{"id":84444,"date":"2024-05-08T16:00:04","date_gmt":"2024-05-08T08:00:04","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=84444"},"modified":"2024-05-08T16:00:05","modified_gmt":"2024-05-08T08:00:05","slug":"things-must-know-about-epf-account-3","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/","title":{"rendered":"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f"},"content":{"rendered":"\n

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

\n\n\n\n
我们都知道，公积金（EPF）<\/strong>一直以来都是用来存钱养老<\/strong>，没有必要的话，一般上我们都不会动用里面的“养老金”。<\/p>\n\n\n\n
不过，最近公积金局（KWSP）正式宣布，将于5月11日自动开启第三户口（Account 3\/ Flexible Account）<\/strong>，让会员无条件提款，以作为应急用途<\/strong>。<\/p>\n\n\n\n
公积金局这项新宣部，引起了许多民众的疑惑，甚至还有人关心，这个新户口会不会影响以后的退休金？<\/strong><\/p>\n\n\n\n
因此，以下就为你整理了EPF3懒人包，一文带你全面了解公积金第三户口的详情！<\/p>\n\n\n\n
阅读内容：<\/mark><\/h2>1. 什么是EPF第三户口（EPF3）？<\/a><\/li>
2. EPF 3个户口存款新分配额<\/a><\/li>
3. 我可以从EPF第二户口转账吗？<\/a><\/li>
4. 我可以不将现有EPF存款转账至第三户口吗？<\/a><\/li>
5. 55岁以上的会员是否受影响？<\/a><\/li>
6. EPF3的派息率是不是比较低？<\/a><\/li>
7. 我应不应该提领EPF3的存款呢？<\/a><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
1. 什么是EPF第三户口（EPF3）？<\/strong><\/h2>\n\n\n\n
一直以来，公积金局会员一共有2个户口，分别是第一户口和第二户口。<\/p>\n\n\n\n
当会员每个月领取薪水时，其中11%的收入<\/strong>将分别汇入第一户口（70%）和第二户口（30%）。<\/p>\n\n\n
\n
$\"公积金重组前的户口分配额\"$
照片取自公积金局脸书专页<\/mark><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n
一般上，公积金局会员只允许领取一部分第二户口的存款<\/strong>，用来买房、缴付学费和医药费。<\/p>\n\n\n\n
不过，公积金局<\/mark><\/a>早在去年时，就已经提及将会进行户口重组，并会新增EPF第三户口（EPF3），以让会员无条件提款作为应急<\/strong>。<\/p>\n\n\n\n
同时，这全新的第三户口将会自动开启<\/strong>，并从零开始收集新缴存的公积金，也将获得10%的分配额<\/strong>。<\/p>\n\n\n
\n
$\"公积金3个户口的新分配额\"$
照片取自公积金局脸书专页<\/mark><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n
当然，会员也可以自行存入存款<\/strong>，以便之后急需用钱时，可以随时从第三户口提款，而每次最低提款额为RM50<\/strong>。<\/p>\n\n\n\n
2. EPF 3个户口存款新分配额<\/strong><\/h2>\n\n\n\n
就如上述提到，公积金第三户口将获得10%的分配额，这也表示现有的70%和30%分配额，将被重新调整。<\/p>\n\n\n\n
根据公积金的最新消息，EPF的户口将于5月11日起重组<\/strong>，各户口名字和分配额也做出了以下新的调整：<\/p>\n\n\n
\n
$\"公积金3个户口的新分配额\"$
照片截自公积金局官网<\/mark><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n
公积金3个户口之间的差别：<\/p>\n\n\n\n
EPF户口<\/th> 用途<\/th> 现有分配额<\/th> 新分配额<\/strong>
（5月11日起生效）<\/strong> <\/th><\/tr><\/thead>
第一户口（Akaun Persaraan）<\/strong><\/td> 退休金，年满55岁时才可以提款<\/td> 70%<\/td> 75%<\/td><\/tr>
第二户口（Akaun Sejahtera）<\/strong><\/td> 用于买房、缴付医药费、学费<\/td> 30%<\/td> 15%<\/td><\/tr>
第三户口（Akaun Flexibel）<\/strong><\/td> 可随时提取用作应急<\/td> –<\/td> 10%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
简单而言，从5月11日开始，公积金会员每个月缴存11%公积金时，公积金局就会把这笔钱分成3个部分，并分别存入这3个户口中。<\/p>\n\n\n\n
对此，公积金局也发布图文，向大家解释这笔11%公积金是如何分配的：<\/p>\n\n\n\n
假设你每个月存入的公积金额为RM1,840<\/strong> <\/mark><\/p>\n\n\n\n
第一户口（Akaun Persaraan）<\/strong><\/td> 第二户口（Akaun Sejahtera）<\/strong><\/td> 第三户口（Akaun Flexibel）<\/strong><\/td><\/tr>
RM1,840 x 75%
= RM1,380<\/em><\/strong><\/td> RM1,840 x 15%
= RM276<\/em><\/strong><\/td> RM1,840 x 10%
= RM184<\/em><\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
