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)