{"id":70019,"date":"2025-11-26T12:11:15","date_gmt":"2025-11-26T04:11:15","guid":{"rendered":"https:\/\/www.iqiglobal.com\/blog\/?p=68391"},"modified":"2026-01-09T15:54:36","modified_gmt":"2026-01-09T07:54:36","slug":"withdraw-epf-account-2-buy-house","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/withdraw-epf-account-2-buy-house\/","title":{"rendered":"EPF Account 2: How to Withdraw for Home Ownership"},"content":{"rendered":"\n

Version: BM<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n

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TLDR: <\/strong>You can definitely withdraw from your EPF Account 2 to buy or build a home. But you must meet specific criteria. <\/p>\n\n\n\n
For many Malaysians, buying a home remains one of life’s biggest financial hurdles<\/mark><\/a><\/strong>, especially in this generation.  <\/p>\n\n\n\n
But did you know that your EPF savings<\/mark><\/a><\/strong> can help ease that burden<\/strong>? Through EPF’s housing withdrawal scheme, you can use Account 2 <\/strong>to pay for a home purchase or even help with financing costs. <\/p>\n\n\n\n
This scheme can reduce upfront expenses<\/strong> like down-payments and stamp duties or even assist with monthly instalments. <\/p>\n\n\n\n
Curious how it works and what risks to consider? Let’s break it down. <\/p>\n\n\n
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$\"\"$ <\/figure>\n<\/div>\n\n\n
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Key Takeaways<\/strong>: <\/p>\n\n\n\n
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EPF Account 2 can be used to purchase or build a residential<\/strong> home individually or jointly.  <\/li>\n<\/ul>\n\n\n\n
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As of 2025, the Flexible Housing Withdrawal<\/strong> allows you to use current and future EPF contributions to boost loan eligibility. <\/li>\n<\/ul>\n\n\n\n
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Withdrawals are only allowed for residential properties in Malaysia<\/strong>. <\/li>\n<\/ul>\n\n\n\n
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Minimum Account 2 balance required: RM500<\/strong>. <\/li>\n<\/ul>\n\n\n\n
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You can only withdraw for a second home if the first is sold\/disposed<\/strong> of unless you lost the property in a natural disaster and have verification. <\/li>\n<\/ul>\n\n\n\n
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Guide to Using EPF Account 2 for Housing:<\/h2>
What You Need to Know About EPF Account 1, 2 & 3<\/a><\/li>
“Can I Use My EPF to Pay for a Home Loan?”<\/a><\/li>
What Has Changed Since 2023? <\/a><\/li>
Step-by-Step: How To Withdrawal from Account 2 (2025 Version)<\/a><\/li>
In Conclusion <\/a><\/li><\/ul><\/div>\n\n\n\n
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What You Need to Know About EPF Account 1, 2 & 3<\/strong><\/h2>\n\n\n\n
Since the pandemic, EPF has introduced a three-account structure<\/strong>: Account 1, Account 2 and Account 3. <\/p>\n\n\n\n
Account 1<\/strong> <\/p>\n\n\n\n
This is your retirement nest egg. 70% <\/strong>of your monthly EPF contribution goes here. It cannot be touched <\/strong>until retirement. <\/p>\n\n\n\n
Account 2<\/strong> <\/p>\n\n\n\n
This is where withdrawals for housing happen. 30%<\/strong> of your monthly contribution goes into Account 2, and this account allows early withdrawals for specific purposes: home financing<\/strong>, education<\/strong>, medical needs and Hajj<\/strong>. <\/p>\n\n\n\n
You may also make joint withdrawals<\/strong> with your spouse or immediate family. <\/p>\n\n\n\n
Account 3 (Akaun Fleksibel)<\/strong> <\/p>\n\n\n\n
Introduced in 2024, Account 3 receives 10%<\/strong> of your monthly contribution and allows anytime withdrawals for short-term or emergency needs<\/strong>. <\/p>\n\n\n\n
This account does not affect <\/strong>your housing withdrawal eligibility. <\/p>\n\n\n\n
“Can I Use My EPF to Pay for a Home Loan?”<\/strong><\/h2>\n\n\n\n
Yes!<\/strong> You can withdraw from Account 2 to: <\/p>\n\n\n\n
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Reduce or redeem<\/strong> your existing housing loan <\/li>\n<\/ul>\n\n\n\n
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Assist your spouse<\/strong> with their loan <\/li>\n<\/ul>\n\n\n\n
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Pay for medical expenses <\/strong><\/li>\n<\/ul>\n\n\n\n
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Finance your own or your children’s education<\/strong> <\/li>\n<\/ul>\n\n\n\n
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(For Muslims) Support your Hajj alongside Tabung Haji <\/strong>savings <\/li>\n<\/ul>\n\n\n
