Buying a House with KWSP? Here’s Why Carian Rasmi is More Important Than You Think
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Buying a House with KWSP?

Here’s Why Carian Rasmi is More Important Than You Think

 

Owning a home is a dream many Malaysians work hard for, whether it's a new place to call your own, a second-hand unit in a prime location, or building on a piece of land you’ve saved up for. With property prices climbing steadily, it’s no surprise that many turn to KWSP (EPF) housing withdrawals to ease the financial burden. By using funds from Account 2, eligible contributors can either buy, build, or reduce the housing loan for their home.

However, as straightforward as the process sounds, it comes with specific documentation requirements, and one document that often raises questions is the carian rasmi.

 

KWSP Housing Withdrawal: What Can You Use It For?

KWSP allows members to make withdrawals to:

  • Buy a new or completed residential property from a developer, individual, or auction
  • Purchase only your share of a jointly owned home
  • Build a house on land you legally own or co-own
  • Reduce an existing housing loan balance (this can be done multiple times)

Applicants are only allowed to make a withdrawal once for the buy/build category, but can apply repeatedly to reduce their loan. Depending on the type of withdrawal and the ownership status of the property or land, KWSP will request supporting documents, including the carian rasmi.

 

When Is a Carian Rasmi Needed?

If you're applying to withdraw from your KWSP savings for any of the following purposes, you may be required to submit a carian rasmi:

  1. Buying a New House (Developer Project)
    • In new developments where the title has yet to be transferred to your name, carian rasmi is used to verify that the developer still legally owns the land or unit and that the property is properly registered.
  2. Buying a Sub-sale Property (From Individual Owner)
    • When buying from an individual, it’s important that KWSP can confirm the seller is the rightful owner. A carian rasmi from the Pejabat Tanah (Land Office) certifies this and reveals any issues such as caveats or existing charges.
  3. Building on Your Land
    • This is a situation where the carian rasmi is compulsory. Even if you hold a copy of the title or grant, KWSP requires an updated official search to verify that the land is still under your name (or a joint applicant’s) and is not restricted by any legal issues. It also confirms that the land category and use is appropriate for residential construction.

 

What If It’s Not My First House?

Contrary to popular belief, KWSP withdrawals are not limited to first-time homebuyers. You can still apply if:

  • You’ve never withdrawn before under the "buy/build" category, even if it’s your second or third property
  • You’re applying to reduce your housing loan balance, which is allowed multiple times

In any case, if the land or property is not yet registered in your name, or if you’re applying under the build category, KWSP will still require a carian rasmi as part of the process.

 

Why Is Carian Rasmi So Important?

A carian rasmi is more than just a supporting document; it’s an official snapshot of the latest status of a property or land. Issued by the Land Office, it shows:

  • Current registered owner(s)
  • Title and lot details
  • Type of land (residential, agricultural, etc.)
  • Any existing caveats, charges (such as bank loans), or legal encumbrances

For KWSP, this document helps validate that the property or land involved in the withdrawal is genuine, properly registered, and eligible under their rules. Even a minor discrepancy in ownership details can delay or hinder the application process.

This is why having a valid and updated carian rasmi can save you from delays or rejection of your application.

 

 

What’s the Process to Get a Carian Rasmi?

Typically, you’ll need to go through the local Pejabat Tanah where the property is located. The process can be time-consuming, especially if you’re unfamiliar with the required information, such as the title number, lot number, or exact location of the land. In some states, a QR code or account number from your land tax (cukai tanah) receipt may also be helpful.

That’s where EasyLaw can step in.

 

EasyLaw Makes Your Carian Rasmi Easy

At EasyLaw, we understand that not everyone has the time to deal with land office queues or the hassle of official procedures. That’s why we offer a fast and reliable land search service made for individuals, lawyers, and property agents.

Whether you’re buying a home through KWSP, verifying ownership before a transaction, or need a copy for legal purposes, EasyLaw can handle it for you.

With EasyLaw, you get:

✅ Fast turnaround times

✅ Coverage for all states — including Sabah & Sarawak

✅ Assistance even if you don’t have full title details (Extraction of Title Information)

✅ Professional support from EasyLaw team
 

No need to go through the hassle on your own. We extract the carian rasmi for you quickly and correctly, so you can focus on your next step, whether that’s signing an S&P or submitting your KWSP forms.

 

Ready to Get Started?

Whether you're applying to buy, build, or reduce your loan under KWSP, EasyLaw is here to make the process easier. Reach out to us today to get your carian rasmi done the easy way and move one step closer to owning your dream home.