan Sijil Kelahiran / Sijil Warganegara – sekiranya tidak
+iii 
+mempunyaiMyKad
+Salinan Pasport yang masih sah tempoh laku yang disahkan oleh
+iv 
+majikan/pihakyangdibenarkanolehKWSP.(Sekiranyaberkaitan)
+6. Bagi permohonan melalui pos, borang permohonan dan salinan dokumen sokongan yang dikehendaki perlu disertakan
+bersama-sama. Borang permohonan boleh juga dihantar kepada KWSP melalui pos ke alamat :-
+JABATAN PENGURUSAN TRANSAKSI
+Menara KWSP
+No 1, Persiaran KWASA Utama,
+KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+- MUKA SURAT TAMAT / END OF PAGE ---
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3 (KOMUNIKASI)

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+PERMOHONAN PINDAAN MAKLUMAT AHLI KWSP 3
+MEMBER’S INFORMATION AMENDMENT FORM (PINDAAN)
+(A)MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad NO.: - -
+PENGENALAN DIRI (PILIH DAN MyKad
+ISI YANG BERKENAAN)
+IDENTIFICATION DOCUMENT TYPE & NO. KAD KUASA POLIS MyTentera PASPORT NO.:
+(CHOOSE AND FILL IN WHERE APPLICABLE) POLICE AUTHORITY CARD MyTentera PASSPORT
+AGAMA BANGSA JANTINA LELAKI PEREMPUAN
+RELIGION RACE GENDER MALE FEMALE
+(B)PINDAAN MAKLUMAT PEMOHON / AMENDMENT OF APPLICANT’S INFORMATION
+SILATANDAKAN(✓) DANLENGKAPKANMAKLUMATYANGHENDAKDIPINDASAHAJA./PLEASETICK(✓)ANDCOMPLETETHEDETAILSTOBEAMENDEDONLY.
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad NO.: - -
+PENGENALAN DIRI (PILIH MyKad
+DAN ISI YANG BERKENAAN)
+IDENTIFICATION DOCUMENT TYPE & KAD KUASA POLIS MyTentera PASPORT NO.:
+NO. (CHOOSE AND FILL IN WHERE POLICE AUTHORITY CARD MyTentera PASSPORT
+APPLICABLE)
+TARIKH LAHIR (HH-BB-TTTT) - - JANTINA LELAKI PEREMPUAN
+DATE OF BIRTH (DD-MM-YYYY) GENDER MALE FEMALE
+AGAMA BANGSA
+RELIGION RACE
+TARAF PENDUDUK WARGANEGARA BUKAN WARGANEGARA PEMASTAUTIN PEMASTAUTIN SEMENTARA
+MALAYSIA / MALAYSIAN CITIZEN NON CITIZEN TETAP TEMPORARY RESIDENT
+RESIDENTIAL STATUS PERMANENT RESIDENT
+KEWARGANEGARAAN (UNTUK DIISI OLEH BUKAN WARGANEGARA MALAYSIA SAHAJA)
+CITIZENSHIP (TO BE FILLED BY NON-MALAYSIAN CITIZENS ONLY)
+ALAMAT SURAT-
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TEL. (BIMBIT) NO. TEL. (PEJABAT)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (OFFICE)
+NO. TEL. (RUMAH) E-MEL
+TELEPHONE NO. (HOME) EMAIL
+(C)PENDAFTARAN NOMBOR TELEFON TAC DAN i-AKAUN/ TAC AND i-AKAUN REGISTRATION PHONE NUMBER
+NO TELEFON (TAC) SILA ISI NOMBOR TELEFON BAGI TUJUAN PENDAFTARAN i-AKAUN DAN PENERIMAAN TAC (TRANSACTION
+TELEPHONE NO. (TAC) ACTIVATION CODE)DI HADAPAN PEGAWAI KWSP. / PLEASE FILL IN PHONE NUMBER BEFORE THE EPF OFFICER
+FOR i-AKAUN REGISTRATION AND TAC (TRANSACTIONACTIVATION CODE) RECEIVINGPURPOSES.
+(D)PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYAMENGESAHKANBAHAWA:/ICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTEDFORTHISAPPLICATIONARETRUEANDCORRECT;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATIONISMADEBYMYSELFBASEDONMYSELF
+IDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUTTERMASUKLAHDATAPERIBADIDANDATA
+PERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHOKEEPSMYINFORMATIONTODISCLOSESUCHINFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVE
+PERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.CAPIBUJARIYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THETHUMBPRINT(S)AFFIXEDFORTHISAPPLICATIONBELONGSTOMYSELF.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYAMEMBERIKANAPA-APAMAKLUMATYANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAUMEMBERIKANAPA-APA
+DOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISANOFFENCEIFIFURNISHANYUNTRUEORINCORRECTINFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDI
+SHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+ii. PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSASDETERMINEDBYEPF.
