• Individual purchase ; or
• Joint purchase with spouse, family members or other individuals.

You are eligible to apply if :-

• You are a :
  
  • Malaysian citizen ;
  • Non-Malaysian citizen with Malaysian Permanent Resident (PR) status ;
  • Malaysian citizen who has withdrawn your savings under Leaving The Country Withdrawal before 1 August 1995 and subsequently made an election to re-contribute to EPF ; or
  • Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998.
  
  
• You have not reached 55 years of age on the date the application is received by EPF.
  
  
• You still have savings in Account II.
  

1. You have purchased a house (house types : bungalow / terrace / semi-detached / flat / condominium / apartment / studio apartment / service apartment / town house) or a shophouse with a dwelling unit ; and
   
   
2. You financed the purchase of the house by obtaining a housing loan from any financial institution approved by EPF
   OR
   You purchased the house by cash ; and
   
   
3. You have executed the Sales and Purchase Agreement not more than three years on the date the application is received by EPF ; and
   
   
4. You have never withdrawn your EPF savings for housing
   OR
   You purchased a second house - You have withdrawn your EPF savings for housing before this but you have sold the house and subsequently purchased another house (you must produce the proof of sale of the first house).
   
   
5. You wish to purchase a house by way of hire purchase from any authority authorised by EPF.
   
   
6. You purchased a piece of land and build a house on it simultaneously (the date of Land Purchase Agreement with the House Construction Agreement must be within 6 months).

However, you are not eligible to make withdrawal for the purpose of :-

• Purchasing a piece of land or a housing lot only.
  
  
• Renovate, repair or make extensions to an existing house.

1. You can withdraw your savings based on the following, whichever is lower :
   
   
   1. Individual Purchase
      
      
      The difference between the price of the house and the housing loan
      with an additional 10% of the price of the house
      OR
      The balance available in Account II.
      
      
   2. Joint Withdrawal With Spouse, Family Members or Other Individuals
      
      
      The difference between the price of the house and the housing loan
      with an additional 10% of the price of the house,
      OR
      The balance available in Account II of all applicants
      subject to the maximum eligible amount as stated above.
   
   
   
2. If you obtained a full housing loan (100%), you are eligible to withdraw as much as 10% of the price of the house OR the balance available in Account II, whichever is lower.
   
   
3. If you purchased a house by cash, you are eligible to withdraw as much as the price of the house with an additional 10% of the price of the house OR the balance available in Account II, whichever is lower.
   
   
4. You can choose to determine the amount you wish to withdraw from your savings in Account II, subject to the maximum amount eligible for withdrawal. You will be required to complete "Surat Akujanji Pilihan Amaun Pengeluaran" for this purpose.

Price of The House	RM 75,000.00
Housing Loan	RM 60,000.00
Difference Between Price of The House and Housing Loan	RM 15,000.00
Additional 10% of The Price of The House	RM 7,500.00
Maximum Amount Eligible For Withdrawal	RM 22,500.00
Balance Available in Account II	RM 40,000.00
The Amount That Can Be Withdrawn	RM 22,500.00

Since the maximum amount he is eligible to withdraw is lower than his total savings in Account II, Encik Sallehuddin can withdraw RM22,500.00 only.

Price of The House	RM 125,000.00
Housing Loan	NIL
Difference Between The Price of The House and Housing Loan	RM 125,000.00
Additional 10% of The Price of The House	RM 12,500.00
Maximum Amount Eligible For Withdrawal	RM 137,500.00
Balance Available in Account II	RM 60,000.00
The Amount That Can Be Withdrawn	RM 60,000.00

Since Encik Amirul has RM60,000.00 only in his Account II, he can withdraw all of his savings in Account II.

Price of The House	RM 100,000.00
Housing Loan	RM 100,000.00
Difference Between The Price of The House And Housing Loan	NIL
Additional 10% of The Price of The House	RM 10,000.00
Maximum Amount Eligible For Withdrawal By The Couple	RM 10,000.00
Balance Available in Account II for Encik Amir	RM 20,000.00
Balance Available in Account II for Puan Syuhada	RM 3,600.00
The Amount Chosen To Be Withdrawn By Encik Amir	RM 7,000.00
The Amount That Can Be Withdrawn By Puan Syuhada	RM 3,000.00
Total Amount That Can Be Withdrawn By The Couple	RM 10,000.00

Since both members obtained 100% housing loan, the maximum amount that can be withdrawn by this couple is 10% of the price of the house only, i.e. RM10,000.00 to cover for side cost. Applications will be processed according to the amount they choose to withdraw respectively, by completing "Surat Akujanji Pilihan Amaun Pengeluaran".