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INFORMASI TERKINI

1. DOCUMENTS REQUIRED FOR MY SELANGORKU HOUSE APPLICATION

  • A copy of the identity card of the applicant and spouse;

  • Monthly Income of applicant and spouse;

  • Latest salary statement from the employer or sworn / statutory declaration letter from the Commissioner of Oaths if self-employed;

2. HOW TO WITHDRAW THE EMPLOYEES' SAVINGS FUND (EPF) - WITHDRAWAL FOR PURCHASING A HOUSE

  • This withdrawal allows members to withdraw Account 2 savings to finance the purchase of a house. Withdrawals to buy a second home are allowed after the first home is sold or ownership is disposed of.

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  1. ELIGIBILITY TO APPLY

  2. Member status of Malaysian Citizen OR Non-Citizen

  3. Members have not reached the age of 55 years on the date of application

  4. Members still have savings in Account 2 (minimum RM 500.00)

  5. REQUIREMENT

    • Members buy or build on a residential house (bungalow / terrace / semi-detached / apartment / condominium / 'studio apartment' / 'service apartment' / 'townhouse' / SOHO) or shop house with residential units.

    • Members take housing loans from authorized institutions for the purpose of buying or building a house with any of the following lending institutions :-

      • Financial institutions licensed under the Financial Services Act 2013 or the Islamic Financial Services Act 2013

      • Central / State Government or other government financial agencies

      • Member employer

      • Licensed cooperative / cooperative company (approved by the Malaysian Cooperative Commission)

      • Licensed Insurance Company approved by Bank Negara Malaysia

      • Lenders authorized by EPF; OR

      • Cash

  6. The Sale and Purchase Agreement letter is not more than three (3) years old on the date the application is received by the EPF.
    Never made a Housing Withdrawal; OR have made withdrawals to buy a first home and have sold it or disposed of ownership and then bought a second home

  7. Members want to buy a house that has been acquired on a rent-to-own basis from a party authorized by the EPF

  8. Members buy land and build a house on it simultaneously as a package (the date of the land purchase agreement and the date of the house construction agreement must be within 6 months)

  9. Members are not eligible to apply if:-

    • Renovate, repair or make additional works to the existing house

    • Property ownership is not through a sale and purchase transaction

    • Take a loan in the form of an Overdraft

    • Buying a third home

    • Buying a house abroad

  11. Buying land or house lot only

3. Real Property Gains Tax (CKHT) 2022 [Real Property Gains Tax (RPGT)]. Real Property Gains Tax (CKHT)

Real Estate Gains Tax (CKHT) is a tax levied on profits from the disposal of real estate (flats, houses, condominiums, apartments, farms, vacant land and others). From 21 October 1988, this tax was extended to gains from the disposal of shares in Real Estate Companies.


Through the Real Estate Gains Tax (Exemption) Order 2007 [P.U. (A) 146/2007] The Minister of Finance has exempted any person from all provisions of the ACKHT 1976 for the disposal of assets after 31 March 2007. The exemption order has been revoked from 01 January 2010 through the Real Estate Gains Tax (Exemption) Order 2009 [P.U. (A) 376/2009]. This means that the disposal of any taxable asset from 01 April 2007 until 31 December 2009 is exempt from CKHT.
BUDGET 2022 – The Government will no longer charge Real Estate Gains Tax for disposals by individual citizens, permanent residents and other than companies from the sixth year and above.

4. HOW TO APPLY FOR A HOUSING LOAN

  1. BANK LOAN

  2. TYPES OF LOANS

  3. Basic Loan (Basic term)

  4. Semi Flexi Loan (Semi-Flexi)

  5. Flexi Loan (Full-Flexi)

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