+3. SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADADATAPERIBADIDANDATAPERIBADI
+SENSITIF SAYA BAGITUJUAN PERMOHONAN INI BERDASARKAN PERUNTUKAN AKTA PERLINDUNGAN DATA PERIBADI 2010 ATAU UNDANG-UNDANG LAIN YANG TERPAKAI BERHUBUNG
+PERLINDUNGANDATAPERIBADI./IGIVECONSENTTOEPFTOPROCESSANDDISCLOSEMYINFORMATIONINCLUDING,BUTNOTLIMITEDTO,MYPERSONALDATAANDSENSITIVEPERSONALDATAFORTHEPURPOSEOFTHISAPPLICATIONPURSUANTTOTHE
+PROVISIONSOFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWSAPPLICABLERELATINGTOPERSONALDATAPROTECTION.
+TARIKH PERMOHONAN (HH-BB-TTTT) - -
+DATE OF APPLICATION (DD-MM-YYYY) UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+CAP TH I UB MU B PJ RA INR T I ( L( EK FTIR )I) / CAP TIB HUU M BJ PA RR INI T ( (RK IGA HN T)AN) / NO. AHLI KWSP / EPF MEMBER NO.
+NO. ANGGOTA / STAFF NO.
+TARIKH TERIMA(HH-BB-TTTT)/
+RECEIPT DATE (DD-MM-YYYY)
+- 
+CAP TERIMA / STAMP OF RECEIPT
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228 1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3 (PINDAAN)
+PANDUAN MENGISI BORANG
+KWSP 3
+PERMOHONAN PINDAAN MAKLUMAT AHLI (PINDAAN)
+1. Pemohon dinasihatkan membaca dengan teliti arahan-arahan di dalam panduan ini sebelum mengisi borang.
+2. Sila lengkapkan borang ini dengan menggunakan HURUF BESAR atau tandakan (✓) pada yang berkenaan dengan
+menggunakan pen dakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen
+sokongan adalah tidak dibenarkan.
+3. Berikut adalah panduan borang bagi bahagian-bahagian utama di dalam borang permohonan KWSP 3 (PINDAAN) iaitu :-
+(A)MAKLUMAT PEMOHON
+Lengkapkan dengan maklumat sebagaimana di dalam MyKad atau dokumen pengenalan diri lain pemohon iaitu Nama, Nombor
+MyKad, Jantina, Agama, Bangsa dan Nombor Polis / Tentera / Pasport.
+(B)PINDAAN MAKLUMAT PEMOHON
+Lengkapkan maklumat yang hendak dipinda sahaja : Nama, Nombor MyKad, Polis / Tentera / Pasport, Tarikh Lahir, Taraf
+Penduduk, Bangsa, Jantina, Kewarganegaraan, Agama, Alamat Surat-Menyurat, Nombor Telefon Rumah, Telefon Pejabat,
+Telefon Bimbit, Alamat E-mel.
+(C)PENDAFTARAN NOMBOR TELEFON TAC DAN i-AKAUN
+Maklumat No. Telefon TAC hanya dilengkapkan sekiranya permohonan dibuat oleh ahli sendiri melalui serahan kaunter.
+(D)PENGESAHAN PEMOHON
+Pemohon dikehendaki melengkapkan Tarikh Permohonan dan menurunkan Tandatangan serta Cap Ibu Jari Kanan dan Kiri. Cap
+ibu jari mestilah diturunkan dengan terang dan jelas dengan menggunakan pad cap jari berwarna hitam di dalam ruangan yang
+disediakan seperti panduan di bawah :-
+CapIbuJari CapIbuJari CapIbuJari CapIbuJari
+KANAN KANAN KANAN KANAN
+✓ X X X
+BETUL SALAH SALAH SALAH
+4. SemuasalinandokumensokonganhendaklahdibuatdalamkertassaizA4.BagisalinanMyKad/KadKuasaPolisatauTentera/Pasportia
+PERLUdibuatkedua-duabahagiannya(depan&belakang)diatassekepingkertassaizA4padamukasuratyangsamaseperticontohdi
+bawah:-
+✓ X
+BETUL SALAH
+5. Pastikandokumenyangdisertakanbersama-samadenganborangpermohonandiklipkandantidakmenggunakanpengokot(stapler).Untuk
+pindaan ahli bukan warga negara, dokumen sokongan perlu disahkan oleh majikan / pihak yang dibenarkan oleh KWSP. Dokumen-
+dokumensokonganyangdiperlukanmengikutjenispermohonanadalahsepertiberikut:-
+Warganegara BukanWarganegara
+Bil Dokumen
+Malaysia Malaysia
+i BorangPermohonanKWSP3 (Pindaan)  
+Salinan MyKad/ Kad Kuasa Polis / Tentera atau Surat
+ii 
+Pengesahan Kad PengenalanAwam
+SalinanSijil Kelahiran/ SijilWarganegara– sekiranyatidak
+iii 
+mempunyai MyKad
+SalinanPasportterkini yangmasih sahtempohlakudanpasport
+iv 
+sebelum yang disahkanolehmajikan/pihakyang dibenarkanoleh
+KWSP.