虽然公积金局为3个户口的分配额做出了调整，但你会发现，第一户口的分配额更高了<\/strong>！<\/p>\n\n\n\n
这也意味着，你的养老金存款将会比之前的更多<\/strong>！<\/p>\n\n\n\n
3. 我可以从EPF第二户口转账吗？<\/strong><\/h2>\n\n\n\n
当然是可以的！会员们可以从公积金的应用程序KWSP i-Akaun<\/strong>，或全马公积金分行申请提款<\/strong>。<\/p>\n\n\n
\n
$\"公积金$
照片取自公积金局脸书专页<\/mark><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n
不过，从第二户口转账至第三户口仅限一次机会<\/strong>，而这一次机会将在8月31日截止<\/strong>。<\/p>\n\n\n\n
根据公积金局在“常见问题”<\/mark><\/a>中的解释，公积金会员可在5月12日至8月31日期间，选择从第二户口部分存款转入第三户口，作为初始金额。<\/p>\n\n\n\n
然而，这笔金额将取决于转账当天，你的第二户口的存款是否低于或高于RM3,000。<\/p>\n\n\n\n<\/iframe>\n\n\n\n<p>根据<a href=\"https:\/\/www.facebook.com\/KWSPMalaysia\/posts\/pfbid0c4WvKmw82sBqPr5puci8JH4J38Y8yhS1MHDwFa5XRJgT5yYDndAADowhuz1zRxFml\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">公积金局<\/mark><\/a>在社交媒体上发出图文，简单而言，该局将第二户口存款余额分成<strong>以下3个情况<\/strong>：<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>第二户口的存款额<\/th><th>允许转入第三户口的存款额<\/th><\/tr><\/thead><tbody><tr><td>超过RM3,000<\/td><td>– 保留第二户口的<strong>15\/30<\/strong><br>– 第二户口的<strong>10\/30存款<\/strong>转入第三户口<br>– 第二户口的<strong>5\/10存款<\/strong>转入第一户口<\/td><\/tr><tr><td>超过RM1,000，但不超过RM3,000<\/td><td>– 只能从第二户口转移<strong>RM1,000<\/strong>至第三户口<br>– 其他余额必须保留在第二户口<\/td><\/tr><tr><td>低于RM1,000<\/td><td>所有存款可转移至第三户口<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>切记！<strong>在5月12日至8月31日期间<\/strong>，所有公积金局会员<strong>只有一次机会<\/strong>，将第二户口的存款转账至第三户口。<\/p>\n\n\n\n<p>一旦做出了选择，将无法取消，因此转账前一定要考虑清楚再决定！<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-nbsp-我可以不将现有epf存款转账至第三户口吗\"><strong>4. 我可以不将现有EPF存款转账至第三户口吗？<\/strong><\/h2>\n\n\n\n<p>当然可以！你<strong>现有的存款金额将保留<\/strong>在第一户口和第二户口中。<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"876\" height=\"555\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm.webp\" alt=\"公积金\" class=\"wp-image-84146\" style=\"width:640px\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm.webp 876w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-300x190.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-768x487.webp 768w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-370x234.webp 370w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-865x548.webp 865w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/FA_2_bm-642x407.webp 642w\" sizes=\"(max-width: 876px) 100vw, 876px\" \/><figcaption class=\"wp-element-caption\">照片截自<a href=\"https:\/\/www.kwsp.gov.my\/w\/epf-account-3-info\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">公积金局官网<\/mark><\/a><\/figcaption><\/figure>\n<\/div>\n\n\n<p>不过，要注意的是，从5月11日起，你之后每个月新缴存的公积金，<strong>其中10%的存款将自动存入<\/strong>公积金第三户口。<\/p>\n\n\n\n<p>如果不想要把这笔公积金存款存入第三户口，你则需要<strong>手动将金额转移至第一和第二户口<\/strong>中。<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-55岁以上的会员是否受影响\"><strong>5. 55岁以上的会员是否受影响？<\/strong><\/h2>\n\n\n\n<p>其实，针对<strong>55岁以上的公积金会员<\/strong>，公积金局就开设了一个名为<strong>55户口（Akaun 55）和乐龄户口（Akaun Emas）<\/strong>。