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$\"\"$ <\/figure>\n<\/div>\n\n\n
What Has Changed Since 2023?<\/strong> <\/h2>\n\n\n\n
As of 2024 and above, EPF’s housing rules have become more practical and flexible<\/strong>. <\/p>\n\n\n\n
The biggest improvement is the expanded Flexible Housing Withdrawal<\/strong>, which now let’s your current and future EPF contributions strengthen your loan eligibility.  <\/p>\n\n\n\n
This helps homebuyers cope with rising property prices. In addition, EPF also formalised assistance for disaster-related home losses<\/strong>.  <\/p>\n\n\n\n
If your property was destroyed by floods or other disasters,<\/strong> you may apply for another Account 2 withdrawal — provided the loss is verified<\/strong>. <\/p>\n\n\n\n
On top of that, applications are now faster and mostly digital<\/strong> through i-Akaun. <\/p>\n\n\n\n
Quick Summary:<\/strong> <\/p>\n\n\n\n
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Flexible Housing Withdrawal strengthened <\/li>\n<\/ul>\n\n\n\n
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Disaster-relief withdrawal allowed <\/li>\n<\/ul>\n\n\n\n
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Faster, digitalised applications <\/li>\n<\/ul>\n\n\n\n
Feature \/ Rule<\/strong> <\/td> 2023<\/strong> <\/td> 2025<\/strong> <\/td><\/tr>
Flexible Housing Withdrawal <\/td> Early stage, limited use <\/td> Fully implemented; boosts loan eligibility using current + future contributions <\/td><\/tr>
Disaster Relief Withdrawal <\/td> No clear provision <\/td> Allowed with authority verification; second withdrawal permitted if home is destroyed <\/td><\/tr>
Eligible Properties <\/td> Residential homes only <\/td> Same, but enforcement stricter; third property only if first\/second is legally disposed <\/td><\/tr>
Application Method <\/td> Counter + partial online <\/td> Mostly online via i-Akaun; automated checks <\/td><\/tr>
Minimum Account 2 Balance <\/td> RM500 <\/td> RM500 (unchanged) <\/td><\/tr>
Joint Purchases <\/td> Allowed <\/td> Allowed, with improved digital verification <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Step-by-Step: How To Withdrawal from Account 2 (2025 Version)<\/strong> <\/h2>\n\n\n\n
Step 1: Confirm Eligibility<\/strong> <\/p>\n\n\n\n
You must be under 55<\/strong>, have at least RM500 <\/strong>in Account 2 and be purchasing a residential property. <\/p>\n\n\n\n
If you’re buying for a second home<\/strong>, ensure the first is sold or ownership is disposed. <\/p>\n\n\n
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$\"\"$ <\/figure>\n<\/div>\n\n\n
Step 2: Prepare Required Documents<\/strong> <\/p>\n\n\n\n
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SPA (not older than 3 years) <\/li>\n<\/ul>\n\n\n\n
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Loan approval letter \/ Loan agreement <\/li>\n<\/ul>\n\n\n\n
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Proof of self-financing (if no bank loan) <\/li>\n<\/ul>\n\n\n\n
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Marriage\/birth certificates for joint withdrawals <\/li>\n<\/ul>\n\n\n
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$\"\"$ <\/figure>\n<\/div>\n\n\n
Step 3: Log In to i-Akaun<\/strong> <\/p>\n\n\n\n
Go to Withdrawal <\/em>→ Housing <\/em>→ Choose your preferences.<\/em> <\/p>\n\n\n\n
Upload the necessary documents and fill in the property details. <\/p>\n\n\n\n
Step 4: Verify Your Identity<\/strong> <\/p>\n\n\n\n
If required, head to an EPF branch for biometric thumbprint verification. Bring your MyKad. <\/p>\n\n\n
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$\"\"$ <\/figure>\n<\/div>\n\n\n
Step 5: Submit Your Application<\/strong> <\/p>\n\n\n\n
Review everything and submit. EPF will notify you if any documents need updating. <\/p>\n\n\n\n
Step 6: Track Your Application<\/strong> <\/p>\n\n\n\n
Monitor your status through i-Akaun or the EPF app. <\/p>\n\n\n\n
Step 7: Payment Released<\/strong> <\/p>\n\n\n\n
If approved, EPF pays directly to the bank, developer or relevant party. <\/p>\n\n\n\n
In Conclusion<\/strong> <\/h2>\n\n\n\n
Using EPF Account 2 for a house purchase remains one of the most effective ways for Malaysians<\/strong> especially first-time buyers to bridge financing gaps. <\/p>\n\n\n\n
The 2025 updates, particularly the Flexible Housing Withdrawal<\/strong> and disaster-relief provisions, make the scheme even more relevant today. <\/p>\n\n\n\n
Still, it’s important to remember that withdrawing from EPF reduces your long-term dividends and retirement compounding so weigh your options carefully<\/strong> before deciding. <\/p>\n\n\n\n
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Need help finding a property within your budget? Get in touch with IQI agents today and secure your dream home.<\/mark><\/strong><\/p>\n\n\n\n\n\t