+v SuratSumpah–sekiranyaperlu 
+Surat Pihak Berkuasa Agama bagi ahli beragama Islam
+vi atau surat daripada Pejabat Agama Islam yang diberi kuasa; 
+atau surat MahkamahSyariah(pindaannamadanagamasahaja)
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3 (PINDAAN)

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+PERMOHONAN PENDAFTARAN AHLI KWSP 3
+MEMBER REGISTRATION APPLICATION FORM (DAFTAR)
+(A) MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad NO.: - -
+PENGENALAN DIRI (PILIH MyKad
+DAN ISI YANG BERKENAAN)
+I N AD O PE P.N L(T C ICI HF AI OC BOA LST EEI )O AN N D DO FC ILU LM IE NN WT HT EY RP EE & K POA LID CE K AUU TA HOS RA IT YP CO ARL DIS M Myy TeT ne ten ratera P PAA SSS PP OO RTRT NO.:
+TARIKH LAHIR (HH-BB-TTTT) - - JANTINA LELAKI PEREMPUAN
+DATE OF BIRTH (DD-MM-YYYY) GENDER MALE FEMALE
+AGAMA BANGSA
+RELIGION RACE
+TARAF PENDUDUK
+WARGANEGARA BUKAN WARGANEGARA PENDUDUK TETAP PENDUDUK SEMENTARA
+MALAYSIA
+CITIZEN NON CITIZEN PERMANENT RESIDENT TEMPORARY RESIDENT
+MALAYSIAN RESIDENTIAL STATUS
+KEWARGANEGARAAN (UNTUK DIISI OLEH BUKAN WARGANEGARA MALAYSIA SAHAJA) /
+CITIZENSHIP (TO BE FILLED BY NON-MALAYSIAN CITIZENS ONLY)
+(B) MAKLUMAT PERHUBUNGAN TERKINI PEMOHON / APPLICANT’S CURRENT CONTACT INFORMATION
+ALAMAT SURAT-
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+ALAMAT TETAP
+PERMANENT ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TELEFON (BIMBIT) NO. TEL. (PEJABAT)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (OFFICE)
+NO.TELEFON (RUMAH) E-MEL
+TELEPHONE NO. (HOME) EMAIL
+SALURAN PILIHAN UNTUK DIHUBUNGI SURAT KAUNTER
+PREFERRED CONTACT CHANNEL LETTER COUNTER
+(C) PENDAFTARAN NOMBOR TELEFON TAC DAN i-AKAUN/ TAC AND i-AKAUN REGISTRATION PHONE NUMBER
+NO. TELEFON (TAC) SILA ISI NOMBOR TELEFON BAGI TUJUAN PENDAFTARAN i-AKAUN DAN PENERIMAAN TAC (TRANSACTION
+ACTIVATION CODE)DI HADAPAN PEGAWAI KWSP. / PLEASE FILL IN PHONE NUMBER BEFORE THE EPF OFFICER
+TELEPHONE NO. (TAC) FOR i-AKAUN REGISTRATION AND TAC (TRANSACTIONACTIVATION CODE) RECEIVINGPURPOSES.
+(D) PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYAMENGESAHKANBAHAWA:/ICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTEDFORTHIS
+APPLICATIONARETRUEANDCORRECT;
+ii. PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATIONISMADEBYMYSELF
+BASEDONMYSELFIDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUTTERMASUKLAHDATA
+PERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHOKEEPSMYINFORMATIONTODISCLOSESUCH
+INFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVEPERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.CAPIBUJARIYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THETHUMBPRINT(S)AFFIXEDFORTHISAPPLICATIONBELONGSTOMYSELF.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. ADALAHMENJADISUATUKESALAHANSEKIRANYASAYA MEMBERIKANAPA-APAMAKLUMAT YANGTIDAKBENARATAUTIDAKBETULATAUMENGEMUKAKANATAU
+MEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISANOFFENCEIFIFURNISHANYUNTRUEORINCORRECT
+INFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDISHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+ii.PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSASDETERMINEDBYEPF.
+3.SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADADATAPERIBADIDAN
+DATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIBERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI2010ATAUUNDANG-UNDANGLAIN
+YANGTERPAKAIBERHUBUNGPERLINDUNGANDATAPERIBADI./IGIVECONSENTTOEPFTOPROCESSANDDISCLOSEMYINFORMATIONINCLUDING,BUTNOTLIMITEDTO,MYPERSONALDATAANDSENSITIVE
+PERSONALDATAFORTHEPURPOSEOFTHISAPPLICATIONPURSUANTTOTHEPROVISIONSOFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWSAPPLICABLERELATINGTOPERSONALDATAPROTECTION.
+TARIKH PERMOHONAN (HH-BB-TTTT) - - UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+DATE OF APPLICATION (DD-MM-YYYY)
+CAP IBU JARI (KIRI) / CAP IBU JARI (KANAN) / NO. AHLI KWSP / EPF MEMBER NO.
+THUMB PRINT (LEFT) THUMB PRINT (RIGHT)
+NO. ANGGOTA / STAFF NO.
