Early Withdrawals
Early Withdrawal

In accordance with the FNPF Early Withdrawal Guidelines, FNPF members can partially withdraw funds from their General Account for education, medical, unemployment, funeral, and housing provided that they have sufficient funds in their General Account and they meet the qualifying conditions and requirements of the specific withdrawal.

Education Assistance (Local)

As a member, you can access your savings to assist you and your family with education expenses.

Who can be assisted

  1. Member
  2. Member’s Spouse
  3. Member’s Children
  4. Member’s Siblings
  5. Member’s Parents

What level of education is covered

  1. Year 13/ Form 7
  2. Tertiary Studies
  3. Tertiary Foundation Level
  4. Year 13 students that attend a private school if fees are not subsidized by Government under the Free Education Program
  5. Students that attend special schools – An assessment report from a qualified specialist is required for confirmation
  6. The Fund will only assist the Fund approved institutes that offer courses/programs that are accredited by Higher Education Commission Fiji (HECF) and/or Access to Quality Education Program (AQEP). This includes short courses offered by Fiji National University (FNU)

What does this assistance cover?

  1. Accommodation costs and meals – up to $2500 per semester per student at hostels approved by the Fund for the current term of study
  2. Tuition – balance of fees subsidized by the government under the Free Education Program, where the net amount can be assisted by the Fund for high school
  3. Textbooks – Year 13 and Tertiary Level students for up to $400 per student per Semester (limited to twice per calendar year) for text books relevant to the current program of study.
FNPF will only fund tuition for the previous year and/or current semester/trimester school year of enrolment.

Processing time

  • 3 Working Days

Method of Payment

  • Tuition and accommodation fees are paid directly to the school or institute; homestay or hostel and textbook fees are paid to the member/institute as applicable.

Education Assistance - Overseas

Who Can Be Assisted?

  1. Member
  2. Member’s Spouse
  3. Member’s Children
  4. Member’s Siblings
  5. Member’s Parents

For What Level of Studies Can I Access The Education Assistance?

  1. Year 13
  2. Tertiary Level Education.
  3. Tertiary Foundation
  4. Professional courses offered by CPA Australia and FINSIA

What does this assistance cover?

  1. Tuition fees
  2. Accommodation
  3. Incidental Expenses to a maximum amount of $10,000 for the duration of the study for relocation to another country of study. Incidental expenses are not applicable for students who are residents or citizens of the country they intend to study in.

-Also Applicable for year 12 sponsored students for overseas education.

-For courses, less than 6 months a maximum of $2000 is allowed.

What is the processing time?

5 working days from the date of submission by the member.

Method of Payment

  • Payment will be remitted to the overseas instituition via telegraphic transfer or bank draft.
EW01 Education Partial Withdrawal
FNPF APPROVED EDUCATION AND ACCOMMODATION PROVIDERS

Medical Assistance

Who Can Be Assisted?

  1. Member
  2. Member’s Spouse
  3. Member’s Children
  4. Member’s Siblings
  5. Member’s Parents

What does this withdrawal cover?

Where a member or his/her spouse, parents, children, brothers and sisters; require curative medical treatment locally arising from an emergency situation due to a life threatening medical condition, and has produced satisfactory evidence, the Fund may permit the member to withdraw part of the funds in his/her General account to assist with the related expenses. Elective surgery and procedures by choice of a member e.g. gender reassignment surgery, cosmetic surgery such as Breast Augmentation, Hair transplantation and cosmetic dentistry will not be assisted.

Assistance may be provided for prosthetic limbs, hearing aid and mobility equipment.

The payment will be made directly to the supplier/treatment provider.

Local Treatment

Requirements

  1. Complete the EW02 Medical Application Form.
  2. Documents confirming the relationship of the patient to the member, e.g. Original or certified full extract of birth & marriage certificate printed after the year 2000 (if applicable).
  3. A recent detailed medical report from a registered local doctor.
  4. A breakdown of treatment costs from the medical institution where the patient will undergo treatment.

Method of Payment

  • Payment is made directly to the medical institute or insurance companies.

Processing Time

  • 5 working days from the date of submission by the member and subject to the invoice from medical treatment provider

Notes

Any unutilized FNPF funds must be refunded to the FNPF and will be credited back to the member’s account.