\n\t\t\n \n\t\t\n\t\t\n\n \n
\n Full Name:<\/label>
\n \n <\/div>\n\n\t\t
\n Location:<\/label>
\n \n\t\t\t<\/div>\n\n\t\t\t
\n\t\t\t\tPhone Number:<\/label>
\n\t\t\t\t
\n\t\t\t\t\t+60<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t
\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t
\n\t\t\t
\n\t\t\t\tI want to (Investor)<\/label>
\n\t\t\t\t Invest<\/label>
\n\t\t\t\t Buy<\/label>
\n\t\t\t\t Sell<\/label>
\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t
\n\t\t\t I give my consent to share my information to submit this form. For more details on our data practices, please refer to our Privacy Policy.<\/a><\/label>
\n\t\t\t\n\t\t\t I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label>
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Feature \/ Rule<\/strong> <\/td>	2023<\/strong> <\/td>	2025<\/strong> <\/td><\/tr>
Flexible Housing Withdrawal <\/td>	Early stage, limited use <\/td>	Fully implemented; boosts loan eligibility using current + future contributions <\/td><\/tr>
Disaster Relief Withdrawal <\/td>	No clear provision <\/td>	Allowed with authority verification; second withdrawal permitted if home is destroyed <\/td><\/tr>
Eligible Properties <\/td>	Residential homes only <\/td>	Same, but enforcement stricter; third property only if first\/second is legally disposed <\/td><\/tr>
Application Method <\/td>	Counter + partial online <\/td>	Mostly online via i-Akaun; automated checks <\/td><\/tr>
Minimum Account 2 Balance <\/td>	RM500 <\/td>	RM500 (unchanged) <\/td><\/tr>
Joint Purchases <\/td>	Allowed <\/td>	Allowed, with improved digital verification <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Step-by-Step: How To Withdrawal from Account 2 (2025 Version)<\/strong> <\/h2>\n\n\n\n Step 1: Confirm Eligibility<\/strong> <\/p>\n\n\n\n You must be under 55<\/strong>, have at least RM500 <\/strong>in Account 2 and be purchasing a residential property. <\/p>\n\n\n\n If you’re buying for a second home<\/strong>, ensure the first is sold or ownership is disposed. <\/p>\n\n\n \n $\"\"$ <\/figure>\n<\/div>\n\n\n Step 2: Prepare Required Documents<\/strong> <\/p>\n\n\n\n \n SPA (not older than 3 years) <\/li>\n<\/ul>\n\n\n\n \n Loan approval letter \/ Loan agreement <\/li>\n<\/ul>\n\n\n\n \n Proof of self-financing (if no bank loan) <\/li>\n<\/ul>\n\n\n\n \n Marriage\/birth certificates for joint withdrawals <\/li>\n<\/ul>\n\n\n \n $\"\"$ <\/figure>\n<\/div>\n\n\n Step 3: Log In to i-Akaun<\/strong> <\/p>\n\n\n\n Go to Withdrawal <\/em>→ Housing <\/em>→ Choose your preferences.<\/em> <\/p>\n\n\n\n *Upload the necessary documents and fill in the property details. <\/p>\n\n\n\n* Step 4: Verify Your Identity<\/strong> <\/p>\n\n\n\n If required, head to an EPF branch for biometric thumbprint verification. Bring your MyKad. <\/p>\n\n\n \n $\"\"$ <\/figure>\n<\/div>\n\n\n Step 5: Submit Your Application<\/strong> <\/p>\n\n\n\n Review everything and submit. EPF will notify you if any documents need updating. <\/p>\n\n\n\n Step 6: Track Your Application<\/strong> <\/p>\n\n\n\n Monitor your status through i-Akaun or the EPF app. <\/p>\n\n\n\n Step 7: Payment Released<\/strong> <\/p>\n\n\n\n If approved, EPF pays directly to the bank, developer or relevant party. <\/p>\n\n\n\n In Conclusion<\/strong> <\/h2>\n\n\n\n Using EPF Account 2 for a house purchase remains one of the most effective ways for Malaysians<\/strong> especially first-time buyers to bridge financing gaps. <\/p>\n\n\n\n The 2025 updates, particularly the Flexible Housing Withdrawal<\/strong> and disaster-relief provisions, make the scheme even more relevant today. <\/p>\n\n\n\n Still, it’s important to remember that withdrawing from EPF reduces your long-term dividends and retirement compounding so weigh your options carefully<\/strong> before deciding. <\/p>\n\n\n\n \n\n\n\n Need help finding a property within your budget? Get in touch with IQI agents today and secure your dream home.<\/mark><\/strong><\/p>\n\n\n\n\n\t \n\t\t\n \n\t\t\n\t\t\n\n \n \n Full Name:<\/label> \n \n <\/div>\n\n\t\t \n Location:<\/label> \n \n\t\t\t<\/div>\n\n\t\t\t \n\t\t\t\tPhone Number:<\/label> \n\t\t\t\t \n\t\t\t\t\t+60<\/span>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t \n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t \n\t\t\t \n\t\t\t\tI want to (Investor)<\/label> \n\t\t\t\t Invest<\/label> \n\t\t\t\t Buy<\/label> \n\t\t\t\t Sell<\/label> \n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t \n\t\t\t I give my consent to share my information to submit this form. For more details on our data practices, please refer to our Privacy Policy.<\/a><\/label> \n\t\t\t\n\t\t\t I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label> \n\t\t<\/div>\n\n\t\t\n\n\n \n