+TARIKH TERIMA(HH-BB-TTTT)/
+RECEIPT DATE (DD-MM-YYYY)
+- 
+CAP TERIMA / STAMP OF RECEIPT
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3 (DAFTAR)
+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN AHLI KWSP 3
+(DAFTAR)
+MEMBERS REGISTRATION APPLICATION
+FORM FILLING GUIDE
+1. SilalengkapkanboranginidenganmenggunakanHURUFBESARatautandakan(✓)padayangberkenaandenganmenggunakan
+pendakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen sokongan adalah
+tidakdibenarkan./PleasecompletetheforminBLOCKLETTERSortick(✓)whereapplicableusingpenwithblackorblueink.Theuseofcorrection
+fluidortapeonapplicationformandsupportingdocumentsisnotallowed.
+2. Panduanpengisianbahagian-bahagianutamaborangpermohonanKWSP 3 (DAFTAR) sepertiberikut:-/Guide to completing the KWSP 3
+(DAFTAR) form sections is as follows:-
+(A) MAKLUMATPEMOHON/APPLICANT’SPARTICULARS
+Lengkapkan dengan maklumat sebagaimana di dalam Dokumen Pengenalan Diri pemohon /Completetherelevantfieldswith
+informationasperapplicant’sIdentificationDocument.
+(B) MAKLUMATPERHUBUNGANPEMOHON/APPLICANT’SCONTACTINFORMATION
+Lengkapkanmaklumatperhubunganterkinipemohon./Completethefieldswithcurrentcontactinformation.
+(C) PENDAFTARANNOMBORTELEFONTACDANi-AKAUN/TACANDi-AKAUNREGISTRATIONPHONENUMBER
+No.TelefonTAChanyadilengkapkan sekiranyapermohonandibuatolehahlisendirimelaluiserahankaunter./TheTAC
+TelephoneNumberistobecompletediftheapplicationismadebythememberviacountersubmission.
+(D) PENGESAHAN PEMOHON / APPLICANT’S DECLARATION
+Lengkapkantarikhpermohonandanturunkancapibujari.Capibujarikiridankananhendaklahditurunkandenganterang
+danjelas menggunakan padcapibujari berwarnahitam dalam kotak yang diperuntukkan, seperti panduan dancontoh di
+bawah:/Fillinthedateofapplicationandaffixthumbprints.Theleftandrightthumbprintsmustbeaffixedclearlywithinthedesignatedfield
+usingblackinkpad,perfollowingguidanceexamples:
+ BETUL/ CORRECT  SALAH/ INCORRECT
+BERADA DI TENGAH DAN DI PENURUNAN SEMULA DI TIDAK BERADA DI TENGAH MELEBIHI SEMPADAN
+DALAM SEMPADAN KOTAK / LUAR KOTAK/ REAFFIXED KOTAK / NOT CENTERED KOTAK / EXCEED FIELD
+CENTERED WITHIN THE FIELD OUTSIDE THE FIELD WITHIN THE FIELD BOUNDARY
+4. Dokumenyangperludikemukakansepertijadualberikut:-/Requiredsubmissiondocumentsaspertablebelow:-
+Warganegara BukanWarganegara
+Bil. / DokumenYang PerluDikemukakan/
+Malaysia / Malaysia /
+No. Required Submission Documents
+MalaysianCitizen NonMalaysianCitizen
+BorangPermohonanPendaftaranAhli, KWSP 3 (Daftar). / Member Registration
+i) Perlu/ Required Perlu/ Required
+Application Form, KWSP 3 (Daftar).
+Salinan MyKad/ KadKuasa Polis/ Tentera atauSurat PengesahanKad
+ii) PengenalanAwam. / Copy of MyKad, Police Authority Card or MyTentera; Verification Perlu/ Required –
+Letter.
+NotisPilihanKepadaKWSP Dan MajikanBagiOrang BukanDomisil, KWSP
+iii) – Perlu/ Required
+16B.
+Salinan pasportdan permit kerjayang masihsahtempohlaku. / Copy of valid
+iv) – Perlu/ Required
+passportand work permit.
+Bagi pemohon bukan Warganegara Malaysia, dokumen sokongan perlu disahkan oleh majikan/ pihak yang dibenarkan
+oleh KWSP. /ForapplicantswhoareNonMalaysianCitizens,allsupportingdocumentsarerequiredtobeverifiedbytheiremployers/EPF
+authorizedparties.
+5. Semua dokumen termasuk borang permohonan dan dokumen sokongan hendaklah menggunakan kertas bersaiz A4 dan
+dilampirkan bersama tanpa menggunakan dawai kokot. Salinan depan dan belakang Dokumen Pengenalan perlu di muka
+suratyangsama. /AllsubmitteddocumentsincludingapplicationformsandsupportingdocumentsmustbeonA4-sizedpaperandattached
+togetherwithoutusingstaples.ThefrontandbackcopiesofIdentificationDocumentmustbeonthesamepage.
