EPF拿钱出来买屋需要什么文件？

yyyandyou

我刚买了一间屋，Loan Approve了，签了SNP。
要拿什么文件去KWSP拿我EPF的钱出来？？？

Skeleto_on

去問你的律師，有些文件是要他準備的，給了那麼多錢他要好好利用

eddisonlim

To Purchase or Build a House Withdrawal Scheme
This scheme allows members to withdraw from their account II to purchase or build a house or shophouse with dwelling unit.

Amount eligible to withdraw
Members can withdraw their savings under this scheme as below, which ever is lower: the difference between the price of the house and the housing loan with an additional 10% of the price of the house, or the balance amount in account II.
Example:
Price of the House         RM 75,000.00
Housing Loan         RM 60,000.00
Difference Between The Price of the House and Housing Loan         RM 15,000.00
Additional 10% of the Price of the house         RM 7,500.00
Amount Eligible for Withdraw         RM 22,500.00
Balance in Account II         RM 18,000.00
Amount Can Be Withdrawn         RM 18,000.00 For this case, the member can only withdraw RM18,000.00, which is the balance in Account II. How to apply Members are required to submit KWSP 9C (AHL) form together with the necessary supporting documents.
Members are also allowed to apply under the Reducing or Redeeming Housing Loan Withdrawal Scheme for the same house every three years.
Withdrawal Scheme for Redusing / Redeeming Housing Loan
This scheme allows members to withdraw from their Account II to reduce or redeem their housing loans. Withdrawal can be made once in every three years.

Terms and condition Member may apply under this scheme if:
There is an outstanding balance of loan for purchasing a house or shophouse with dwelling unit;
Members who have refinanced their said house are subjected to withdraw the amount of the original housing loan; and member has not attained the age of 55 from the date of application received by the EPF
Members do not qualifies under this scheme if:
The purpose of withdrawal is for renovation, repair or other extension of the existing house.
Member mortgage the house to acquire finance for the purpose of other than to purchase or build a house
Amount eligible for withdrawal Members can withdraw their savings under this scheme as below or which ever is lower:
For individual application
- total outstanding balance of the loan; or
- balance amount in Account II.
For joint application
- total outstanding balance of the loan, or
- balance amount in Account II for both Application.
Under joint application, EPF will process the application of first purchaser. If the amount is insufficient, EPF will proceed to process the second purchaser
Example
Individual Application
Price of the House         RM 75,000.00
Housing Loan         RM 67,500.00
Outstanding Balance         RM 31,500.00
Balance in Account II         RM 15,000.00
Amount eligible for withdrawal         RM 15,000.00
Joint Application
Price of the House         RM180,000.00
Housing Loan         RM140,000.00
Outstanding Balance         RM 98,500.00
Balance in Account II         RM 20,000.00
Balance in Account II         RM 10,000.00
Amount eligible for withdrawal         withdrawal RM 30,000.00
How to apply
Members are allowed to apply for the withdrawal under this scheme every three years from the date of the first withdrawal from the same account. Members are required to submit KWSP 9C(AHL) form to the EPF.
Withdrawal to Reduce or Redeeming Housing Loan for House
Effective from 2nd January 2001, members can withdraw from their account II to reduce or redeem housing loan for their spouse on the condition that:
they are non-borrowers;
they are registered as co-owners;
the house is mortgaged to the financial institution.
Withdrawal to Reduce or Redeeming Housing Loan for Second House
Effective from 2nd January 2001, members can also withdraw to reduce or redeeming housing loan for their second house on condition that the first house, which was funded from their EPF savings has been sold.
For more information, please visit or call the nearest EPF office. Any queries can be sent to the EPF via e-mail.

carifriend

回复 3# eddisonlim


    请教大大们， 谢。。。

Price of the House         RM 75,000.00
Housing Loan         RM 60,000.00
Difference Between The Price of the House and Housing Loan         RM 15,000.00
Additional 10% of the Price of the house         RM 7,500.00
Amount Eligible for Withdraw         RM 22,500.00
Balance in Account II         RM 18,000.00 --〉如果里头有RM 23,000.00， 也就说允许拿RM 22,500.00 / 屋价的30%吗 ???

carifriend

回复 1# yyyandyou


    搂主，你买的freehold吗？
签了s&p 就可以申请epf拿钱吗?
谢

eddisonlim

回复 4# carifriend


    对，acc 2 的全部。

carifriend

回复  carifriend


    对，acc 2 的全部。
eddisonlim 发表于 7-2-2012 01:55 PM

    哦，原来。。
我还想20%头期 或 10%头期+10%装修费总共到20%罢了
谢谢

迦南門

回复 1# yyyandyou


要准备的文件


1 买卖合约

2 贷款合约 （如果是现金购买，请发展商提供一封信来证明）

3 身份证

4 银行户头存折 （如果没有Bank account book， 会寄支票给你，要超过一个月才领取到，如果直接进你的Bank 就一个星期）


全部都带原本，还要复印一份给公积金局

必须亲自处理，因为要scan你的指印



请把发展商，买卖合约和贷款合约的律师楼电话都save在你电话你，在处理的过程，必要时可以致电给他们询问资料



希望资料能够帮助到你

yyyandyou

回复  yyyandyou


要准备的文件


1 买卖合约

2 贷款合约 （如果是现金购买，请发展商提供一封信 ...
迦南門 发表于 7-2-2012 11:17 PM

非常谢谢你。。。。。

别问我是谁

回复 1# yyyandyou


必须要那间屋子是under你的名字,(签了snp还不算)
如果不是....你所给的document,他们全部拿去丢掉.

如有错,请纠正.