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【 EPF第三户头5月11日起生效！一分钟带你看懂EPF第三户头的详情和提款方式！】

大马吃喝玩乐 - epf 第三户口

真的来了！公积金局（KWSP）正式宣布第三户头（Account 3）将于5月11日起生效，让会员可以无条件提款，作为应急用途。今天就让小编带你来了解EPF第三户头的详情和提款方式吧！

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EPF第三户头5月11日起生效

雇员公积金户头（EPF）将于5月11日起重组，第三户头（Account 3）将会自动开启，从零开始收集新缴公积金，分配额为10%。

公积金局在新增第三户头后，其3个户口的分配额将会是：
第一户头：75% ｜ 第二户头：15% ｜ 第三户头： 10%

大马吃喝玩乐 - epf 第三户口

EPF各个户头名称及用途

公积金局也针对这3个户头，制定出不同名称及用途：

  • 退休户头 Persaraan（第一户头）：退休金，会员年满55岁时才可提款
  • 安康户头 Sejahtera（第二户头）：可用于买房、交付医药费、学费
  • 灵活户头 Flexibel（第三户头）：可随时提取，作为应急或短期财务需求用途

如何提领第三户头存款？

第三户头每次最低提款额为50令吉，会员可于5月12日起，通过KWSP i-Akaun应用程式或全国公积金分行办理提领程序。公积金局提醒民众，从第2户头转账至灵活户头的机会只有一次，截止日期是8月31日，一旦做出选择便无法取消。

若你的第二户头存款低于RM3000，你的款额转移将分为2种方式：

  1. 存款低于RM1000：所有款项转移到第三户头
  2. 存款超过RM1000，但不超过RM3000：只可转移RM1000令吉至第三户头，其他余额则保留在第二户头

 

若你的第二户头存款超过RM3000，你可选择的转移方式如下：

  1. 第二户头30分之10的余额转入第三户头
  2. 第二户头30分之5的余额转入第一户头
  3. 第二户头保留30分之15的余额
大马吃喝玩乐 - epf 第三户口

会员若年满55岁，是否会受到影响？

针对年满55岁的公积金会员，则会沿用原来的机制，把所有3个户头的储蓄合并到55户头（Akaun 55）。对于会员55岁后开始收到的新缴款，则会记账到乐龄户头（Akaun Emas）

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Last Updated on 02/05/2024 by joann

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