{"id":187192,"date":"2025-03-26T06:45:12","date_gmt":"2025-03-26T06:45:12","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/"},"modified":"2025-03-26T06:45:12","modified_gmt":"2025-03-26T06:45:12","slug":"how-to-withdraw-money-from-epf-for-housing-loan","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/","title":{"rendered":"How to withdraw money from EPF for housing loan?"},"content":{"rendered":"<p>If you are considering purchasing a house or repaying your existing housing loan, the Employees Provident Fund (EPF) can provide a significant source of funding. The EPF allows its members to withdraw money for housing purposes, which can make owning a home much more affordable. In this article, we will guide you through the process of withdrawing money from EPF for a housing loan and provide answers to some commonly asked questions.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#How_to_Withdraw_Money_from_EPF_for_Housing_Loan\" title=\"How to Withdraw Money from EPF for Housing Loan?\">How to Withdraw Money from EPF for Housing Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#Frequently_Asked_Questions_FAQs_about_EPF_Withdrawal_for_Housing_Loan\" title=\"Frequently Asked Questions (FAQs) about EPF Withdrawal for Housing Loan:\">Frequently Asked Questions (FAQs) about EPF Withdrawal for Housing Loan:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#1_Can_I_withdraw_money_from_EPF_for_a_second_housing_loan\" title=\"1. Can I withdraw money from EPF for a second housing loan?\">1. Can I withdraw money from EPF for a second housing loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#2_Am_I_required_to_repay_the_withdrawn_amount\" title=\"2. Am I required to repay the withdrawn amount?\">2. Am I required to repay the withdrawn amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#3_How_much_can_I_withdraw_from_my_EPF_for_a_housing_loan\" title=\"3. How much can I withdraw from my EPF for a housing loan?\">3. How much can I withdraw from my EPF for a housing loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#4_Can_I_still_withdraw_from_my_EPF_if_I_have_exhausted_my_Account_2_balance\" title=\"4. Can I still withdraw from my EPF if I have exhausted my Account 2 balance?\">4. Can I still withdraw from my EPF if I have exhausted my Account 2 balance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#5_How_long_does_it_take_for_the_EPF_to_process_the_withdrawal_application\" title=\"5. How long does it take for the EPF to process the withdrawal application?\">5. How long does it take for the EPF to process the withdrawal application?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#6_Can_I_withdraw_money_from_EPF_for_a_housing_loan_if_I_am_still_servicing_an_existing_housing_loan\" title=\"6. Can I withdraw money from EPF for a housing loan if I am still servicing an existing housing loan?\">6. Can I withdraw money from EPF for a housing loan if I am still servicing an existing housing loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#7_Can_I_use_EPF_money_to_buy_a_property_from_a_family_member\" title=\"7. Can I use EPF money to buy a property from a family member?\">7. Can I use EPF money to buy a property from a family member?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#8_Can_I_withdraw_money_from_EPF_to_renovate_my_house\" title=\"8. Can I withdraw money from EPF to renovate my house?\">8. Can I withdraw money from EPF to renovate my house?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#9_Is_it_possible_to_withdraw_money_from_EPF_for_a_housing_loan_if_I_am_self-employed\" title=\"9. Is it possible to withdraw money from EPF for a housing loan if I am self-employed?\">9. Is it possible to withdraw money from EPF for a housing loan if I am self-employed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#10_Can_I_withdraw_money_from_EPF_for_a_housing_loan_if_I_am_a_foreigner_working_in_Malaysia\" title=\"10. Can I withdraw money from EPF for a housing loan if I am a foreigner working in Malaysia?\">10. Can I withdraw money from EPF for a housing loan if I am a foreigner working in Malaysia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#11_What_happens_to_my_EPF_account_if_I_withdraw_money_for_a_housing_loan\" title=\"11. What happens to my EPF account if I withdraw money for a housing loan?\">11. What happens to my EPF account if I withdraw money for a housing loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#12_Can_I_withdraw_from_EPF_for_a_housing_loan_if_I_am_not_the_main_applicant\" title=\"12. Can I withdraw from EPF for a housing loan if I am not the main applicant?\">12. Can I withdraw from EPF for a housing loan if I am not the main applicant?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Withdraw_Money_from_EPF_for_Housing_Loan\"><\/span>How to Withdraw Money from EPF for Housing Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To withdraw money from your EPF for a housing loan, you need to follow these steps:<\/p>\n<p>1. <strong>Check your eligibility:<\/strong> Before proceeding with the application, ensure that you meet the EPF&#8217;s requirements for withdrawal. Typically, you should have at least RM500 in your Account 2 and have been an EPF member for a certain period.<br \/>\n2. <strong>Submit the KWSP 9C (AHL) form:<\/strong> Obtain the KWSP 9C (AHL) form from the EPF office or their website. Fill it out with the necessary details, including your personal information, housing loan details, and the amount you wish to withdraw.<br \/>\n3. <strong>Attach required documents:<\/strong> Prepare the necessary documents, such as your identification card, housing loan offer letter, and sale and purchase agreement. Ensure that you have both the original copies and photocopies.<br \/>\n4. <strong>Submit the form and documents:<\/strong> Visit the EPF office to submit your completed form and documents. Remember to bring along your original identification card for verification purposes.<br \/>\n5. <strong>Wait for approval:<\/strong> After submitting your application, the EPF will review your request and process it accordingly. If everything is in order, they will approve the withdrawal and notify you of the amount that can be withdrawn.