Pengeluaran KWSP Untuk Pinjaman Perumahan

Beli rumah merupakan pelaburan masa hadapan yang bijak, rumah bukan hanya untuk didiami malahan sebagai harta pelaburan yang menguntungkan samaada untuk dijadikan sewaan, homestay ataupun sublet.

Namun masih ramai yang belum berpeluang untuk membeli rumah di atas faktor:

  • Harga rumah yang tinggi dan memerlukan deposit yang banyak untuk pinjaman bank
  • Deposit rumah diluar kemampuan. (Cara Kumpul Deposit Rumah)
  • Kos Guaman yang tinggi

Namun kita masih mempunyai peluang untuk membeli rumah sekiranya Akaun 2 KWSP mencukupi untuk proses pembelian rumah. Maklumat di bawah mungkin boleh menjadi rujukan sebelum membeli rumah.

1. Pengeluaran untuk membeli atau membina rumah

Skim ini membolehkan seseorang individu (atau pembeli bersama) untuk mengeluarkan wang dari akaun 2 KWSP mereka bagi membeli sebuah rumah (jenis: banglo/ teres/ berkembar/ apartment/ kondo/ apartment studio/ apartment servis/ townhouse/ SOHO) atau lot kedai dengan unit kediaman dari pemaju, individu ataupun lelongan awam.

Untuk memohon, perjanjian Jual dan Beli (SPA) juga Surat Kelulusan Pinjaman Perumahan (melainkan rumah itu dibayar tunai) atau Perjanjian Kemudahan Pinjaman mestilah dihantar semasa permohonan dibuat. Anda boleh pergi ke mana-mana pejabat / cawangan KWSP untuk menyerahkan Borang Pengeluaran 9C (AHL) (D5), bersama-sama dengan dokumen-dokumen sokongan atau menghantar melalui servis penghantaran / pos.

Dalam kebanyakan kes, ia bermakna anda perlu membayar dan menyelesaikan terlebih dahulu kos pendahuluan berikut sebelum memohon pengeluaran:

  1. Yuran Tempahan + Bayaran Muka bagi rumah tersebut.
  2. Yuran Guaman dan Setem Duti bagi perjanjian jual beli (SPA)
  3. Dapatkan sekurang-kurangnya surat kelulusan pinjaman perumahan

Had Pengeluaran

  1. Wang dari Akaun 2 KWSP boleh digunakan untuk membayar perbezaan harga antara harga rumah SPA dan jumlah pinjaman perumahan, sehingga tambahan 10% ke atas harga rumah. Jadi, jika pinjaman perumahan penuh (100%) diperolehi, maksimum yang boleh dikeluarkan adalah sehingga 10% daripada harga rumah
  2. Jika rumah itu dibeli dengan menggunakan wang tunai, sehingga 110% daripada harga rumah yang boleh dikeluarkan.
  3. Sebarang jumlah pengeluaran adalah tertakluk kepada jumlah baki wang yang ada dalam Akaun 2 KWSP pemohon ( juga pemohon bersama yang berkenaan)

Kelayakan Pengeluaran

  1. Kelayakan untuk membeli rumah pertama
  2. Kelayakan untuk membeli rumah kedua, dengan syarat rumah pertama telah dijual atau pelupusan harta telah dibuat.

Senarai penuh terma dan syarat serta dokumen-dokumen sokongan yang diperlukan boleh didapati di seksyen ini bagi membeli, atau seksyen ini bagi membina rumah di laman sesawang KWSP.

 

2. Pengeluaran Mengurangkan / Menebus Pinjaman Perumahan.

Skim ini membolehkan individu untuk mengeluarkan wang daripada Akaun 2 KWSP untuk mengurangkan atau menebus baki pinjaman rumah dengan institusi kewangan yang diluluskan. Ini boleh dilakukan untuk pembelian individu, pembelian bersama, atau untuk pinjaman perumahan pasangan.

Untuk memohon, Penyata Baki Pinjaman Perumahan Terkini (tidak melebihi 3 bulan dari tarikh permohonan) dan semua Surat Penebusan Pinjaman (Yang mana pembiayaan semula pernah dibuat) mestilah dihantar semasa permohonan dibuat. Anda boleh pergi ke mana-mana pejabat / cawangan KWSP untuk menyerahkan Borang Pengeluaran 9C (AHL) (D8) bersama-sama dengan dokumen-dokumen sokongan atau menghantar melalui servis penghantaran / pos.