EW02 Medical Withdrawal Form

Overseas Treatment

Who Can Be Assisted?

  1. Member
  2. Member’s Spouse
  3. Member’s Children
  4. Member’s Siblings
  5. Member’s Parents

What does this withdrawal cover?

Treatment – Where a member or his/her spouse, parents, children, brothers and sisters; require curative medical treatment locally arising from an emergency situation due to a life threatening medical condition, and has produced satisfactory evidence, the Fund may permit the member to withdraw part of the funds in his/her General account to assist with the related expenses. Elective surgery and procedures by choice of a member e.g. gender reassignment surgery, cosmetic surgery such as Breast Augmentation, Hair transplantation and cosmetic dentistry will not be assisted.

Incidental – Assistance may also be extended for incidental expenses for overseas medical treatment to a maximum of $10,000 per patient per calendar year.

For review cases, the Fund may assist upon receipt of recommendation from overseas consultant. Assistance may also be extended for incidental expenses for review cases to a maximum of $10,000 per treatment.

Assistance may be provided for prosthetic limbs, hearing aid and mobility equipment.

The payment will be made directly to the supplier/treatment provider.

Requirements

  1. Complete the EW02 Medical Application Form.
  2. Documents confirming relationship of the patient to the member, e.g. Original or certified full extract of birth & marriage certificate printed after year 2000 (if applicable).
  3. A confirmation letter from the overseas hospital on patient’s treatment, date of admission, duration of stay and breakdown of cost of treatment.
  4. A letter from the insurance company where the patient has a medical insurance cover confirming and detailing medical coverage
  5. Certified copies of the patient’s passport pages showing details of the passport holder and the validity of the passport.
  6. A Visa to cover period of medical treatment is to be produced before payment is released (Approval will be granted, however, payment will be subject to a copy of the visa submitted to the Fund).
  7. Member’s latest bank statement.
  8. Evidence from the overseas hospital providing details for payment by telegraphic transfer, postal address or bank drafts.
  9. If a review is required, a breakdown of incidental expenses during the review period is needed.

Method of Payment

  • Payment will be made by bank draft or telegraphic transfer. Related bank fees will be deducted from the funds withdrawn by the member.

Processing Time

  • 5 working days from the date of submission by the member.

Notes

Any unutilized FNPF funds must be refunded to the FNPF and will be credited back to the member’s account.

EW02 Medical Withdrawal Form

Funeral Assistance

As a member, you can access your General Account to assist you and your family with funeral expenses.

Whose Death Can A Member Withdraw For?

  1. Member’s Spouse
  2. Member’s Parents
  3. Member’s Siblings
  4. Member’s Children

How much can member withdraw under Funeral Assistance?

  1. The amount applied for must be within the member’s General Account
  2. The maximum withdrawal permitted is $2000 for each funeral

Requirements

  1. Complete the EW03 Funeral Application Form.
  2. Original or certified copy of Medical Certificate of Cause of Death stamped and signed by the authorized medical official or Death Certificate.
  3. If the member is applying for assistance for the death of a sibling, a statutory declaration is required from the next of kin or other siblings authorizing the member to withdraw funds and confirm the marital status of the decease. The next of kin is to apply for this assistance within 30 working days from the date of death.
  4. Documentary evidence is required to confirm the relationship between the member, deceased person and the person declaring.
  5. Member’s latest copy of Bank Statement (not more than one month old).

Method of Payment

  • Payment is made directly to the member’s bank account.

Processing Time

  • 3 working days from the date of submission.

Notes

If the deceased member qualifies for the Special Death Benefit Assistance of $2,000 then the next of kin cannot apply for the funeral assistance.

Applying on the mobile app

EW03 Funeral Withdrawal

Unemployment Assistance

  • Letter from employer confirming acceptance of resignation, termination, non-renewal of contract, laid off, redundancy, seasonal worker or disciplinary tribunal. Evidence should be on the employer’s letter head if applying within 1 year of unemployment.
  • Member can apply for this withdrawal if they are still unemployed after 1 year from the last unemployment withdrawal. Employers’ letter will not be required
  • Member can access their General Account for unemployment withdrawal once every twelve months subject to their unemployment status.

