如何利用公积金取款买房?How to utilize EPF withdrawal money to purchase a house?

如何利用公积金取款买房?How to utilize EPF withdrawal money to purchase a house?

购买你的第一套房子需要一个巨大的财政承诺,并不是一个容易的事情,尤其是如果你在城市工作。一个“负担得起的”中档家庭住宅价格约为50万令吉,并要求支付约5玩令吉的10%首付订金/即使通过了第一个障碍,你仍然需要为以后每月还贷而担心。
但你知不知道,对于那些想要购房或现在房产业主其实都有可以动用公积金(EPF)储蓄的第二账户(Account 2),以支付与家庭相关的开支,包括购买房产!

1. 如何提取公积金购买(或建造)房屋

你必须先自己掏出10%的房产首付订金,如果你买了一套二手房产,就要付给开发商或业主。只有这样,你才能从 MaybankCIMBAmBank 等银行/金融机构获得住房贷款,并签署买卖协议(SPA)。一旦你的SPA签署,立即向EPF申请赎回已支付的首付款。

你可以申请提取 SPA 中规定的房价与住房贷款金额之间的差额(通常为90%,因为大多数首次置业者必须提交10%的首付),并在房价的基础上再提取10%。例如,

SPA价格:RM500000;贷款金额(90%):RM450000

你可以提取的金额:(RM500, 000 – RM 450, 000)+(RM500, 000 的 10%)=RM 100, 000

当然,取款仅限于你EPF第二账户中的储蓄金额。

如果你一开始就拿不出10%的首付怎么办?

你会想探索一些银行提供的100%融资方案。其中一家银行是MBSB,但须符合某些条件。不过,这类申请人最多只能提取10%的楼价。所以,假设你的房子价值50万令吉,你将有资格提取5万令吉。或者,你将不得不从你的父母、亲戚或密友那里借钱或集资,以获得90%的住房贷款。然后,你可以用从你的EPF第二帐户中提取的钱来偿还他们。明智的做法是在搬家之前先积攒足够的积蓄。

所需文件:
  • EPF提款申请表9C(AHL)(D5)
  • 身份证(仅限第一次)。后续应用程序将捕获指纹验证。
  • 借款银行证明的银行贷款文件(贷款批准书或贷款融通协议)。通知银行职员你打算从你的EPF账户中取款。
  • 银行账户信息。建议你提交银行存折或银行对账单复印件。
  • 买卖协议(SPA)
申请标准:
  1. 申请时年龄在55岁以下。
  2. EPF第二账户中至少有RM500。
  3. 所述物业只能用作住宅用途,即平房/露台/半独立式/公寓/公寓式公寓/公寓式公寓/酒店式公寓/联排别墅/SOHO或带有住宅单元的商铺地块。
  4. 国人或非国人均可申请,只要你是一名长期都有存款进入EPF的成员。
  5. 你的购房资金既可以通过银行发放的住房贷款,也可以通过现金购买。
  6. 每次提款只对一个物业(房屋)有效。如果你希望申请第二套房产,只有在你处理完第一套房产后,才有可能申请第二套房产。你必须提交所有权转让证明。
  7. 申请必须在签署SPA后3年内提出。如果你的房子已经超过3年了,不用担心。你仍然可以选择每月申请提款,以减少你的住房贷款(讨论如下)。

另外一点:EPF在处理应用程序方面非常高效。整个过程不到3周,从申请之日起到资金存入你的账户。一旦你的申请被批准,你会收到一条短信,要求你在任何一个EPF柜台进行指纹验证。从个人经验来看,只花了3-4天就收到了钱!

2. 如何EPF款项以帮助支付分期付款或减少房屋贷款

假设你不知道上述提款,并且你已经在3年前购买了一套房子。你仍然可以选择提取 你的EPF存款,以帮助你支付每月分期付款,或支付你的住房贷款资本,以节省利息成本。

申请标准:

1) 与上述标准1-5相同

2) 该房屋必须是你的第一个住宅物业/房屋。

3) 你必须是房产的所有者,并且在银行有未偿还的住房贷款。

下一步是从你的银行获得最新的贷款余额表,并将其提交给EPF。你的银行需要大约2周的时间来处理这个问题。

你可以申请提取你EPF第二账户中的所有存款,但这将按月支付,不超过你每月分期付款的金额。例如,假设你的每月还款为RM1000,而你的第二账户中总共有RM10000。在10个月内,RM1000将每月存入你的个人账户或直接存入你的借款银行。

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English Version begins:-

Purchasing your first home requires a huge financial commitment and is no easy feat for most Malaysians, especially if you work in the city.

An ‘affordable’ mid-range family home costs roughly RM500,000 and calls for a 10% down payment of RM50,000! Even after this first hurdle is passed, you still have to worry about servicing your subsequent monthly loan repayments. Is it any wonder that most urban millennials are still living with their parents?