 

3. Pengeluaran untuk membayar Ansuran Bulanan Pinjaman Perumahan

Skim ini adalah tambahan kepada skim di atas (Pengeluaran mengurangkan / menebus pinjaman perumahan) dan membolehkan anda untuk membentuk satu arahan tetap bagi membolehkan wang di dalam Akaun 2 dibayar terus kepada bank atau dikreditkan terus ke dalam akaun bank anda.

Apabila ini telah ditetapkan, bayaran bulanan automatik hanya boleh dibatalkan 1 tahun selepas pengeluaran awal dengan mengisi Borang Permohonan Pembatalan Pengeluaran.

Untuk memohon, Penyata Baki Pinjaman Rumah Terkini (tidak melebihi satu bulan dari tarikh permohonan) mestilah diserahkan semasa permohonan. Anda boleh pergi ke mana-mana pejabat/cawangan KWSP untuk menghantar Borang Pengeluaran 9P (AHL) bersama dengan dokumen-dokumen sokongan yang boleh didapati di laman sesawang KWSP.

 

4. Meningkatkan pendapatan bulanan anda yang dilaporkan untuk melayakkan diri untuk nilai pinjaman yang lebih tinggi.

Skim ini berguna kepada mereka yang ingin memohon untuk mendapatkan nilai pinjaman yang lebih tinggi dari sepatutnya yang mereka dapat / layak. Individu boleh memohon kepada KWSP untuk mengambil sejumlah wang dari Akaun 2 untuk dimasukkan ke dalam “Akaun Pengeluaran Perumahan Fleksibel” khas. Caruman bulanan ke akaun ini dianggap sebagai pendapatan kepada seseorang individu itu, sekaligus membolehkan individu untuk mendapat jumlah pinjaman yang lebih tinggi bagi pembelian / pembinaan rumah.

Di samping itu untuk menetapkan jumlah tetap yang akan dipindahkan dari Akaun 2 setiap bulan, anda juga boleh memohon untuk mendapatkan pemindahan wang sekaligus daripada simpanan dalam Akaun 2.

Apa Yang Berlaku Kepada Wang Dalam Akaun Pengeluaran Perumahan Fleksibel Ini?

Wang di dalam akaun ini masih dimiliki oleh individu di bawah kawalan KWSP. Ia tidak diberikan kepada bank, dan akan terus mendapat dividen dari KWSP. Walau bagaimanapun, dana di dalam akaun ini tidak boleh diakses oleh individu sehingga syarat khas tertentu dipenuhi, salah satunya adalah kebenaran dan kelulusan bank untuk “mencairkan” wang tersebut. Biasanya, bank akan bersetuju apabila “pendapatan sebenar” individu yang telah dicampurkan sekali dengan jumlah yang ditambah dengan amaun yang dipindahkan daripada Akaun 2 setiap bulan.

Selain itu, permohonan untuk “mencairkan” wang dan menghentikan apa-apa pemindahan dana pada masa depan kepada Akaun Pengeluaran Perumahan Fleksibel hanya boleh dibuat selepas 1 tahun penggunaan awal.

Bagaimana cara memohon?

  1. Maklumkan kepada institusi kewangan niat anda untuk memohon Akaun Pengeluaran Perumahan Fleksibel ini semasa memohon. Dapatkan pengesahan daripada institusi kewangan mengenai maklumat pinjaman.
  2. Kemukakan permohonan melalui institusi kewangan.
  3. Pengeluaran Perumahan Fleksibel mesti digunakan bersama-sama dengan:
    1. Pengeluaran untuk membeli / membina rumah ATAU
    2. Pengeluaran untuk mengurangkan / menebus pinjaman rumah.

Senarai penuh Terma dan Syarat bersama dengan dokumen sokongan yang diperlukan boleh didapati di laman sesawang KWSP.

 

Baca Juga: Sekiranya Anda Ada Rumah Untuk Dijual atau Di Sewa. Lantik Perunding Hartanah

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