Who can be assisted?

1. Members who are unemployed due to the following reasons:

  • Laid-off
  • Non-renewal of contract
  • Pending Disciplinary Tribunal proceeding
  • Redundancy
  • Resignation
  • Seasonal worker
  • Termination

2. Members who have a minimum General Account balance of $135

How much can I withdraw for unemployment?

A minimum of $100 up to a maximum of $2,000 depending on your General Account Balance ($35 to be retained in the General account for SDB premium)

 

Requirements

  1. Letter from employer confirming termination, non-renewal of contract, laid off, redundancy, resignation, seasonal worker or evidence of disciplinary tribunal if the member applies within 1 year of unemployment.
  2. Members who access this withdrawal will be allowed to re-apply after 1 year of the last unemployment withdrawal.

All document copies must be certified by either an authorized FNPF officer, Justice of Peace or Commissioner for Oath.

How can I apply for this assistance?

There are three ways that applications can be submitted:

Method of Payment

You will receive the approved amount in one lump sum payment in one of these preferred payment mode:

  1. Direct Transfer to Bank Account
  2. M-PAISA
EW03 Unemployment Withdrawal

Housing

You can withdraw funds from your FNPF account to purchase a land/house, build, repair, extend or renovate your home.

Entitlements for Village & Urban Housing

  1. Build a house with a minimum amount of $10,000.00 either solely or jointly if there are multiple applicants applying for the same project.
  2. Extend or Renovate with a minimum amount of $5,000.00 either solely or jointly if there are multiple applicants applying for the same project.
  3. Quick Repairs with a maximum amount of $5,000.00. You may re-apply after a period of 3 years from the last payment date.
  4. You can access your General Account to purchase a land or dwelling house or extending, renovating, reducing or paying off a home loan by way of investment provided the property is registered under your name (for Urban Housing only).

Things to Know Before You Proceed

  1. You must have a sufficient General Account Balance.
  2. An early withdrawal will reduce your General Account balance and will also reduce your retirement funds when you reach the age of 55.
  3. Any Unaccounted Housing from January 2011 will disqualify you from any further Housing withdrawal until the previous application is cleared.

When can I access my Preserved Account?

  1. You may access your Preserved Account ONLY if it is your first housing application to purchase a vacant land (for urban housing only) or purchase an existing house or build a house.
  2. The maximum limit you can access is 21% of your Preserved Account balance.
  3. This would mean that the total amount that you withdraw would be 51% of your total balance (GA [30%] + PA [21%]).
  4. Your General Account will remain at Zero until the amount drawn from the Preserved Account is fully repaid OR 5 years has passed from the month you made the housing withdrawal.
  5. You can only use your Preserved Account once.

Housing Withdrawals Before 1st November, 2014

If you had made a housing withdrawal before the 1st November, 2014 with an amount less than $5,000.00, you may access your Preserve Account for purchasing a vacant land (for urban housing only) or purchasing a house or building a house.

Village OR Mataqali OR Community Trust Housing

Here are the options available for you as a member if you live in a village or Mataqali land or community trust or if you are thinking of starting out in one.

OptionsMin or Max Limit You Can Request
Build Your HomeMin. $10,000.00
Make Quick RepairsMax. $5,000.00
Extend Your HomeMax. $5,000.00
Renovate Your HomeMin. $5,000.00
Electrification InstallationDepending on Project Cost
Installation of Solar SystemDepending on Project Cost
Installation of Water TanksDepending on Project Cost

Option 1 – Build a Home

If you plan to build your home using only your FNPF money. You will need to submit the following details to us:

Quantity Surveyor Report or Civil Engineer’s Report

  • Report must be detailed.
  • Must show the scope of work, estimated cost up to completion stage.
  • This is only if the total cost of building your home is $30,000 or more.

Building Plan

  • Require engineer, architecture certified plans

One (1) quotation from General Contractors

  • Quotes must be from reputable registered contractors.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for Building Materials

  • Quotes must be from reputable hardware suppliers.
  • This is only if you are going to build your own home.

Evidence of your contribution.