+ BETUL/ CORRECT  SALAH/ INCORRECT
+SALINAN DEPAN DAN BELAKANG SALINAN DEPAN DAN BELAKANG
+DOKUMEN PENGENALAN DI DOKUMEN PENGENALAN DI MUKA
+MUKA SURAT YANG SAMA / SURAT YANG BERASINGAN /
+FRONT AND BACK COPIES OF THE FRONT AND BACK COPIES OF THE
+IDENTIFICATION DOCUMENT ARE ON IDENTIFICATION DOCUMENT ARE ON
+THE SAME PAGE DIFFERENT PAGES
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 3 (DAFTAR)

documents_20119_44380_Form_KWSP_AT_2_Matrimonial%20Asset%20Claim_BI.pdf_a40ffad0-fe21-eafa-8abe-8df4be6f251a?preview.md

@@ -0,0 +1,174 @@
+PERMOHONAN TUNTUTAN HARTA PERKAHWINAN KWSP
+MATRIMONIAL ASSET CLAIM APPLICATION AT(2)
+(A)MAKLUMAT PERINTAH MAHKAMAH / PARTICULARS OF COURTORDER
+TARIKHPERINTAH MAHKAMAH(HH-BB-TTTT) - -
+COURT ORDER DATE (DD-MM-YYYY)
+NO. RUJUKAN
+PERINTAH MAHKAMAH
+COURT ORDER REFERENCE NO
+NAMAMAHKAMAH
+NAME OF COURT
+AMAUNATAU PERATUSANYANGDIPERINTAHKANOLEHMAHKAMAH: / AMOUNT OR PERCENTAGEASORDEREDBYTHE COURT:
+AMAUN RM ATAU PERATUSAN . %
+AMOUNT OR PERCENTAGE
+(B)MAKLUMAT PEMBERI / DEFENDANT’S PARTICULARS
+NO.AHLI KWSP
+EPFMEMBERSHIP NO.
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad NO.:
+PENGENALAN DIRI (PILIH MyKad
+DAN ISI YANG BERKENAAN)
+IDENTIFICATION DOCUMENT TYPE & NO. KAD KUASA POLIS MyTentera PASPORT NO.:
+(CHOOSE AND FILL IN WHERE APPLICABLE) POLICE AUTHORITY CARD MyTentera PASSPORT
+ALAMAT SURAT-
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TELEFON (BIMBIT) NO. TELEFON(PEJABAT)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (OFFICE)
+NO.TELEFON (RUMAH) E-MEL
+TELEPHONE NO. (HOME) EMAIL
+(C)MAKLUMAT PEMOHON / APPLICANT’S PARTICULARS
+NO.AHLI KWSP NOTA 1 : SEKIRANYA PEMOHON BUKAN AHLI KWSP, SILA DAFTAR SEBAGAI AHLI.
+EPFMEMBERSHIP NO. NOTE 1 : IF THE APPLICANT IS NOT AN EPF MEMBER, PLEASE REGISTER AS A MEMBER.
+NAMA PENUH
+FULL NAME
+JENIS & NO. DOKUMEN MyKad NO.:
+PENGENALAN DIRI (PILIH MyKad
+DAN ISI YANG BERKENAAN)
+IDENTIFICATION DOCUMENT TYPE & NO. KAD KUASA POLIS MyTentera PASPORT NO.:
+(CHOOSE AND FILL IN WHERE APPLICABLE) POLICE AUTHORITY CARD MyTentera PASSPORT
+AGAMA BANGSA
+RELIGION RACE
+ALAMAT SURAT-
+MENYURAT
+CORRESPONDENCE ADDRESS
+POSKOD NEGERI
+POSTCODE STATE
+NO. TELEFON (BIMBIT) NO. TELEFON(PEJABAT)
+TELEPHONE NO. (MOBILE) TELEPHONE NO. (OFFICE)
+NO.TELEFON (RUMAH) E-MEL
+TELEPHONE NO. (HOME) EMAIL
+NOTA 2: SILA SERTAKAN SALINAN DOKUMEN PENGENALAN DIRI PEMOHON DAN DOKUMEN ASALPERINTAH MAHKAMAH.
+NOTE 2: PLEASE ATTACH A COPY OF THE APPLICANT’S IDENTITY DOCUMENT AND THE ORIGINAL COURT ORDER.
+UNTUK KEGUNAAN KWSP SAHAJA/FOR EPF USE ONLY
+TARIKH TERIMA(HH-BB-TTTT) - -
+RECEIPT DATE (DD-MM-YYYY)
+NO. ANGGOTA
+STAFF NO.
