word of advice, the first thing u should buat is, make sure u pergi ke bank yang u buat pinjaman tu, and request for a statement of berapa baki pinjaman. make sure u mention u minta tu because nak kluarkan duit kwsp because there is a certain format for the document, which the bank has to follow. The reason i suruh pi bank dulu because it can take between 2 weeks and 1 month for them to prepare the document. sangat menguji kesabaran!!! Oh, the bank will charge you for the documents. Mine (Affin) charged me rm20 for a copy. Just request for a copy because should u and your spouse need to make the withdrawal kat KWSP (and because each person has to sumbit their own set), just fotostat aje document tu, kwsp terima ajer!
Lepas tu, you can start isi borang ( with black pen sahaja) which i think can be downloaded from kwsp punye website (if u know ur pin number). Its borang 9c (AHL) (8d).Tapi ai old skool padahal sebab tak tahu pin number and pergi sendiri ke pejabat kwsp to take the borang and also to check how much is my baki.
Lepas dah dapat bank statement ittew, bolehlah bersama2 suami (if u bought the hse togede-gede and nk kurangkan baki togede gede) ke kwsp untuk mensubmit borang. Stuff u need:
a. ur form
b. a copy of your ic (fotostat depan belakang on the same page)
c.the bank statement thingy
Senang kan? So, inshaAllah, begining next month the money we allocate each month for our house installment can be channeled to our reno plans. Tak banyak sangat pon, but at least adalah something.
Tak sabar tunggu projek next month. Kitchen sink, lampu dan kipas. :)
oh..duit yg kita mohom keluarkan tu will be credited terus ke bank in 2 weeks.Nanti uols akan dapat surat penyata ittew.
And, you are allowed to make the pengeluaran every year. We ols ingat nak keluarkan every three years, just to kurangkan debts cepat2. ihiks. Yela noks. Pinjam sikit. Tapi nak bayar balik, bila dah kena interest tu, mak aii....berpinau jap tengok baki. uhuk.
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