  • This can be your bank statement OR
  • Receipts for materials already purchased OR
  • Photos showing materials onsite OR
  • Photos showing work in progress

One (1) quotation for labour

  • This is only if you are going to build your own home.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Village Housing Form

Option 2 – Make Quick Repairs

You may also use your General Account to make quick repairs to your home.
You will need to submit the following details:

#DocumentDescription
1Two (2) quotations for building materials• Quotes must be from reputable hardware suppliers
2One (1) quotation for labour• Your labour and transportation costs must not be more than 30% of the total cost of the repairs.
3Four (4) photographs• Showing the four sides of your home.
• Signed by the Turaga ni Koro if your home is within the village boundary OR
• Signed by the Head of the Landowning Unit if your home is to be in a Mataqali land OR
• Signed by the Head of Trustee if your home is to be in a community trust land.
4Bank Statement•A month old
•Bank Account should be under your name.
5FNPF 9V02 Form• Completed Form

You may also use your General Account to make quick repairs to your home.
You will need to submit the following information:

One (1) quotation for building materials

  • Quotes must be from reputable hardware suppliers

One (1) quotation for labour

  • Your labour and transportation costs must not be more than 30% of the total cost of the repairs.

Four (4) photographs

  • Showing the four sides of your home.
  • Signed and stamped by Turaga ni Koro and Assistance Roko or Roko of the Provincial Office.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Village Housing Form

Option 3 – Extend Your Home

Do you want to extend your home using your FNPF money?
You will need to submit the following details:

#DocumentDescription
1Extension Plan• Stamped by the Ministry of Provincial Development and National Disaster Management.
2Quantity Surveyor Report or Civil Engineer’s Report• Report must be detailed.
• Must show the scope of work, estimated cost, and completion stage.
• This is only if the total cost of building your home is more than $10,000.
3Two (2) quotations from General Contractors• Quotes must be from reputable registered contractors.
• Must show the breakdown of the project in stages with the cost of each stage.
4Two (2) quotations for building materials• This is only if you are going to extend your own home.
• Quotes must be from reputable hardware suppliers.
5Two (2) quotations for labour• This is only if you are going to extend your own home.
6Evidence of your contribution.• This can be your bank statement OR
• Receipts for materials already purchased OR
• Photos showing materials onsite OR
• Photos showing work in progress
7Four (4) photographs• Showing the four sides of your home.
• Must be signed by the Turaga ni Koro if your home is within the village boundary.
• Must be signed by the Head of the Landowning Unit if you home is to be in a Mataqali land.
• Must be signed by the Head of Trustee if your home is to be in a community trust land.
8Bank Statement• A month old
• Bank Account should be under your name.
7FNPF 9V02 Form• Completed Form
If you want to extend your home, you must provide us with the following details:

Quantity Surveyor Report or Civil Engineer’s Report

  • Report must be detailed.
  • Must show the scope of work and estimated cost up to completion stage.
  • This is only if the total cost of building your home is $30,000 or more.

Extension Plan

  • Require engineer, architecture certified plans.

.

Onw (1) quotation from General Contractors

  • Quotes must be from reputable registered contractors.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for building materials

  • This is only if you are going to extend your own home.
  • Quotes must be from reputable hardware suppliers.

Evidence of your contribution.

  • This can be your bank statement OR
  • Receipts for materials already purchased OR
  • Photos showing materials onsite OR
  • Photos showing work in progress

One (1) quotation for labour

  • This is only if you are going to extend your own home.

Four (4) photographs

  • Showing the four sides of your home.
  • Signed and stamped by Turaga ni Koro and Assistance Roko or Roko of the Provincial Office.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Village Housing Form

Option 4 – Renovate Your Home

Do you plan to renovate your home using your FNPF money?