+CAWANGAN
+BRANCH OFFICE
+CAP TERIMA / STAMP OF RECEIPT
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP AT(2)
+PERMOHONAN TUNTUTAN HARTA PERKAHWINAN KWSP
+MATRIMONIAL ASSET CLAIM APPLICATION AT(2)
+NO. RUJUKAN
+PERINTAH MAHKAMAH
+COURT ORDER REFERENCE NO
+(D)PENGESAHAN PEMOHON /DECLARATION BY APPLICANT
+1.SAYAMENGESAHKANBAHAWA:/ICONFIRMTHAT:
+i. SEMUAMAKLUMATDAN/ATAUDOKUMENYANGDIKEMUKAKANBAGIPERMOHONANINIADALAHBENARDANBETUL;/ALLINFORMATIONAND/ORDOCUMENTSSUBMITTED
+FORTHISAPPLICATIONARETRUEANDCORRECT;
+ii.PERMOHONANINIDIBUATOLEHSAYASENDIRIBERDASARKANMAKLUMATPENGENALANDIRISAYAYANGTELAHDIDAFTARKANDIKWSP;/THISAPPLICATION
+ISMADEBYMYSELFBASEDONMYSELFIDENTIFICATIONINFORMATIONREGISTEREDWITHEPF;
+iii.SAYATELAHMEMBERIKEBENARANKEPADAMANA-MANAPIHAKYANGMENYIMPANMAKLUMATSAYAUNTUKMENZAHIRKANMAKLUMATTERSEBUT
+TERMASUKLAHDATAPERIBADIDANDATAPERIBADISENSITIFSAYAKEPADAKWSPBAGITUJUANPERMOHONANINI;/IHAVEGIVENMYCONSENTTOANYPARTYWHO
+KEEPSMYINFORMATIONTODISCLOSESUCHINFORMATIONINCLUDINGMYPERSONALDATAANDSENSITIVEPERSONALDATATOEPFFORTHEPURPOSEOFTHISAPPLICATION;
+iv.CAPIBUJARIYANGDITURUNKANBAGIPERMOHONANINIADALAHMILIKSAYA./THETHUMBPRINT(S)AFFIXEDFORTHISAPPLICATIONBELONGSTOMYSELF.
+2.SAYATELAHMEMBACA,MEMAHAMIDANBERSETUJUBAHAWA:/IHAVEREAD,UNDERSTOODANDAGREEDTHAT:
+i. ADALAH MENJADI SUATU KESALAHAN SEKIRANYA SAYA MEMBERIKAN APA-APA MAKLUMAT YANG TIDAK BENAR ATAU TIDAK BETUL ATAU
+MENGEMUKAKANATAUMEMBERIKANAPA-APADOKUMENPALSUDANSAYABOLEHDIKENAKANDENDAATAUDIPENJARAATAUKEDUA-DUANYA;/ITISAN
+OFFENCEIFIFURNISHANYUNTRUEORINCORRECTINFORMATIONORFURNISHORSUBMITANYFALSEDOCUMENTSANDISHALLBELIABLETOAFINEORIMPRISONMENTORTOBOTH;
+ii.PERMOHONANINIADALAHTERTAKLUKKEPADATERMADANSYARATYANGDITENTUKANOLEHKWSP./THISAPPLICATIONISSUBJECTTOTHETERMSANDCONDITIONSAS
+DETERMINEDBYEPF.
+3.SAYAMEMBERIKEBENARANKEPADAKWSPUNTUKMEMPROSESDANMENZAHIRKANMAKLUMATSAYATERMASUKLAHTETAPITIDAKTERHADKEPADA
+DATAPERIBADIDANDATAPERIBADISENSITIFSAYABAGITUJUANPERMOHONANINIBERDASARKANPERUNTUKANAKTAPERLINDUNGANDATAPERIBADI
+2010 ATAUUNDANG-UNDANG LAIN YANGTERPAKAI BERHUBUNG PERLINDUNGAN DATAPERIBADI./IGIVECONSENTTOEPFTOPROCESSANDDISCLOSEMYINFORMATION
+INCLUDING,BUTNOTLIMITEDTO,MYPERSONALDATAANDSENSITIVEPERSONALDATAFORTHEPURPOSEOFTHISAPPLICATIONPURSUANTTOTHEPROVISIONSOFTHEPERSONALDATAPROTECTIONACT2010OROTHERLAWS
+APPLICABLERELATINGTOPERSONALDATAPROTECTION.
+CAP IBU JARI (KIRI) CAP IBU JARI (KANAN)
+THUMB PRINT (LEFT) THUMB PRINT (RIGHT)
+TARIKH PERMOHONAN (HH-BB-TTTT)
+DATE OF APPLICATION (DD-MM-YYYY)
+- 
+- MUKA SURAT TAMAT / END OF PAGE ----
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP AT(2)
+PANDUAN MENGISI BORANG
+KWSP
+PERMOHONAN TUNTUTAN HARTA PERKAHWINAN AT(2)
+1. Pemohondinasihatkanmembacadengantelitiarahan-arahandidalampanduaninisebelummengisiborang.
+2. Sila lengkapkan borang ini dengan menggunakan HURUF BESAR atau tandakan (✓) pada yang berkenaan dengan
+menggunakan pen dakwat hitam atau biru. Penggunaan cecair atau pita pemadam pada borang permohonan dan dokumen
+sokonganadalahtidakdibenarkan.
+3. Berikutadalahpanduan borangbagibahagian-bahagian utamadidalamborangpermohonanKWSPAT(2)iaitu:-
+(A) MAKLUMAT PERINTAH MAHKAMAH - Sila pastikan hanya maklumat dari Perintah Mahkamah yang digunakan
+untukmelengkapkanbahagianini.
+(B) MAKLUMAT PEMBERI -Lengkapkan dengan maklumat sebagaimana di dalam MyKad atau dokumen pengenalan diri lain
+pembericaruman(defendan)iaitu:-
+- NomborAhliKWSP,NomborMyKad,Polis/Tentera/Pasport.
