分享我正在使用的方法，我通過這個方法withdraw epf account 2 的錢, 自從我知道這個方法後，我的acc 2基本上常年維持在RM0
HOUSING LOAN MONTHLY INSTALLMENT WITHDRAWAL
最重要的是，這個withdrawal 給予的錢是直接bank into your saving account, 就是說給你cash, 而且可以持續申請，對於好像我一樣缺少現金流的朋友，這不失為一個“良方”
申請資格：
1）你必須是大馬公民和epf的用戶，年齡不超過55歲
1）你必須有一個active的 housing loan (產業必須在你的名下，無論snp/ loan agreement, 如產業在伴侶名下，申請將不被接納）
2）epf account 2 裡必須有至少 RM600
提取數額：
epf用戶每一次成功申請，epf將持續bank in長達12個月，12個月的bank in 完成後，用戶可再次申請。
可能你會問，如果我的account 2的錢不足以還12個月的housing loan repayment會怎樣？好消息是你還是可以提取,只是每月bank in的數額會少了，只要你的epf account 2 有至少 RM600
For example：
monthly housing loan repayment： rm1000, so yearly installment rm12000
epf account 2: rm4000
monthly bank in money = rm4000/12 = rm 333.33
怎樣申請：
首先，你必須去你的housing loan所屬銀行討一份Housing Loan Balance Statement according to
the format determined by EPF, 你只要去銀行告訴staff 你需要housing loan balance statement, 需要用來withdraw epf，他們自然會處理
那文件看起來像這樣：
然後你就去epf（任何分行，不過記得帶my card), 按號碼去courter做一做tumb print申請就gao dim 了，10-14天內，epf 將會bank in 錢給你，而且還會有sms通知，像這樣：
這就是我每年多幾千零吉現金流的方法 :)
如果你覺得malaysiareit.com不錯，請在blog的右上角給我們一個like吧。
Very useful information
回覆刪除Thank you
Epf 不是直接进你的loan acc? 还是进saving acc?
回覆刪除HOUSING LOAN MONTHLY INSTALLMENT WITHDRAWAL 是直接bank into saving account :)
刪除还没买屋，可惜哦！
回覆刪除另外EPF怎么知道你的 saving account ？
apply的時候有給epf 我的saving account number, lolz
刪除有些人是直接从 EPF acct 2 拿钱出来当头期，这样的话，还可以做 housing loan monthly installment withdrawal 吗？据我所知，若从 acct 2 拿钱出来做头期，要在几年后才可以提出新的申请
回覆刪除這是因為當你withdraw EPF acct 2 拿钱出来当头期後,一般上需要“幾”年的時間才開始installment, 其實是沒有時間的限制的。
刪除去银行拿Housing Loan Balance Statement要钱的吗？
回覆刪除完全免費 ：）
刪除how about the property is under the name of my father and me but the loan applicant is only me myself?
回覆刪除thanks to advice.
i am sorry that i really not sure about your case, you may call EPF customer service to clarify this :)
刪除请问下如果屋子是reloan可以嘛？然后是跟家人同一个名字之下。我本身可以动用account2的钱来还银行的借的本钱嘛？
回覆刪除可以 ：）
刪除Is it only for first house? Or can be second house?
回覆刪除除了Housing Loan Balance Statement 和ic，去epf还需要拿什么文件？
回覆刪除no other doc needed
刪除这个点子确实不错，很管用。
回覆刪除great tips! never know this could be done too!
回覆刪除This is great, I knew about this when I enquire about using account 2's money to dump inside housing loan.
回覆刪除This is a stupid thing to do.
回覆刪除my job is to provide financial information to my reader, may be you are serving your installment perfectly, but there are a lot of people who may not able to do it.
刪除i am giving a solution to them, this may save them from auction, and i don't think this is stupid.
anyway, thank you
请问 SOVO Codominium 可以申请到吗 ?
刪除请问 SOVO Condominium 可以申请到吗 ?
回覆刪除Actually EPF giving higher interest rate for your retirement about 5.8%
回覆刪除Currently, housing loan effective rate is 4.4% (blr - 2.4%). If you really cash tight, this is good way. if not. better keep in EPF and use saving acc money to dump into housing loan.
If you are using flexi acc, you can full dump the money and take out when required.
联名的loan可以apply??
回覆刪除可以
刪除有用的资讯。请问如果我现在买了屋子，用了户口2还了头期，是不是可以马上申请housing loan monthly installment withdrawal?
回覆刪除应该没问题，谢谢
刪除