You will need to provide us with the following details:

#DocumentDescription
1Quantity Surveyor Report or Civil Engineer’s Report• Report must be detailed.
• Must show the scope of work, estimated cost, and completion stage.
• This is only if the total cost of building your home is more than $10,000.
2Two (2) quotations from General Contractors• Quotes must be from reputable registered contractors.
• Must show the breakdown of the project in stages with the cost of each stage.
3Two (2) quotations for building materials• This is only if you are going to do the renovation.
• Quotes must be from reputable hardware suppliers.
4Two (2) quotations for labour• This is only if you are going to do the renovation.
5Evidence of your contribution.• This can be your bank statement OR
• Receipts for materials already purchased OR
• Photos showing materials onsite OR
• Photos showing work in progress
6Four (4) photographs• Showing the four sides of your home.
• Must be signed by the Turaga ni Koro if your home is within the village boundary OR
• Must be signed by the Head of the Landowning Unit if you home is to be in a Mataqali land OR
• Must be signed by the Head of Trustee if your home is to be in a community trust land.
7Bank Statement• Bank statement must be a month old.
• Bank Account should be under your name.
8FNPF 9V02 Form• Completed Form
If you want to renovate your home and use your FNPF money, you will need to provide us with the following details:

Quantity Surveyor Report or Civil Engineer’s Report

  • Report must be detailed.
  • Must show the scope of work and estimated cost up to completion stage.
  • This is only if the total cost of building your home is $30,000 or more.

One (1) quotation from General Contractors

  • Quotes must be from reputable registered contractors.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for building materials

  • This is only if you are going to do the renovation.
  • Quotes must be from reputable hardware suppliers.

One (1) quotations for labour

  • This is only if you are going to do the renovation.

Evidence of your contribution.

  • This can be your bank statement OR
  • Receipts for materials already purchased OR
  • Photos showing materials onsite OR
  • Photos showing work in progress

Four (4) photographs

  • Showing the four sides of your home.
  • Signed and stamped by Turaga ni Koro and Assistance Roko or Roko of the Provincial Office.

Bank Statement

  • Bank statement must be a month old.
  • Bank Account should be under your name.
Village Housing Form

Option 5 – Electrification Installation.

Do you plan to wire your house for electricity using your FNPF money?
You must be a legal owner of the property and you will need to provide us with the following details:

#DocumentDescription
1Permit• Approved by FEA
2Two (2) quotations from Electrical Contractors• Quotes must be from registered Electricians.
• Must show the breakdown of the project in stages with the cost of each stage.
3Two (2) quotations of materials• Must be from different hardware/electrical suppliers.
4Bank Statement• A month old
• Bank Account should be under your name.
5FNPF 9V02 Form• Completed Form
If you would like to withdraw funds from your FNPF account to get electrical installation done at your home then you must be the legal owner of the property and provide the following details:

One (1) quotation from Electrical Contractor

  • Quote must be from registered Electrician.
  • Must show the breakdown of the project in stages with the cost of each stage.

Permit

  • Approved by FEA

Four (4) photographs

  • Showing the four sides of your home.
  • Signed and stamped by Turaga ni Koro and Assistance Roko or Roko of the Provincial Office.

One (1) quotation of materials

  • Must be from different hardware/electrical suppliers.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Village Housing Form

Option 6 – Installation of Solar System

Do you plan to install a Solar System using your FNPF money?
You must be the legal owner of the property and you will need to provide us with the following details:

#DocumentDescription
1Two (2) quotations from Electrical Contractors• Quotes must be from registered Electricians
• Must show the breakdown of the project in stages with the cost of each stage.
2Two (2) quotations of solar system.• If applicable.
3Bank Statement• A month old
• Bank Account should be under your name.
4FNPF 9V02 Form• Completed Form

Do you plan to install a Solar System using your FNPF money?
You must be the legal owner of the property and you will need to provide the following details:

One (1) quotation from Electrical Contractor

  • Quotes must be from registered Electricians.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation of solar system

  • If applicable.

Four (4) photographs

  • Showing the four sides of your home.
  • Signed and stamped by Turaga ni Koro and Assistance Roko or Roko of the Provincial Office.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Village Housing Form

Option 7 – Installation of Water Tanks

Do you plan to install a water tank on your property using your FNPF money?
You must be the legal owner of the property and you will need to provide us with the following details:

#DocumentDescription
1Two (2) quotations for Water Tank• The quotes have to be from reputable hardware suppliers.
• The quotes can include installation costs.
2Two (2) quotations of Installation• If the installation is done separately.
3Four (4) photographs• Showing the four sides of your home.
• Have to be signed by the Turaga ni Koro if your home is within the village boundary OR
• Have to be signed by the Head of the Landowning Unit if you home is to be in a Mataqali land OR
• Have to be signed by the Head of Trustee if your home is to be in a community trust land.
4Bank Statement• A month old
• Bank Account should be under your name.
5FNPF 9V02 Form• Completed Form
If you are planning to install a water tank at your home with your FNPF funds then you must be the legal owner of the property and provide the following details:

One (1) quotation for Water Tank

  • The quote must be from reputable hardware suppliers.
  • The quote can include installation costs.