<\/p>\n\n\n\n<p>对于这类别的会员群体，公积金局将会沿用原来的措施，即<strong>把3个户口的存款合并存入<\/strong>55户口或乐龄户口中。<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>55户口（Akaun 55）<\/th><th>乐龄户口（Akaun Emas）<\/th><\/tr><\/thead><tbody><tr><td>– 55岁以上没有工作，EPF户口中还有存款<br>– EPF存款将存入这个户口，会员可随时提取部分或全部存款<\/td><td>– 55岁以上继续工作，并存入EPF<br>– EPF存款将存入这个户口，会员年满60岁才能提取<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-epf3的派息率是不是比较低\"><strong>6. EPF3的派息率是不是比较低？<\/strong><\/h2>\n\n\n\n<p>早前就有消息透露，公积金第三户口的利息将会比第一户口和第二户口的低，许多人也因此不想把存款存入第三户口。<\/p>\n\n\n\n<p>但根据公积金局在5月初发布的“常见问题”中，表明了<strong>3个户口的利息是一样<\/strong>的。<\/p>\n\n\n\n<p>这也意味着，2023年的5.5%派息率，不会因为新增了第三户口而变少；反之，你的<strong>公积金存款总额<\/strong>（3个户口加起来的总数），将<strong>享有5.5%的利息<\/strong>。<\/p>\n\n\n\n<blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\"><a href=\"https:\/\/twitter.com\/ongmalimali?ref_src=twsrc%5Etfw\">@ongmalimali<\/a>.<br><br>Rest assured that the dividend for Account 3 (Flexible Account) will be the same as Account 1 (Retirement Account) and Account 2 (Wellbeing Account).<br><br>TQ.<br>-ZHS-<\/p>— KWSPMalaysia (@KWSPMalaysia) <a href=\"https:\/\/twitter.com\/KWSPMalaysia\/status\/1783392970118480290?ref_src=twsrc%5Etfw\">April 25, 2024<\/a><\/blockquote> <script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-我应不应该提领epf3的存款呢\"><strong>7. 我应不应该提领EPF3的存款呢？<\/strong><\/h2>\n\n\n\n<p>这个问题就取决于你自身的需求了… 但是，若你决定提款，那你可能会<strong>面临以下2个的问题<\/strong>：<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-i-退休金变少\"><strong>i. 退休金变少<\/strong><\/h3>\n\n\n\n<p>没错！只要你提款了，退休金肯定会减少，<strong>退休后的存款自然也会减少<\/strong>。<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-3.webp\" alt=\"公积金\" class=\"wp-image-84505\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-3.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-3-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-3-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>虽然说新增第三户口后，第一户口获得了额外5%的分配额，但你要知道，<strong>第二户口<\/strong>的分配额也从<strong>原本的30%减少至15%<\/strong>。<\/p>\n\n\n\n<p>若你再从第三户口随意提款，从长远来看，你从<strong>公积金获得的红利也会降低<\/strong>。<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ii-第二户口的存款进一步减少\"><strong>ii. 第二户口的存款进一步减少<\/strong><\/h3>\n\n\n\n<p>就如刚刚所提到的，EPF第二户口的分配额降低了，这也表示之后该户口的<strong>存款正在减少<\/strong>。<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-2-1.webp\" alt=\"公积金\" class=\"wp-image-84509\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-2-1.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-2-1-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-2-1-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>而且，公积金第二户口的存款是<strong>用于买房、缴付教育费和医药费<\/strong>，如果你打算提领这笔钱来买房，<strong>该户口的存款就会再减少<\/strong>。<\/p>\n\n\n\n<p>若这时你<strong>再提取第三户口的存款<\/strong>，也就是说你的<strong>存款会变得更少<\/strong>（除非你之后自行把钱存回来）。<\/p>\n\n\n\n<p>无论如何，这还是要取决于你自己！不过，公积金局呼吁会员们<strong>不要随意提款<\/strong>，毕竟被视为<strong>退休金<\/strong>的EPF，对会员<strong>未来退休的日子是非常重要<\/strong>的。