We have an interesting tidbit for those who are in a financial bind – it is possible for both current and aspiring homeowners to dip into their Employees Provident Fund (EPF) savings, in particular [1] Account 2 to help finance their home-related expenses.

Here we lay out the step-by-step EPF withdrawal process for the purpose of:

A) Purchasing your first or second home
B) Settling your monthly instalments for an existing home loan OR paying down an existing home loan to save on interest costs

How to withdraw EPF money to purchase (or build) a house

You will have to first fork out the 10% down payment yourself, payable to the developer for primary properties or to the property owner if purchasing a sub-sale house. Only then will you be able to secure a home loan from a bank/financial institution such as Maybank, CIMB or AmBank and sign the Sales & Purchase Agreement (SPA). As soon as your SPA is signed, apply immediately to EPF to redeem the down payment paid.

One can apply to withdraw the difference between the house price stated in the SPA and the housing loan amount (which is typically 90% as most first time home buyers have to submit a 10% down payment) on top of an additional 10% on the price of the house. For instance,

SPA Price: RM500,000; Loan Amount (90%): RM450,000

Amount you can withdraw: (RM500,000 – RM450,000)+ (10% of RM500,000) = RM100,000

Of course, withdrawals are limited to the savings amount in your Account 2.

What if you are unable to come up with the 10% downpayment in the first place?  

You would want to explore 100% financing schemes offered by a few banks. One such bank is MBSB, subject to certain conditions. However, applicants under this category can only withdraw up to 10% of the property price. So say your home costs RM500,000, you will be eligible to withdraw RM50,000 only.  Alternatively, you will have to borrow or pool money from your parents, relatives or close friends in order to secure a 90% home loan. You can then pay them back with the monies withdrawn from your Account 2. It is wise to accumulate the sufficient amount of savings first before making your move; you wouldn’t want to be indebted to your loved ones for a long time.

REQUIRED DOCUMENTS: 

  • EPF Withdrawal Application Form 9C (AHL) (D5)
  • Your Malaysian Identity Card (first time only). Thumbprint verification will be captured for subsequent applications.
  • Bank loan documents (Letter of Loan approval or Loan Facility Agreement) certified by your borrowing bank. Inform the bank officer your intention to withdraw from your Account 2 and the rest will be done for you. You can either collect the documents yourself at the branch or have it mailed to you (usually within 2 weeks). Hence, make sure to collate your documents a few weeks before.  
  • Bank account information. Members are encouraged to bring their bank passbook OR a copy of their bank statement.
  • Sales & Purchase Agreement (SPA)

CRITERIA 

1) Age below 55 at the time of application.
2) Have at least RM500 in Account 2.
3) The property in question has to be for residential purpose only i.e  bungalow/terrace/semi-detached/apartment/ condominium/studio apartment/serviced apartment/townhouse / SOHO or a shop lot with a residential unit.
4) Can either be a Malaysian or non-Malaysian as long you are an active member and have been making EPF contributions.
5) Your home purchase can be either financed by a home loan granted by banks or via an outright cash purchase. 
6) Withdrawal is only valid for one property (house) at any one time.  Should you wish to apply for a second home, this is only possible once you have disposed of your first property. You must submit the proof of transfer of ownership.
7) The application must be made within 3 YEARS of signing the SPAIf it has been over 3 years since your house purchase, don’t worry. You still have the option to apply for a withdrawal on a monthly basis to reduce your housing loan (discussed below).

A plus point: EPF is very efficient in processing applications. The whole process takes less than 3 weeks from the day of application to the point of the money being deposited into your account. Once your application is approved, you will receive an SMS requiring you to be present at any EPF counter for thumbprint verification. Speaking from personal experience, it only took 3-4 days for the money to be received!

How to withdraw EPF money to help pay instalments or to reduce housing loan 

Let’s say you were not aware of the withdrawal above and you have already purchased a house over 3 years ago. You can still opt to withdraw your EPF money to assist with paying your monthly instalments or to pay down the capital of your home loan to save on interest costs.

CRITERIA 

1) Same as above for Criteria 1-5
2) The house in question must be your first residential property/house.
3) You must be an owner of the property and have an outstanding home loan with a bank.

The next step will be to obtain the latest loan balance statement from your bank and submit it to EPF. Your bank will take about 2 weeks to process this.

You may apply to withdraw all your savings in your Account 2 but this will be paid to on a monthly basis, not exceeding the amount of your monthly instalment. For example, say your monthly repayment is RM1,000 and you have a total of RM10,000 in your Account 2. RM1,000 will be credited into your personal account or directly to your borrowing bank each month over 10 months.

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