One (1) quotation for Installation

  • If the installation is done separately.

Four (4) photographs

  • Showing the four sides of your home.
  • Signed and stamped by Turaga ni Koro and Assistance Roko or Roko of the Provincial Office.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Village Housing Form

Urban Housing

Here are the options available for you as a member if you live in within a town or city or if you are thinking of starting out in one.

OptionsMin or Max Limit You Can Request
Buying Your PropertyDepending on Eligibility
Buying Land from TLTBDepending on Eligibility
Buying Land from Lands Dept.Depending on Eligibility
Paying Survey FeesCost of Surveying Fees
Reduce Your Home LoanMin. 15% of outstanding loan amount
Pay Off Your Home LoanDepending on Eligibility
Make Quick RepairsMax. $5,000.00
Build Your Home (Partly Financed)Depending on Eligibility
Build Your Home (Fully Financed by FNPF)Min. $10,000.00
Extend Your HomeMin. $5,000.00
Renovate Your HomeMin. $5,000.00
Electrification InstallationDepending on Project Cost
Installation of Solar SystemDepending on Project Cost
Installation of Water TanksDepending on Project Cost
DischargeNot Applicable

Option 1 – Buying a Property - You will become legal owner of this property

Thinking of buying your dream home or your very own piece of land?
Here is what you need before you visit our office:

Title (Copy)

  •  A month old showing the latest transactions.
  •  Signed and stamped by the Registrar of Titles

Valuation Report

  • Report was done in the last 5 years.

Valid Consent

  • Consent for HASL, Methodist Lease and iTaukei Land

Sales and Purchase Agreement witnessed by a Solicitor

Building Plan

  • Copy of plan approved by local authority

Copy of Signed Offer Letters for All Lending

  • If you are also taking a loan from any of our panel of Lenders.

Receipts

  • Receipts showing payment of balance to the Vendor or Solicitor.
Urban Housing Form

Thinking of buying your dream home or your very own piece of land?
Here is what you need before you visit your nearest FNPF office:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Valuation Report• Report was done in the last 5 years.
• Report was prepared by any of our panel of Valuers
3Sales and Purchase Agreement or Sale Note (Copy)
4Building Plan (Draft)You will have to give us a copy of the plan when it is approved.
5Lender’s Offer (Signed Copy)If you are also taking a loan from any of our panel of Lenders.
6Bank StatementThis is only needed if you are choosing to use only your FNPF money and not borrow from any of our panel of Lenders and your FNPF money is not sufficient to buy the property.
7FNPF 9U01 Form•Completed Form

Option 2 – Buying Land from the iTaukei Lands Trust Board (TLTB) - You will become legal owner of this property

Do you plan to buy a piece of land from the TLTB?
You will need to provide us with the following details:

#DocumentDescription
1iTaukei Lease• Stamped copy of the document
2Offer Letter• Showing the breakdown of fees
3Statement of Account• If there is money left to be paid on your TLTB account.
4FNPF 9V02 Form• Completed Form

If you plan to buy a piece of land from the TLTB using your FNPF funds then you will need to provide the following documents:

iTaukei Lease

  • Stamped copy of the document

Offer Letter

  • Showing the breakdown of fees

Statement of Account

  • If there is money left to be paid on your TLTB account
Urban Housing Form

Option 3 – Buying Land from the Lands Department - You will become legal owner of this property

Do you plan to buy a piece of land from the Lands Department?
You will need to provide us with the following details:

#DocumentDescription
1Crown Lease• Unregistered
2Offer Letter• Showing the breakdown of fees
3Statement of Account• If there is money left to be paid on your Lands Dept. account.
4FNPF 9U01 Form• Completed Form
If you plan to buy a piece of land from the Lands Department using your FNPF funds, then you will need to provide the following documents:

Crown Lease

  • Unregistered

Offer Letter

  • Showing the breakdown of fees

Statement of Account

  • If there is money left to be paid on your Lands Dept. account.
Urban Housing Form

Option 4 – Paying Survey Fees - You are legal owner of this property

Do you plan to pay for your land survey fees using your FNPF money?