+- AlamatSurat-menyurat
+- Nombor Untuk Dihubungi - Isikan dengan lengkap nombor telefon rumah, pejabat dan telefon bimbit. Sekiranya
+mempunyaie-mel,silalengkapkanruanganyang disediakan
+(C) MAKLUMAT PEMOHON - Lengkapkan dengan maklumat sebagaimana di dalam MyKad atau dokumen pengenalan diri lain
+pemohoniaitu:-
+- NomborAhliKWSP,NomborMyKad,Polis/Tentera/Pasport.
+- Agamadanbangsa
+- AlamatSurat-Menyurat
+- Nombor Untuk Dihubungi - Isikan dengan lengkap nombor telefon rumah, pejabat dan telefon bimbit. Sekiranya
+mempunyaie-mel,silalengkapkanruanganyang disediakan.
+((CD))PENGESAHANPEMOHON
+Pemohondikehendakimenurunkantandatangan,tarikhpermohonansertacapibujarikanandankiri.Capibujarimestilah
+diturunkan dengan terang dan jelas dengan menggunakan pad cap jari berwarna hitam di dalam ruangan yang disediakan
+sepertipanduandibawah:-
+CapIbuJari CapIbuJari CapIbuJari CapIbuJari
+KANAN KANAN KANAN KANAN
+✓ ✘ ✘ ✘
+BETUL SALAH SALAH SALAH
+4. Semua salinan dokumen sokongan hendaklah dibuat dalam saiz A4 dan pastikan dokumen yang disertakan bersama-sama
+denganborangpermohonandiklipkandantidakmenggunakandawaikokot(stapler).
+5. Salinan MyKad/Kad Kuasa Polis atau Tentera/Pasport PERLU dibuat kedua-dua bahagiannya (depan & belakang) di atas
+sekeping kertas saiz A4 pada muka surat yang sama dan disertakan bersama cap ibu jari kanan dan kiri yang diturunkan ke
+atassalinantersebutseperticontohdibawah:-
+Kiri Kanan
+Kiri Kanan
+✓ ✘
+BETUL SALAH
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP AT(2)
+PANDUAN MENGISI BORANG
+KWSP
+PERMOHONAN TUNTUTAN HARTA PERKAHWINAN AT(2)
+6. Serahan borang di kaunter KWSP hendaklah dengan membawa bersama dokumen sokongan asal berserta salinannya bagi
+tujuan pengesahan oleh Pegawai KWSP (sekiranya pengesahan salinan dokumen belum dibuat).
+7. Borang permohonan boleh juga dihantar kepada KWSP melalui pos ke alamat :-
+JABATAN PENGURUSAN TRANSAKSI
+Menara KWSP
+No 1, Persiaran KWASA Utama,
+KWASA Damansara, Seksyen U4,
+40150 Shah Alam, Selangor.
+8. Bagi permohonan melalui pos, semua salinan dokumen sokongan yang dikehendaki perlu disertakan bersama-sama dan telah
+disahkan oleh pihak yang diiktiraf KWSP iaitu :-
+- Pegawai KWSP yang terdiri daripada Pegawai Gred 18 dan ke atas
+- Pegawai Kaunter KWSP
+- Majikan Pemohon
+- Penghulu atau Penggawa
+- Jaksa Pendamai
+- Kumpulan Pengurusan/Profesional Kerajaan
+- Ahli Dewan Undangan Negeri
+- Ahli Parlimen
+9. Dokumen-dokumen sokongan yang diperlukan adalah seperti berikut :-
+- Borang KWSP AT(2)
+- MyKad pemohon atau Kad Kuasa Polis/Tentera/Pasport pemohon (bagi pemohon bukan warganegara)
+- Surat Perintah Mahkamah yang disahkan
+- Borang KWSP 3 (sekiranya penerima bukan ahli KWSP)
+- MUKA SURAT TAMAT / END OF PAGE ----
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+2/2
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP AT(2)

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+PANDUAN MENGISI BORANG
+PERMOHONAN PENDAFTARAN / KWSP
+17A/ 18A
+PEMBATALAN MENCARUM MELEBIHI
+(AHL)
+KADAR BERKANUN (SYERPEKERJA)
+PANDUAN MENGISI BORANG INI ADALAH MERUJUK KEPADA BAHAGIAN-BAHAGIAN UTAMA DI DALAM BORANG
+PERMOHONAN
+1. Pemohondinasihatkanmembacadengantelitipanduaninisebelummengisiborang.
+2. BoranginihendaklahdilengkapkandenganmenggunakanPENDAKWAT HITAMdanditulismenggunakan
+HURUFBESAR.
+3. Berikutadalahpanduanbagibahagian-bahagianutamadidalamborangpermohonanKWSP17A(AHL)/KWSP
+18A(AHL)
+iaitu:-
+(A) JenisPermohonan(Tandakan√disalahsatukotaksahaja)
+JikaandamemilihPendaftaranCarumanMelebihiKadarBerkanun,silalengkapkan
+Bahagian (A1). JikaandamemilihPembatalanCarumanMelebihiKadar Berkanun, sila
+lengkapkanBahagian(A2).
