经济不好、银行加息、通货膨胀严重,你是不是每个月的供款压力越来越大?
如果你已经开始无法负担房贷,你可以考虑从公积金提款来缴付房贷。EPF是允许会员从第二户口提款来买房、建房、减少/偿还房贷余款和缴付房贷分期付款的!
想申请的朋友可浏览官网,或直接到EPF分行咨询。
缴付房贷分期付款
会员获准提款的金额为房贷余额或所有公积金第二户口的存款,视何者为低。会员第二户口的存款必须有RM600。公积金局将会通过6个月分期付款给会员,每月最低的提款额是RM100。
![](https://1balcony.com/wp-content/uploads/2022/10/Financial-relief-from-EPF_Loan-installment.jpg)
EPF官网:https://www.kwsp.gov.my/member/withdrawals/partial/housing-loan-monthly-installment
![](https://1balcony.com/wp-content/uploads/2022/10/Buy-a-house-with-EPF_Monthly-instalment-edited-1.jpg)
减少/偿还房贷余款
会员获准提款的金额为房贷余额或所有公积金第二户口的存款,视何者为低。会员第二户口的存款必须有RM500。
![](https://1balcony.com/wp-content/uploads/2022/10/Financial-relief-from-EPF_Reduce-housing-loan.jpg)
EPF官网:https://www.kwsp.gov.my/member/withdrawals/partial/reduce-redeem-housing-loan
![](https://1balcony.com/wp-content/uploads/2022/10/Buy-a-house-with-EPF_Loan-reduction-edited.jpg)
买房
会员可申请提领公积金第二户口的存款来买房,会员可申请的提款金额为房价和贷款的差价,再加上10%的房价,又或者是会员第二户口内的所有存款,视何者为低。会员的第二户口存款必须最少有RM500。
![](https://1balcony.com/wp-content/uploads/2022/10/Financial-relief-from-EPF_Getting-a-house.jpg)
EPF官网:https://www.kwsp.gov.my/en/member/withdrawals/partial/buy-home
![](https://1balcony.com/wp-content/uploads/2022/10/Buy-a-house-with-EPF_House-purchase-edited-1.jpg)