EPF Monthly Housing Loan Instalment Withdrawal

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Everyone has commitments or obligations to pay monthly housing loan instalments.
Various expenses need to be paid including car and house payments, children''s daily expenses, food, clothing and many more.
All these costs are increasing day by day.
Therefore, EPF has introduced the Monthly Housing Loan Instalment Withdrawal to reduce this burden.
Applicants can make withdrawals from Account 2 to help pay monthly instalments for a minimum of six months or until your financial difficulties are resolved.

Citizens and Non-Citizens

Below 55 years of age

A minimum of RM600 in Account 2

Purchasing/building a residential property*

Still has outstanding housing loan balance with a lender recognised by EPF**

Monthly instalments have commenced
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This scheme allows EPF members to withdraw funds from Account 2 to automatically pay monthly housing loan instalments, reducing the monthly financial burden.
EPF members who have an active housing loan and sufficient balance in Account 2 are eligible to apply. The instalment period must not exceed the age of 55 years.
Yes, housing loans in arrears with NPL status are allowed to apply for this withdrawal, provided that payments will be made directly to the housing loan account.
Key advantages include reducing monthly cash flow burden, the segregated funds still earning EPF dividends, and enabling you to utilise your income for other investments.
With wise financial management including optimising EPF withdrawals, you can allocate surplus funds for stock investments that have the potential to deliver higher returns.
Open a CDS account today to start investing in stocks on Bursa Malaysia and build your long-term investment portfolio.
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