<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-1-1.webp\" alt=\"公积金\" class=\"wp-image-84506\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-1-1.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-1-1-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/05\/Rectangle-Content-Image-1-1-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>除了公积金，你正在寻找更多<a href=\"https:\/\/iqiglobal.com\/blog\/cn\/digital-cash-management-platforms\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">投资<\/mark><\/a>机会，让你的退休日子更轻松，那么<a href=\"https:\/\/iqiglobal.com\/blog\/cn\/ways-to-earn-from-property\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">房地产投资<\/mark><\/a>或许是不错的选择！<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">不知道如何下手投资？不如寻求IQI房地产中介的帮助，他们能给予你专业且全面的投资建议，帮你顺利找到合适你的房地产！<\/mark><\/strong><\/p>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"85ebae59-f425-419b-a59d-3531ad1df948\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1776652637000-1029838707\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1776652637000-1029838707\"><\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>延伸阅读：<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/use-epf-money-to-buy-house\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">如何善用RM10,000公积金存款？4步教你如何用EPF买房！<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/apply-for-epf-withdrawal\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">【马来西亚公积金EPF】16种情况可以动用EPF存款<\/mark><\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/5-types-of-investment-popular-in-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">投资什么最赚钱? 推荐马来西亚5种热门投资类型<\/mark><\/a><\/strong><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Version: EN, BM 我们都知道，公积金（EPF）一直以来都是用来存钱养老，没有必要的话，一般上我们都不会动用里面的“养老金”。 不过，最近公积金局（KWSP）正式宣布，将于5月11日自动开启第三户口（Account 3\/ Flexible Account），让会员无条件提款，以作为应急用途。 公积金局这项新宣部，引起了许多民众的疑惑，甚至还有人关心，这个新户口会不会影响以后的退休金？ 因此，以下就为你整理了EPF3懒人包，一文带你全面了解公积金第三户口的详情！ 1. 什么是EPF第三户口（EPF3）？ 一直以来，公积金局会员一共有2个户口，分别是第一户口和第二户口。 当会员每个月领取薪水时，其中11%的收入将分别汇入第一户口（70%）和第二户口（30%）。 一般上，公积金局会员只允许领取一部分第二户口的存款，用来买房、缴付学费和医药费。 不过，公积金局早在去年时，就已经提及将会进行户口重组，并会新增EPF第三户口（EPF3），以让会员无条件提款作为应急。 同时，这全新的第三户口将会自动开启，并从零开始收集新缴存的公积金，也将获得10%的分配额。 当然，会员也可以自行存入存款，以便之后急需用钱时，可以随时从第三户口提款，而每次最低提款额为RM50。 2. EPF 3个户口存款新分配额 就如上述提到，公积金第三户口将获得10%的分配额，这也表示现有的70%和30%分配额，将被重新调整。 根据公积金的最新消息，EPF的户口将于5月11日起重组，各户口名字和分配额也做出了以下新的调整： 公积金3个户口之间的差别： EPF户口 用途 现有分配额 新分配额（5月11日起生效）  第一户口（Akaun Persaraan） 退休金，年满55岁时才可以提款 70% 75% 第二户口（Akaun Sejahtera） 用于买房、缴付医药费、学费 30% 15% 第三户口（Akaun Flexibel） 可随时提取用作应急 – 10% 简单而言，从5月11日开始，公积金会员每个月缴存11%公积金时，公积金局就会把这笔钱分成3个部分，并分别存入这3个户口中。 