Should you withdraw your EPF to pay for housing loan? My thoughts

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One of the most frequently asked question is whether to withdraw EPF to pay housing loan. Here are my thoughts.
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[@villarossa]

Good point on what if we dont live until 55, and on having peace of mind knowing that the house is already ours for our family in case of unexpected death. I was contemplating and was on the fence whether to take out my EPF to settle my home loan or not. I too am thinking of a career change. Having debt free / no home loan would certainly be liberating. Your video has convinced me to settle my home loan. Thanks.

[@propertystories]

You’re welcome. Not having debt to repay is indeed very liberating.

[@XiAoHawHaW]

If can't survive until 55, at least can use some of your own money in akaun2 when alive by withdrawal for housing loan monthly.
If you don't withdraw and can't survive until 55, your wife will get all your hard earn money in EPF.
Conclusion? It's either you spend your money yourself or let your wife spend it all.
A big win is withdraw for housing loan installment now, and lucky enough survive until 55.

[@propertystories]

The nominee can be anyone and not necessary to be wife. Make sure update EPF on this.
Yes, withdraw to pay as installment to me is also viable. I withdraw lump sum to pay down principal before refinancing it. It’s the one of the ways to “cashout” before 55.