<br \/>\n6. <strong>Withdraw the money:<\/strong> Once your application is approved, the EPF will transfer the approved amount directly to your bank account. You can then use these funds for your housing loan payment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs_about_EPF_Withdrawal_for_Housing_Loan\"><\/span>Frequently Asked Questions (FAQs) about EPF Withdrawal for Housing Loan:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_withdraw_money_from_EPF_for_a_second_housing_loan\"><\/span>1. Can I withdraw money from EPF for a second housing loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can withdraw from your EPF for a second housing loan if you meet the eligibility criteria and have funds available in your Account 2.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Am_I_required_to_repay_the_withdrawn_amount\"><\/span>2. Am I required to repay the withdrawn amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe withdrawn amount from your EPF for a housing loan does not require repayment, but it will affect the savings in your Account 2 and future dividends.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_much_can_I_withdraw_from_my_EPF_for_a_housing_loan\"><\/span>3. How much can I withdraw from my EPF for a housing loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can withdraw a maximum of 30% from your Account 2 balance or up to the total housing loan amount required, whichever is lower.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_still_withdraw_from_my_EPF_if_I_have_exhausted_my_Account_2_balance\"><\/span>4. Can I still withdraw from my EPF if I have exhausted my Account 2 balance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your Account 2 balance is insufficient, you may be eligible to withdraw from Account 1 to fulfill your housing loan requirements.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_long_does_it_take_for_the_EPF_to_process_the_withdrawal_application\"><\/span>5. How long does it take for the EPF to process the withdrawal application?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe EPF typically takes around 10 working days to process the withdrawal application, provided all the required documents are submitted.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_withdraw_money_from_EPF_for_a_housing_loan_if_I_am_still_servicing_an_existing_housing_loan\"><\/span>6. Can I withdraw money from EPF for a housing loan if I am still servicing an existing housing loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can withdraw from EPF for a housing loan even if you are still repaying an existing loan, as long as you meet the eligibility criteria.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_use_EPF_money_to_buy_a_property_from_a_family_member\"><\/span>7. Can I use EPF money to buy a property from a family member?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can use EPF money to purchase a property from a family member, including parents, spouse, siblings, or children.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_withdraw_money_from_EPF_to_renovate_my_house\"><\/span>8. Can I withdraw money from EPF to renovate my house?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, EPF withdrawal for house renovation is not allowed. It is only permitted for the purchase or repayment of a housing loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Is_it_possible_to_withdraw_money_from_EPF_for_a_housing_loan_if_I_am_self-employed\"><\/span>9. Is it possible to withdraw money from EPF for a housing loan if I am self-employed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, EPF withdrawal for housing loans is only applicable to employees who contribute to the EPF.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_withdraw_money_from_EPF_for_a_housing_loan_if_I_am_a_foreigner_working_in_Malaysia\"><\/span>10. Can I withdraw money from EPF for a housing loan if I am a foreigner working in Malaysia?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, EPF withdrawal for housing loans is only available to Malaysian citizens who contribute to the EPF.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_happens_to_my_EPF_account_if_I_withdraw_money_for_a_housing_loan\"><\/span>11. What happens to my EPF account if I withdraw money for a housing loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWithdrawing money for a housing loan will reduce your savings in Account 2, which may impact your retirement planning and future withdrawals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_withdraw_from_EPF_for_a_housing_loan_if_I_am_not_the_main_applicant\"><\/span>12. Can I withdraw from EPF for a housing loan if I am not the main applicant?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAs long as you are a joint applicant for the housing loan, you can still withdraw from EPF even if you are not the main applicant. However, you must provide the necessary supporting documents as required by the EPF.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are considering purchasing a house or repaying your existing housing loan, the Employees Provident Fund (EPF) can provide a significant source of funding. The EPF allows its members to withdraw money for housing purposes, which can make owning a home much more affordable. In this article, we will guide you through the process &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How to withdraw money from EPF for housing loan?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/#more-187192\">Read more<span class=\"screen-reader-text\">How to withdraw money from EPF for housing loan?<\/span><\/a><\/p>\n","protected":false},"author":48,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-187192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to withdraw money from EPF for housing loan?<\/title>\n<meta name=\"description\" content=\"If you are considering purchasing a house or repaying your existing housing loan, the Employees Provident Fund (EPF) can provide a significant source of\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to withdraw money from EPF for housing loan?\" \/>\n<meta property=\"og:description\" content=\"If you are considering purchasing a house or repaying your existing housing loan, the Employees Provident Fund (EPF) can provide a significant source of\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/how-to-withdraw-money-from-epf-for-housing-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. 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