You will need to provide us with the following details

#DocumentDescription
1Two (2) Surveyor Quotes• The quotes must be from registered surveyors.
• The quotes must show the breakdown of work with the associated cost.
2Approved Survey Instruction Form• Copy only
8FNPF 9U01 Form• Completed Form

If you would like to pay the land survey fees using your FNPF funds then you will need to provide the following documents:

One (1) Surveyor Quotes

  • The quotes must be from registered surveyors.
  • The quotes must show the breakdown of work with the associated cost.

Approved Survey Instruction Form

Copy only

Bank Statement

  • A month old.
  • Bank Account should be under your name.

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles.
Urban Housing Form

Option 5 – Reduce Home Loan

Do you plan to reduce your home loan with an FNPF Approved Lender?
You will need to provide us with the following details:
• You must have enough money in your General Account to pay off a minimum of 15% of your current loan amount.
• FNPF reserves the right to consider an application on its own merit to avoid mortgagee sale or cases already under mortgagee sale.
• You are the legal owner of the property.
Documents that you need to submit:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Acceptance Letter• Signed by you and the lender
3Statement of Account• Your housing loan account
4FNPF 9V02 Form• Completed Form

Additional documents that may be required by us for Mortgagee Sale Cases Only include:

#DocumentDescription
1Letter of Confirmation from Lender• To confirm that you and the lender have made a satisfactory arrangement on the continuation of loan repayments.
2Letter of Confirmation on Withdrawal of Default Notice• Confirmation from the Lender that they have taken back the default notice.
3Default Notice• Copy
• Or copy of mortgagee sale advertisement

Do you plan to reduce your home loan with an FNPF Approved Lender?
You will need to provide us with the following details:

  • You must have enough money in your General Account to pay off a minimum of 15% of your current loan amount.
  • FNPF reserves the right to consider an application on its own merit to avoid mortgagee sale or cases already under mortgagee sale.
  • You are the legal owner of the property.

Documents that you need to submit:

Title (Copy)

  •  A month old showing the latest transactions.
  •  Signed and stamped by the Registrar of Titles.

Copy of Signed Offer Letters for All Lending

Statement of Account

  • Your housing loan account
Urban Housing Form
Additional documents that may be required by us for Mortgagee Sale Cases Only include:

Letter of Confirmation from Lender

  • To confirm that you and the lender have made a satisfactory arrangement on the continuation of loan repayments.

Letter of Confirmation on Withdrawal of Default Notice

  • Confirmation from the Lender that they have taken back the default notice.

Default Notice

  • Copy
  • Or copy of mortgagee sale advertisement

Option 6 – Pay off Home Loan

If you would like to pay off your home loan using your FNPF funds, then you can do so provided that:
  • You have enough money in your General Account to pay off your current loan amount. FNPF reserves the right to consider an application on its own merit to avoid mortgagee sale or cases already under mortgagee sale.
  • You are the legal owner of the property.

You will be required to submit the following documents:

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles

Copy of Signed Offer Letters for All Lending

Letter of Settlement Figure

  • The letter must show the breakdown of the housing and non-housing loan.
Urban Housing Form

Option 7 – Make Quick Repairs - You are legal owner of this property

You may also use your General Account to make quick repairs to your house.
However, you must be the legal owner of the property and you will need to provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Two (2) quotations for building materials• Quotes have to be from reputable hardware suppliers
3One (1) quotation for labour
4Four (4) photographs• Showing the four sides of your home.
4Bank Statement• A month old
• Bank Account should be under your name.
5FNPF 9U01 Form• Completed Form

You can access your General Account funds if you would like to make quick repairs to your house however, you must be the legal owner of the house.

You are required to submit the following documents:

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles.

One (1) quotation for building materials

Quotes have to be from reputable hardware suppliers.