+(A1)PENDAFTARANCARUMANMELEBIHIKADARBERKANUN[KWSP17A(AHL)]
+Pemohon dikehendakimelengkapkanperatuskadar carumanyangdikehendakidanbulanupahkuat
+kuasa
+(A2)PEMBATALANCARUMAN MELEBIHIKADAR BERKANUN[KWSP18A(AHL)]
+Pemohondikehendaki melengkapkanperatuskadarcarumanyangdikehendakidanbulanupahkuat
+kuasa
+(B) PENGESAHANPILIHAN AHLI/PEKERJA
+SilaturunkancapjariatautandatanganpemohondenganTERANGDAN JELASdidalamruangan
+yangdisediakan sepertipanduandibawah:-
+(C) MAKLUMAT MAJIKAN
+LengkapkanmaklumatNo.MajikandanNamaMajikan .
+(D) PENGESAHANMAJIKAN
+LengkapkanmaklumatTandatanganMajikan,Nama, No.PengenalanDiri,Jawatan,E-Mel,
+No.Telefon/Bimbit,Tarikh danCapRasmiMajikan.
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 17A/ 18A (AHL)
+BORANG PERMOHONAN PENDAFTARAN /
+KWSP
+PEMBATALAN MENCARUM MELEBIHI 17A/ 18A
+(AHL)
+KADAR BERKANUN (SYERPEKERJA)
+(A) JENIS PERMOHONAN –TANDAKAN ( X ) DI SALAH SATU KOTAK SAHAJA
+PENDAFTARAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP PEMBATALAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP 18A
+17A (AHL)] -(SILA LENGKAPKAN BAHAGIAN A1) (AHL)] -(SILA LENGKAPKAN BAHAGIAN A2)
+(A1) PENDAFTARAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP 17A (AHL)]
+1. Sayadenganinimembuatpilihanuntukmencarummelebihikadarberkanunbagisyerpekerjasebanyak . %
+berkuatkuasauntukbulanupah tahun
+Andahanyadibenarkanmemilihbagibulanupahsemasaatausehinggaduabulankehadapansahaja.
+NOTA:PilihaniniberkuatkuasamulaibulanupahdinyatakandiatasatauberdasarkankepadabulanyangdikuncimasukolehMajikandii-Akaun
+(Majikan);mengikutmana-manayangterkemudian.
+2. Permohonanbaharuiniakanmembatalkansemuapilihanmencarummelebihikadarberkanunsediaada(jikaada).
+SayaadalahterikatkepadapilihaninisehinggasayamemberiborangpembatalankepadaKWSPatausehinggasayabertukarmajikan,mengikut
+3.
+mana-manayangterdahulu.
+(A2) PEMBATALAN CARUMAN MELEBIHI KADAR BERKANUN [KWSP 18A (AHL)]
+Sayabersetujuuntukmembatalkanpilihancarumanmelebihikadarberkanunbagisyerpekerjaberkuatkuasamulai
+1. tahun
+bulanupah
+Andahanyadibenarkanmemilihbagibulanupahsemasaatausehinggaduabulankehadapansahaja.
+NOTA:PilihaniniberkuatkuasamulaibulanupahdinyatakandiatasatauberdasarkankepadabulanyangdikuncimasukolehMajikandii-Akaun(Majikan);
+mengikutmana-manayangterkemudian
+(B) PENGESAHAN PILIHAN AHLI / PEKERJA
+NO. PENGENALAN
+NO. AHLI
+DIRI
+NAMA
+TANDATANGAN/
+CAP IBU JARI AHLI TARIKH (HH/BB/TTTT) / /
+C) MAKLUMAT MAJIKAN
+NO. MAJIKAN
+NAMA MAJIKAN
+D) PENGESAHAN MAJIKAN /EMPLOYER’S CONFIRMATION
+SAYA DENGAN INI MENGESAHKAN DAN MENGAMBIL MAKLUM BAHAWA PEKERJA DI ATAS TELAH MEMILIH UNTUK MENDAFTAR ATAU MEMBATAL
+CARUMAN MELEBIHI KADAR BERKANUN DAN AKAN MENGUNCI MASUK DI DALAM I-AKAUN (MAJIKAN) SEPERTI YANG DINYATAKAN DALAM BORANG INI.
+TANDATANGAN MAJIKAN/
+WAKIL MAJIKAN
+NAMA
+NO. PENGENALAN DIRI
+JAWATAN
+E-MEL
+NO. TELEFON/ BIMBIT
+TARIKH CAP RASMI MAJIKAN
+E) PERHATIAN
+- Ahli hendaklahmenyimpansalinanborangdanborangasalhendaklahdiserahkankepadaMajikan.
+- Majikanhendaklahmenyimpanborangasal
+Untuksebarangpertanyaan: LamanWeb RasmiKWSP / EPF Official Website: www.kwsp.gov.my V20240228
+1/1
+For any inquiries: PusatPengurusanPerhubunganKWSP / EPF Contact Management Centre :03-8922 6000 KWSP 17A/ 18A (AHL)