Buyer Guide

EPF Guide



The purchaser must be a member of EPF.

Please note that :
  1. EPF withdrawal to purchase a second house is allowed after the first house purchased utilizing EPF has been sold or disposal of ownership of  property has taken place. Disposal of ownership refers to "loss of ownership of the first house owned by you either due to auction, surrender of property by court order, transfer of ownership because of love and affection, destruction of house due  natural disaster, abandoned housing project or cancellation of purchase".
  2. Buying of house with another individual who has no kinship is allowed, provided that the other individual is a buyer and borrower.

You are entitled to withdraw either : 
  1. 10% of the purchase price or the full amount in account 2 whichever is lower.
  2. The different sum between the purchase price and the loan amount with the additional of 10% from the purchase price or the full amount in account 2 whichever is lower. 

To fill in the EPF withdrawal form at the nearest EPF office and to submit together with :
  1. The original copy of the Sales and Purchase Agreement.
  2. Photocopy of your IC
  3. A copy of the letter of loan approval from your end-financier.
  • All the above documents shall be sighted by the EPF officials.
  • The payment will be released directly to the Purchaser within an estimated period of two to four weeks from the date of submission.
For more information, please refer to EPF website at