理财 | EPF/KWSP~用途

目前我们知道可以从EPF/KWSP提钱来

1)Acc2: 付教育贷款 PTPTN,或任何其他的学费贷款
2)Acc2: 付房屋贷款 - 一次性(首期)或12月分期付款(12月后可以再申请另外一次的12月分期付款)
3)Acc1:基金投资,可以选择较高回酬的基金投资,来达到分散投资

还有另外4 种:

4)Incapacitation Withdrawal : 当你被诊断因为心理或身体因素而不适合继续工作,你可以领取所有的EPF来当作生活费。另外还可以申请一次性的RM5,000补助费用 (incapacitation benefit)。只要日后恢复工作,你的EPF还是会如常运作。

5)Savings of More than RM1 Million Withdrawal:这个。。。只要你的EPF有多于1.05million,就可以从acc2提出不多于5万的现金。。可以每3月提一次

6)Health Withdrawal : 可以从Acc2提取钱来帮自己或亲属(必须是EPF批准的亲属)付医药费,尤其是严重疾病(Critical illness),或买医药设施(类似洗肾的机器?)

7)Hajj Withdrawal:这是马来同胞的福利,我就略过不提了。

8) 另外一个Pensionable Employees Withdrawal and Optional Retirement Withdrawal:是政府员工养老金的福利,不是很清楚也略过。 

可以参考以下获取更详细资料:
You can use your EPF for 


理财 | EPF/KWSP~用途 理财 | EPF/KWSP~用途 Reviewed by Angel Poi Woon on 下午1:12 Rating: 5

8 条评论:

  1. 虽然知道了,但是再看看能够复习,谢谢分享:)

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  2. 请问可以申请acc2的钱,拿出来做结婚用途吗?谢谢=)

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    回复
    1. KWSP网站:Types Of Withdrawals
      http://www.kwsp.gov.my/portal/member/member-responsibility/withdrawal/types-of-withdrawals

      Age 50 Years Withdrawal
      Age 55 Years Withdrawal
      Withdrawal to Reduce / Redeem Housing Loan
      Incapacitation Withdrawal
      Leaving Country Withdrawal
      Education Withdrawal
      Pensionable Employees Withdrawal And Optional Retirement Withdrawal
      Members' Savings Investment Withdrawal
      Withdrawal to Purchase / Build a House
      Withdrawal Of Savings Of More Than RM1 Million
      Housing Loan Monthly Installment Withdrawal
      Death Withdrawal
      Flexible Housing Withdrawal
      Health Withdrawal
      Hajj Withdrawal

      没有包括结婚用途。

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  3. 请问可以申请用来缴交孩子幼儿园学费吗

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    回复
    1. 不可以,只是交自己的学费而已。

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