对此，公积金局也发布图文，向大家解释这笔11%公积金是如何分配的： 假设你每个月存入的公积金额为RM1,840  第一户口（Akaun Persaraan） 第二户口（Akaun Sejahtera） 第三户口（Akaun Flexibel） RM1,840 x 75%=…<\/p>\n","protected":false},"author":24,"featured_media":84513,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[261],"tags":[10433,10427,10430,5162],"class_list":["post-84444","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-261","tag-epf3","tag-10427","tag-10430","tag--cn"],"yoast_head":"\n<title>\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01<\/title>\n<meta name=\"description\" content=\"\u6839\u636e \u516c\u79ef\u91d1\u5c40 EPF\u6700\u65b0\u6d88\u606f \uff0c\u8be5\u5c40\u5373\u5c06\u57285\u670811\u65e5\u8d77\u8fdb\u884c\u91cd\u7ec4\uff0c\u5e76\u4e3a\u4f1a\u5458\u81ea\u52a8\u5f00\u542f \u516c\u79ef\u91d1\u7b2c\u4e09\u6237\u53e3 \uff08EPF Account 3\uff09\uff0c\u8ba9\u4f1a\u5458\u80fd\u968f\u65f6\u63d0\u6b3e\uff0c\u4ee5\u4f5c\u4e3a\u5e94\u6025\u7528\u9014\u3002\u540c\u65f6\uff0c\u4ece5\u670812\u65e5\u81f38\u670831\u65e5\u671f\u95f4\uff0c\u4f1a\u5458\u53ef\u4ee5\u6709\u4e00\u6b21\u673a\u4f1a\uff0c\u5c06\u516c\u79ef\u91d1\u7b2c\u4e8c\u6237\u53e3\u7684\u90e8\u5206\u5b58\u6b3e\u8f6c\u8d26\u81f3 \u7b2c\u4e09\u6237\u53e3 \uff0c\u4ee5\u4f5c\u4e3a\u521d\u59cb\u91d1\u989d\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u6839\u636e \u516c\u79ef\u91d1\u5c40 EPF\u6700\u65b0\u6d88\u606f \uff0c\u8be5\u5c40\u5373\u5c06\u57285\u670811\u65e5\u8d77\u8fdb\u884c\u91cd\u7ec4\uff0c\u5e76\u4e3a\u4f1a\u5458\u81ea\u52a8\u5f00\u542f \u516c\u79ef\u91d1\u7b2c\u4e09\u6237\u53e3 \uff08EPF Account 3\uff09\uff0c\u8ba9\u4f1a\u5458\u80fd\u968f\u65f6\u63d0\u6b3e\uff0c\u4ee5\u4f5c\u4e3a\u5e94\u6025\u7528\u9014\u3002\u540c\u65f6\uff0c\u4ece5\u670812\u65e5\u81f38\u670831\u65e5\u671f\u95f4\uff0c\u4f1a\u5458\u53ef\u4ee5\u6709\u4e00\u6b21\u673a\u4f1a\uff0c\u5c06\u516c\u79ef\u91d1\u7b2c\u4e8c\u6237\u53e3\u7684\u90e8\u5206\u5b58\u6b3e\u8f6c\u8d26\u81f3 \u7b2c\u4e09\u6237\u53e3 \uff0c\u4ee5\u4f5c\u4e3a\u521d\u59cb\u91d1\u989d\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/wen0401wei\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-08T08:00:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-08T08:00:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/CN-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Wen Wei\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wen Wei\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\"},\"author\":{\"name\":\"Wen Wei\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/8f8430340d7860823b08ab2662360208\"},\"headline\":\"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f\",\"datePublished\":\"2024-05-08T08:00:04+00:00\",\"dateModified\":\"2024-05-08T08:00:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\"},\"wordCount\":130,\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp\",\"keywords\":[\"EPF3\",\"\u516c\u79ef\u91d1\",\"\u7b2c\u4e09\u6237\u53e3\",\"\u9a6c\u6765\u897f\u4e9a\"],\"articleSection\":[\"\u6700\u65b0\u8d44\u8baf\"],\"inLanguage\":\"en-US\",\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\",\"url\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\",\"name\":\"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp\",\"datePublished\":\"2024-05-08T08:00:04+00:00\",\"dateModified\":\"2024-05-08T08:00:05+00:00\",\"description\":\"\u6839\u636e \u516c\u79ef\u91d1\u5c40 EPF\u6700\u65b0\u6d88\u606f \uff0c\u8be5\u5c40\u5373\u5c06\u57285\u670811\u65e5\u8d77\u8fdb\u884c\u91cd\u7ec4\uff0c\u5e76\u4e3a\u4f1a\u5458\u81ea\u52a8\u5f00\u542f \u516c\u79ef\u91d1\u7b2c\u4e09\u6237\u53e3 \uff08EPF Account 3\uff09\uff0c\u8ba9\u4f1a\u5458\u80fd\u968f\u65f6\u63d0\u6b3e\uff0c\u4ee5\u4f5c\u4e3a\u5e94\u6025\u7528\u9014\u3002\u540c\u65f6\uff0c\u4ece5\u670812\u65e5\u81f38\u670831\u65e5\u671f\u95f4\uff0c\u4f1a\u5458\u53ef\u4ee5\u6709\u4e00\u6b21\u673a\u4f1a\uff0c\u5c06\u516c\u79ef\u91d1\u7b2c\u4e8c\u6237\u53e3\u7684\u90e8\u5206\u5b58\u6b3e\u8f6c\u8d26\u81f3 \u7b2c\u4e09\u6237\u53e3 \uff0c\u4ee5\u4f5c\u4e3a\u521d\u59cb\u91d1\u989d\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp\",\"width\":1080,\"height\":480,\"caption\":\"\u516c\u79ef\u91d1\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/iqiglobal.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"name\":\"IQI Blog\",\"description\":\"Your Source for Property Investment, Tips, and Career\",\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\",\"name\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"width\":480,\"height\":180,\"caption\":\"IQI Global\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IqiGlobal\",\"https:\/\/x.com\/IQIGlobal\",\"https:\/\/www.instagram.com\/iqiglobal\/\",\"https:\/\/tiktok.com\/@iqiglobal?lang=en\",\"https:\/\/www.linkedin.com\/company\/iqi-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/8f8430340d7860823b08ab2662360208\",\"name\":\"Wen Wei\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b664ef46b2c3cf8978f6ac038e7f96f06ba9b330892563dffd258588aee73ff?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b664ef46b2c3cf8978f6ac038e7f96f06ba9b330892563dffd258588aee73ff?s=96&d=mm&r=g\",\"caption\":\"Wen Wei\"},\"description\":\"Work hard, write hard, play harder! A content team leader in IQI Global, with 7 years of writing experience and 4 years of writing real estate content and marketing experience in IQI Global. Reach me by social media below!\",\"sameAs\":[\"https:\/\/www.facebook.com\/wen0401wei\/\",\"https:\/\/www.instagram.com\/wenwei0401\/\",\"https:\/\/www.linkedin.com\/in\/wen-wei-351041233\/\"],\"knowsLanguage\":[\"English\",\"Mandarin\",\"Cantonese\",\"Basic Korean\"],\"jobTitle\":\"Content Marketing Team Lead\",\"worksFor\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/author\/wen-wei\/\"}]}<\/script>\n","yoast_head_json":{"title":"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01","description":"\u6839\u636e \u516c\u79ef\u91d1\u5c40 EPF\u6700\u65b0\u6d88\u606f \uff0c\u8be5\u5c40\u5373\u5c06\u57285\u670811\u65e5\u8d77\u8fdb\u884c\u91cd\u7ec4\uff0c\u5e76\u4e3a\u4f1a\u5458\u81ea\u52a8\u5f00\u542f \u516c\u79ef\u91d1\u7b2c\u4e09\u6237\u53e3 \uff08EPF Account 3\uff09\uff0c\u8ba9\u4f1a\u5458\u80fd\u968f\u65f6\u63d0\u6b3e\uff0c\u4ee5\u4f5c\u4e3a\u5e94\u6025\u7528\u9014\u3002\u540c\u65f6\uff0c\u4ece5\u670812\u65e5\u81f38\u670831\u65e5\u671f\u95f4\uff0c\u4f1a\u5458\u53ef\u4ee5\u6709\u4e00\u6b21\u673a\u4f1a\uff0c\u5c06\u516c\u79ef\u91d1\u7b2c\u4e8c\u6237\u53e3\u7684\u90e8\u5206\u5b58\u6b3e\u8f6c\u8d26\u81f3 \u7b2c\u4e09\u6237\u53e3 \uff0c\u4ee5\u4f5c\u4e3a\u521d\u59cb\u91d1\u989d\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/","og_locale":"en_US","og_type":"article","og_title":"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f","og_description":"\u6839\u636e \u516c\u79ef\u91d1\u5c40 EPF\u6700\u65b0\u6d88\u606f \uff0c\u8be5\u5c40\u5373\u5c06\u57285\u670811\u65e5\u8d77\u8fdb\u884c\u91cd\u7ec4\uff0c\u5e76\u4e3a\u4f1a\u5458\u81ea\u52a8\u5f00\u542f \u516c\u79ef\u91d1\u7b2c\u4e09\u6237\u53e3 \uff08EPF Account 3\uff09\uff0c\u8ba9\u4f1a\u5458\u80fd\u968f\u65f6\u63d0\u6b3e\uff0c\u4ee5\u4f5c\u4e3a\u5e94\u6025\u7528\u9014\u3002\u540c\u65f6\uff0c\u4ece5\u670812\u65e5\u81f38\u670831\u65e5\u671f\u95f4\uff0c\u4f1a\u5458\u53ef\u4ee5\u6709\u4e00\u6b21\u673a\u4f1a\uff0c\u5c06\u516c\u79ef\u91d1\u7b2c\u4e8c\u6237\u53e3\u7684\u90e8\u5206\u5b58\u6b3e\u8f6c\u8d26\u81f3 \u7b2c\u4e09\u6237\u53e3 \uff0c\u4ee5\u4f5c\u4e3a\u521d\u59cb\u91d1\u989d\u3002","og_url":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_author":"https:\/\/www.facebook.com\/wen0401wei\/","article_published_time":"2024-05-08T08:00:04+00:00","article_modified_time":"2024-05-08T08:00:05+00:00","og_image":[{"width":1080,"height":480,"url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/CN-2.png","type":"image\/png"}],"author":"Wen Wei","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Wen Wei","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/"},"author":{"name":"Wen Wei","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/8f8430340d7860823b08ab2662360208"},"headline":"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f","datePublished":"2024-05-08T08:00:04+00:00","dateModified":"2024-05-08T08:00:05+00:00","mainEntityOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/"},"wordCount":130,"publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp","keywords":["EPF3","\u516c\u79ef\u91d1","\u7b2c\u4e09\u6237\u53e3","\u9a6c\u6765\u897f\u4e9a"],"articleSection":["\u6700\u65b0\u8d44\u8baf"],"inLanguage":"en-US","accessibilityFeature":["tableOfContents"]},{"@type":"WebPage","@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/","url":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/","name":"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp","datePublished":"2024-05-08T08:00:04+00:00","dateModified":"2024-05-08T08:00:05+00:00","description":"\u6839\u636e \u516c\u79ef\u91d1\u5c40 EPF\u6700\u65b0\u6d88\u606f \uff0c\u8be5\u5c40\u5373\u5c06\u57285\u670811\u65e5\u8d77\u8fdb\u884c\u91cd\u7ec4\uff0c\u5e76\u4e3a\u4f1a\u5458\u81ea\u52a8\u5f00\u542f \u516c\u79ef\u91d1\u7b2c\u4e09\u6237\u53e3 \uff08EPF Account 3\uff09\uff0c\u8ba9\u4f1a\u5458\u80fd\u968f\u65f6\u63d0\u6b3e\uff0c\u4ee5\u4f5c\u4e3a\u5e94\u6025\u7528\u9014\u3002\u540c\u65f6\uff0c\u4ece5\u670812\u65e5\u81f38\u670831\u65e5\u671f\u95f4\uff0c\u4f1a\u5458\u53ef\u4ee5\u6709\u4e00\u6b21\u673a\u4f1a\uff0c\u5c06\u516c\u79ef\u91d1\u7b2c\u4e8c\u6237\u53e3\u7684\u90e8\u5206\u5b58\u6b3e\u8f6c\u8d26\u81f3 \u7b2c\u4e09\u6237\u53e3 \uff0c\u4ee5\u4f5c\u4e3a\u521d\u59cb\u91d1\u989d\u3002","breadcrumb":{"@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#primaryimage","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp","width":1080,"height":480,"caption":"\u516c\u79ef\u91d1"},{"@type":"BreadcrumbList","@id":"https:\/\/iqiglobal.com\/blog\/cn\/things-must-know-about-epf-account-3\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iqiglobal.com\/blog\/"},{"@type":"ListItem","position":2,"name":"\u516c\u79ef\u91d1\u5c40\u65b0\u589e\u7b2c\u4e09\u6237\u53e3\uff08EPF3\uff09\u53ef\u81ea\u7531\u63d0\u6b3e\uff0c\u7b2c\u4e00\u6237\u53e3\u65b0\u6bd4\u4f8b\u8fbe75%\uff01\u4f60\u4f1a\u63d0\u6b3e\u5417\uff1f"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/8f8430340d7860823b08ab2662360208","name":"Wen Wei","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1b664ef46b2c3cf8978f6ac038e7f96f06ba9b330892563dffd258588aee73ff?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1b664ef46b2c3cf8978f6ac038e7f96f06ba9b330892563dffd258588aee73ff?s=96&d=mm&r=g","caption":"Wen Wei"},"description":"Work hard, write hard, play harder! A content team leader in IQI Global, with 7 years of writing experience and 4 years of writing real estate content and marketing experience in IQI Global. Reach me by social media below!","sameAs":["https:\/\/www.facebook.com\/wen0401wei\/","https:\/\/www.instagram.com\/wenwei0401\/","https:\/\/www.linkedin.com\/in\/wen-wei-351041233\/"],"knowsLanguage":["English","Mandarin","Cantonese","Basic Korean"],"jobTitle":"Content Marketing Team Lead","worksFor":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/author\/wen-wei\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/05\/2024-Blog-feature-images-1.webp","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/84444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=84444"}],"version-history":[{"count":27,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/84444\/revisions"}],"predecessor-version":[{"id":84516,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/84444\/revisions\/84516"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/84513"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=84444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=84444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=84444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}