You can withdraw from Akaun Sejahtera towards a home — who qualifies, how much you can take, and what EPF needs from you.
EPF lets you draw on your Akaun Sejahtera savings towards up to two residential properties.
If you have already used EPF savings for your first home, that property has to be sold or otherwise disposed of before you can apply again for a second.
The withdrawal covers a purchase from a developer, a subsale, or a property bought at auction, whether you are taking a loan or paying for it yourself.
EPF restructured its accounts in May 2024. Contributions are split across Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel, and housing withdrawals come from Akaun Sejahtera — the account previously called Account 2.
Both may apply. The old citizenship conditions tied to 1995 and 1998 no longer appear in KWSP’s requirements.
At the time EPF receives the application.
Housing withdrawals come from Akaun Sejahtera, which replaced Account 2 when EPF restructured its accounts in May 2024.
Bungalow, terrace, semi-detached, apartment, condominium, studio, service apartment, townhouse, SOHO, or a shop lot with a residential unit from a developer in Malaysia. SOHO purchases must be applied for at an EPF office rather than online.
An approved loan from a recognised lender, or self-financing.
Up to two residential properties. If you used EPF savings for the first, it must be sold or disposed of before you apply for the second.
The extra 10% is there to help with the upfront costs of buying — stamp duty, legal fees and the like.
| Purchase type | Individual withdrawal | Joint withdrawal |
|---|---|---|
| With a housing loan | The difference between the purchase cost and the approved loan amount, plus 10% of the purchase cost — or your entire Akaun Sejahtera savings, whichever is lower. | The difference between the purchase cost and the approved loan amount, plus 10% of the purchase cost — or the applicant’s entire Akaun Sejahtera savings, whichever is lower. |
| Self-financed (cash) | The purchase cost plus an additional 10% — or your entire Akaun Sejahtera savings, whichever is lower. | The purchase cost plus an additional 10% — or the applicant’s entire Akaun Sejahtera savings, whichever is lower. |
A joint withdrawal can be made with your spouse, an immediate family member or another individual buying the property with you.
If you are financing the purchase, the loan has to come from one of these.
Apply online through KWSP i-Akaun, or at an EPF branch. SOHO purchases have to be applied for at a branch.
The money must be used for the purpose you applied for. Using it otherwise, or making a false declaration or submitting false documents, is an offence under the Employees Provident Fund Act 1991.
Building, renovating and paying down a loan are separate withdrawals with their own rules.
Building on land you already own.
On kwsp.gov.myHelping to service the monthly repayment.
On kwsp.gov.myPaying down or settling the outstanding loan.
On kwsp.gov.myA flexible arrangement alongside your housing loan.
On kwsp.gov.myFor a PR1MA home.
On kwsp.gov.myDetails on this page follow the Employees Provident Fund and were last checked in September 2026. EPF’s rules change — confirm your own position on kwsp.gov.my or with EPF directly before you commit to a purchase.
Buyer guide, tenant guide, acquisition cost, RPGT, professional fees and the loan application process.
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