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)