Housing Loan Instalment 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) ## Housing Loan Instalment Withdrawal ![](/documents/d/guest/banner-member-housing-loan-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. Housing Loan Monthly Instalment Withdrawal #### Housing Loan Monthly Instalment Withdrawal Ease Your Home Loan Repayments​ Paying the monthly instalments for a housing loan is no easy feat, especially for those of us with growing commitments. In an effort to ease the burden of homeowners, the EPF has introduced the Housing Loan Monthly Instalment Withdrawal. This allows you to make a withdrawal from your Akaun Sejahtera to cover your monthly housing loan instalments for a minimum period of six months or until your financial recovery, providing support when you find yourself in a tight spot financially. Who Can Apply ## Requirements ![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true) Malaysians & non-Malaysians (With PR status or registered as EPF Member before 1 Aug 1998) ![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?download=true) Below 55 years of age upon application ![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?download=true) Minimum balance of RM600 in Akaun Sejahtera ![icon card](/documents/20119/44056/MyIdaman%20Icons-2.png/3b60c2d4-a5b1-05be-8d3b-8a8cd1063632?download=true) Bought/built a residential house\* ![icon card](/documents/20119/44056/MyIdaman%20Icons-7.png/04ca8a71-57f4-4604-1699-91886996c5f0?download=true) You have an outstanding housing loan monthly instalment with an EPF approved loan providers recognised by the EPF\*\* ![icon card](/documents/20119/44044/Withdrawal%20Icons.png/8fb4badc-e50f-01b7-2915-dd193b913921?download=true) Started paying monthly loan instalments *\*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.* # What You Can Withdraw | Individual Withdrawal | Joint Withdrawal | | --- | --- | | Total housing loan balance  OR  Entire savings in Akaun Sejahtera | Total housing loan balance  OR  Applicant’s entire savings in Akaun Sejahtera | View Whichever is lower but subject to a minimum monthly payment of RM100 for a period of six months\* *\*The maximum monthly payment amount to you and the joint applicant (if any) should not exceed the total monthly loan instalment.* What You Should Know * Withdrawal is limited to one household per member. Any subsequent withdrawals are permissible solely for the same household. * In the case of re-financing, the loan balance accounted for is based on the original housing loan payment from the first loan financier OR the latest loan balance, whichever is lower. If several financiers are involved, the loan redemption letter will be compared against the latest balance to determine the eligible withdrawal amount. * You can make a withdrawal to reduce/settle your housing loan balance AND to pay your monthly housing loan instalment simultaneously. * For subsequent withdrawals, you can apply as early as 30-days before your final monthly instalment payment. * You can apply for withdrawals within 30 days prior to the installment date. However, disbursement of withdrawal payments will commence only after the actual installment date. * The withdrawal amount will the taken from Akaun Sejahtera and will be placed into a Special Account for your monthly loan instalment payment and its dividend will be credited into your Akaun Sejahtera after the yearly dividend declaration. * Monthly instalment payments should not exceed 55 years of age. * EPF reserves the right to cancel your monthly payment withdrawal if your loan has been fully settled, your house has been sold/auctioned/it’s ownership transferred to another party or if you have been found guilty of fraud by submitting false documents/information. * Those with NPL status can apply for withdrawal, the payment will be paid straight into the housing loan account. What You Need ## Documents * [Form KWSP 9P (AHL)](/documents/20119/44773/KWSP_9P_AHL.pdf/024e520c-7c5c-8e77-d004-d798c184fe24) (Non-MyKad holders only) * Copy of identification documents with original for verification (Non-MyKad holders only). * Passbook or copy of your bank account statement * [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245) - For mail submissions/failed thumbprint verification. * [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0) as per EPF format OR Balance statements from LPPSA (Valid for 1 month [LPPSA 3 month] from date of issuance)\* * Sale and Purchase Agreement/ Proof of Housing Loan Monthly Instalment/ Surrender of Ownership (Housing Loan Monthly Instalment Form & Title Deed/ Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete. *\*Applies to first and subsequent withdrawals, with or without re-financing. In the case of multiple re-financing, you are required to produce all Loan Approval and Debt Redemption letters from the previous financier.* [###### e-Withdrawal Straregic Partner](/corporate/panel-institutions) [###### Withdraw Via KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) [###### Apply For Manual Withdrawal](/documents/20119/44773/KWSP_9P_AHL.pdf/024e520c-7c5c-8e77-d004-d798c184fe24) Cancellation ## Monthly Instalment Cancellation Accordion ### Withdrawal Cancellation ![back chevron](/documents/d/guest/more-1) You just need to fill out the WDW004 Withdrawal Cancellation Application form. After cancellation, you can submit a new application to rearrange the amount or duration of monthly payments according to the balance in Account 2, not exceeding the existing loan balance. Cancellation can also be made through e-cancellation (i-Account Member). [Download Withdrawal Cancellation Form](/documents/20119/44773/WDW_004_Withdrawal%20Cancellation.pdf/fb81a08b-0ab8-0676-4d69-1943e58454eb) View More Additional Information ## Monthly Installment Withdrawal Additional Info Accordion ### Payment Method ![back chevron](/documents/d/guest/more-1) Direct Credit * Monthly payment in Ringgit Malaysia (RM) will be credited to your savings/current account * If you hold an active account with our panel bank and your identification number matches the bank records * You will be issued a Bankers Cheque If payment to your account is unsuccessful --- Bankers Cheque * Monthly payment will be made via Bankers Cheque to the financial provider’s address as stated in your Housing Loan Balance Statement * If your loan is a non-performing loan (NPL) --- ### 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. [Download Monthly Installment Brochure](/documents/20119/44779/Pengeluaran_Ansuran_Bulanan_11012017.pdf/ab431e23-d826-c066-38fd-f735469cb03c) 5. **Reminder** To all members who have active Housing Loan Monthly Instalments Withdrawals If your withdrawal is still active, please refer to the link below. [Download Reminder](/documents/20119/44779/JPOP-Peringatan%20Ansuran%20Bulanan_BM_31102019.png/27f138e4-17a4-4b42-bddd-5072ca4791e0) --- 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/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084) PERSONAL FINANCE Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/article28_cover.webp/afa76b60-eba8-ad5a-9c45-fd4fdf3913c2?t=1722552534385) PERSONAL FINANCE BNPL: Buy First Think Later](https://www.kwsp.gov.my/en/w/article/buy-first-think-later) [![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/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/20119/44167/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) 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)