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Salam sejahtera. My wife and I bought a house joint loan and S&P 10 years ago. Both withdrew from EPF for down payment and monthly installments then. 5 years ago we refinance the loan to my name only (both name still in S&P). We have not yet sold the property and plan to buy a house. Is this considered second property for my wife if we intend to withdraw from EPF again? If cannot withdraw, how can we transfer the property to my name only so she can purchase a second property using EPF?
Thanks for any advice.
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