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[Member](https://www.kwsp.gov.my/en/member) 2. [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal) 3. Reduce/ Redeem Housing Loan Withdrawal #### Reduce or Redeem Housing Loan Withdrawal Speed Up Your House Ownership Journey You can make withdrawals from Akaun Sejahtera to reduce/redeem your housing loan balance or assist your spouse with paying off theirs. # Who Can Apply #### Requirements ![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?t=1701084664960&download=true) Malaysians & Non-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/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?t=1701084665492&download=true) At least RM500 in Akaun Sejahtera ![icon card](/documents/d/guest/myidaman-icons-6?download=true) Bought/built first or second residential house\* ![icon card](/documents/d/guest/scheme-registration-icons-2?download=true) Registered owner of the property (Self Withdrawal only) ![icon card](/documents/d/guest/myidaman-icons-2-1?download=true) Residential house has been charged as collateral ![icon card](/documents/d/guest/myidaman-icons-7-1?download=true) Have an outstanding housing loan with loan providers recognised by the EPF ![icon card](/documents/d/guest/myidaman-icons-1-4?download=true) Application can be made once a year from the last withdrawal date ![icon card](/documents/20119/44050/Approved%20Document.png/9541c628-9324-6dbc-3c78-27a1178bef3c?t=1701084666013&download=true) Approved loan from recognised borrowers\*\*  *\*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 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 Cooperative/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.* #### Additional Requirements For Joint Withdrawal To assist Spouse * House is fully owned by spouse/jointly owned by member & spouse * Member's spouse is a borrower of the housing loan Categories * Individual withdrawal * Joint withdrawal with your spouse/family member What You Can Withdraw | Individual Withdrawal | Joint withdrawal | | --- | --- | | Total housing loan balance OR Entire savings in Akaun Sejahtera (whichever is lower but subject to min. RM500) | Total housing loan balance OR Applicant's entire savings in Akaun Sejahtera (whichever is lower but subject to min. RM500) | View More # What You Need * Own's Loan * Aiding Spouse's Loan #### Documents ##### With MyKad * MyKad * [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview) * Refinancing information\* * Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete * Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse * [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house. * [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification #### ##### Without MyKad * [Form KWSP 9C (AHL) (D8) and Checklist](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) * Copy of identification documents with original for verification (Non-MyKad holders only) * Refinancing information\* * [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview) * Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete * Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse * [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification * [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house. *\*Applies to 1st and subsequent withdrawals, with or without re-financing. In the case of serial re-financing, you are required to produce all Debt Redemption letters from the previous financier.* #### Documents ##### With MyKad * [Form KWSP 9C (AHL) (D8) and Checklist](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) * [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview) * [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house. * Copy of identification documents with original for verification (Non-MyKad holders only) * Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete * Passbook or copy of your bank account statement * Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse #### ##### Without MyKad * [Form KWSP 9C (AHL) (D8) (Non-MyKad holders only)](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) * Copy of identification documents with original for verification (Non-MyKad holders only) * [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715) – for mail submissions/failed thumbprint verification * [Housing loan balance statement](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677&preview) * Sale and Purchase Agreement/Proof of Mortgage/Surrender of Ownership (Mortgage Form & Title Deed/Deed of Assignment) – if the information in your Housing Loan Balance Statement is incomplete * Marriage Certificate/Birth Certificate – for withdrawal to assist a spouse * [Proof of Sale/Disposal](/documents/d/guest/d8_proof-of-disposal-additional-info) of first house. *\*In the case of serial re-financing, you are required to produce all Debt Redemption letters from the previous financier.* #### Additional Eligibility * Spouse must undertake loan to buy/build house * Member can either be the borrowers or not for the house purchasing * The house has been mortgaged as collateral for the housing loan * The house is fully-owned by the spouse or co-owned together with spouse * Member is required to submit evidence of a husband/wife relationship which can be Marriage Certificate / Surat Nikah or child birth certificate * Member can make withdrawal to reduce loan balance for any houses of their own or spouse's (husband/wife/wives), subjected to one withdrawal per year [###### e-Pengeluaran Strategic Partner](/corporate/panel-institutions) [###### Housing Balance Statement Format](/documents/20119/44773/Format_Penyata_Baki_Pinjaman_Perumahan.pdf/9e0b5411-e3e9-510d-99d0-bb3429a7b3c0?t=1704507713677) [###### Withdraw Via KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) [###### Apply For Manual Withdraw](/documents/d/guest/form_kwsp_9c_ahl_d8_bm) What You Should Know * If member has not made a withdrawal to buy or build a house, member may make a withdrawal for any house. * Member is not eligible to apply if: - The purpose of the loan is to renovate, repair or to carry out additional works to the existing house or for personal purposes - Loan in the form of overdraft - Loan taken from an individual - The purpose of the loan is to reduce/redeem the loan balance of third house - The purpose of the loan is to reduce/redeem the loan balance of a house bought overseas * The original housing loan balance has been fully settled * In the case of re-financing, the loan balance accounted for is based on the original housing loan payment from the first loan provider OR the latest loan balance, whichever is lower. If several loan providers are involved, the loan redemption letter will be compared against the latest balance to determine the eligible withdrawal amount. Additional Information ## Reduce Redeem Withdrawal Additional Info Accordion ### Payment Methods ![back chevron](/documents/d/guest/more-1) All withdrawal payments will be credited directly into yours or your spouse’s housing loan account when you meet the following criteria. * You/spouse has a housing loan account with a panel bank appointed by the EPF; AND * Your/spouse’s loan with the EPF panel bank is not in the non-performing loan (NPL) status * Your/spouse’s loan account is still active * Your/spouse’s identification number as a borrower matches with the bank’s record * Payment is made in Ringgit Malaysia (RM) --- ### 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 Brochure](/documents/d/guest/pengeluaran_mengurang_penyelesaikan_baki_pinjaman_perumahan_11012017) --- Frequently Asked Questions ## 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/20119/44167/Article+10+-+Career+Advancement.png/0e64e7fc-7086-1a31-f2e9-6fa1c5e5f820?t=1702010645891) EDUCATION The Impact of Education on Career Advancement](https://www.kwsp.gov.my/en/w/article/career-advancement) [![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/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/20119/44467/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) 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)