Can I withdraw EPF for a subsale home, and how much?
Eligible subsale residential purchases are included in EPF’s Buy House Withdrawal from Akaun Sejahtera. With a loan, the limit is the lower of the account balance or purchase price minus approved loan plus 10% of the purchase price. For self-financing, it is the lower of the balance or purchase price plus 10%. EPF approval and the applicable conditions still apply.
What to do next
- Check age, savings and previous housing withdrawals.
- Prepare the SPA and financing or cash-purchase evidence.
- Apply through the eligible KWSP channel and verify payment timing.
The SPA normally must be within three years at application; eligibility and documents differ by case. This is not immediate cash for a booking payment or a guaranteed processing time.
Sources and conditions
- KWSP — EPF Withdrawal to Buy a House ↗Online sources checked:
- KWSP — Terms and Conditions, housing withdrawal ↗Online sources checked:
Source checks are not a bank approval, legal opinion or verification of a particular property. Check current conditions with the linked provider before acting.