How much EPF can you withdraw to build house?

Employees' Provident Fund (EPF) members can access funds for housing purposes, such as purchasing, constructing, or renovating a house or repaying a home loan. Earlier, a member could only withdraw their own contribution and interest, but now employer contributions are also included. Withdrawals are subject to certain conditions and eligibility requirements.

EPF members can withdraw up to 75% of their EPF balance for housing needs, as long as they have completed 12 months of membership. There is a limit of five withdrawals during the membership period. Withdrawals can be made for various reasons, including medical expenses, education, marriage, or special circumstances notified by the Central Board of Trustees (CBT).

Once an EPF member has completed 12 months of membership, they can access up to 75% of their total EPF balance, including both employee and employer contributions and accrued interest, for housing-related expenses.