今天星洲日報報導:
僱員公積金局(EPF)今日宣佈,向興業銀行(RHB)及馬來亞銀行(Maybank)貸款購屋的會員,可通過網上申請提取公積金存款攤還房貸。
公積金局營運部副首席執行員拿督莫哈末納因發表文告說,會員必須是電子戶頭(i-Akaun)的註冊用戶才能使用電子提款(e-Pengeluaran)設施在網上申請提取公積金存款攤還每個月的房貸。
公積金局會在驗證會員與合作銀行的房屋貸款,並確認他們符合提取存款的條款與條件後,通知會員到公積金局分行進行指紋認證,再通過直接信貸措施發放金額。對於這項housing loan installment EPF提取方法,uncle在早前的文章曾經說明,沒想到EPF進步的這麼快,現在可以online申請了,以後再也不用去EPF counter排隊了,可是我相信申請者還是必須符合一些條件,至於什麼條件,可以重溫我的舊帖:怎樣通過housig loan withdraw epf account 2 增加 cash flow, extra money!!
現在online application與之前的分別是:
以前必須向銀行領取housing loan statement向EPF申請(不是每個月寄給你的那張,銀行是基於申請EPF提款才發出,必須去branch counter申請,還要苦等大約1星期才可順利領取)從報導來看,似乎不再需要housing loan statement,只需要online提出申請,EPF驗證會員與合作銀行的房屋貸款後,去EPF做tumb print就好了,然後回家等待EPF bank in 錢給你就好了~
這未免太方便了吧,相信超過50%的EPF用戶會使用這項服務吧,想了解更多詳情及我本身的親身體驗,重溫我的舊帖吧:怎樣通過housig loan withdraw epf account 2 增加 cash flow, extra money!!
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看来要去了解下了~
回覆刪除uncle jim,
回覆刪除Thanks so much for your sharing... this is definitely useful info.
Btw, can share more ideas about how to optimally make use of this extra cash flow? I am sure there are other better ways to make use of the money instead of just earn 5%+ in EPF and take out only after retirement, but just cannot think of such use case at the moment for my own case. appreciate any idea sharing, thanks!
Hi Jbase,
刪除Many people would tell you don't withdraw money from epf as epf given about 5-6% per year, while housing loan interest rate only cost you 4.xx%
personally, i withdraw money and place in FD stand-by for best time(crisis), many people overlook this. i don't wan to regret for the rest of my life, i can easily double or triple my money by investing stock market during crisis time, that y i don't mind to lose 1-2% now.
If you do not have cash in hand during crisis, u r the victim :)
2cent opinion.
Uncle jim, glad to hear that. Indeed I understand and can appreciate well where u r coming from.
刪除I do share the same thoughts as you though not as firmly. Good to hear the sharing from someone more experienced lkke you. Thanks for your comment which has helped strenghten my thoughts.
Hi Uncle Jim,
回覆刪除请问account 2可以伸请两次吗? 因为五年前,我伸请过一次pay头期, thank you!
acc2 可以申請無限次,看我的舊帖:http://www.malaysiareit.com/2014/07/housig-loan-withdraw-epf-account-2-cash.html
刪除Uncle Jim,
刪除如果是要买第二间的新屋子呢? 之前伸请过一次pay第一间新屋子的头期
如果我沒記錯,需要fully settle第一間房產後,才能申請第二間,謝謝
刪除2014年年底就拜公积金第二户口所赐,终于还清了日积月累的房屋贷款咯。
回覆刪除恭喜hulk大大擺脫房奴,可以多買一件了~哈哈
刪除不好意思Uncle Jim,小弟曾经考虑购买第二间,然而公积金职员说第二户口只能用在首间而已哦。
刪除头期确实如此,可是这个installment withdrawal可以嘛~
刪除哦,原来如此,感谢Uncle Jim。
刪除