Four (4) photographs

  • Showing the four sides of your home and areas to repair.

One (1) quotation for labour

Bank Statement

  •  A month old.
  • Bank Account should be under your name.
Urban Housing Form

Option 8 – Build A Home (Partly Financed) - You are legal owner of this property

Do you plan to build your home by taking a loan from an FNPF Approved Lender and want to also use your FNPF money?
You will need to provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Building Plan• Approved by the relevant local authority
3Acceptance Letter• Signed by you and the lender
4FNPF 9U01 Form• Completed Form
If you would like to take a loan from an FNPF Approved Lender and also withdraw funds from your FNPF account to build your home, then you are required to provide the following documents:

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles

Copy of Signed Offer Letters for All Lending

Urban Housing Form

Option 9 – Build a Home (Fully Financed by FNPF) - You are legal owner of this property

Do you plan to build your home using only your FNPF money?
You will need to provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Building Plan• Approved by the relevant local authority
3Quantity Surveyor Report or Civil Engineer’s Report• Report must be detailed.
• Must show the scope of work, estimated cost, and completion stage.
• This is only if the total cost of building your home is more than $10,000.
4Two (2) quotations from General Contractors• Quotes must be from reputable registered contractors.
• Must show the breakdown of the project in stages with the cost of each stage.
5Two (2) quotations for building materials• Quotes must be from reputable hardware suppliers.
• This is only if you are going to build your own home.
6Two (2) quotations for labour• This is only if you are going to build your own home.
7Evidence of your contribution.• This can be your bank statement OR
• Receipts for materials already purchased OR
• Photos showing materials onsite OR
• Photos showing work in progress
8Bank Statement• A month old
• Bank Account should be under your name.
9FNPF 9U01 Form• Completed Form
If you would like to build your home using your FNPF funds only then, you are required to submit the following documents:

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles

Building Plan

  • Copy of plan approved by local authority.

Quantity Surveyor Report or Civil Engineer’s Report

  • Report must be detailed.
  • Must show the scope of work, estimated cost, and completion stage.
  • This is only if the total cost of building your home is more than $30,000.

One (1) quotation from General Contractors

  • Quote must be from reputable registered contractors.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for building materials

  • Quote must be from reputable hardware suppliers.
  • This is only if you are going to build your own home.

One (1) quotation for labour

  • This is only if you are going to build your own home.

Evidence of your contribution.

  • This can be your bank statement OR
  • Receipts for materials already purchased OR
  • Photos showing materials onsite OR
  • Photos showing work in progress

Four (4) photographs

  • Showing 4 angles of building site clearly showing surrounding

Bank Statement

  • A month old.
  • Bank Account should be under your name.
Urban Housing Form

Option 10 – Extend Your Home - You are legal owner of this property

Do you want to extend your home using your FNPF money?
You must provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Extension Plan• Approved by the relevant local authority
3Quantity Surveyor Report or Civil Engineer’s Report• Report has to be detailed.
• Must show the scope of work, estimated cost and completion stage.
• This is only if the total cost of building your home is more than $10,000.
4Two (2) quotations from General Contractors• Quotes must be from reputable registered contractors.
• Must show the breakdown of the project in stages with the cost of each stage.
5Two (2) quotations for building materials• This is only if you are going to build your own home.
• Quotes must be from reputable hardware suppliers.
6Two (2) quotations for labour• This is only if you are going to build your own home.
7Evidence of your contribution.• This can be your bank statement OR
• Receipts for materials already purchased OR
• Photos showing materials onsite OR
• Photos showing work in progress
8Four (4) photographs• Showing the four sides of your home.
9Bank Statement• A month old
• Bank Account should be under your name.
10FNPF 9U01 Form• Completed Form
If you would like to extend your home using your FNPF funds then you are required to provide the following documents:

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles

Extension Plan

  • Copy of plan approved by local authority.

Quantity Surveyor Report or Civil Engineer’s Report

  • Report has to be detailed.
  • Must show the scope of work, estimated cost and completion stage.
  • This is only if the total cost of building your home is more than $30,000

One (1) quotation from General Contractors

  • Quote must be from reputable registered contractors.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for building materials

  • This is only if you are going to build your own home.
  • Quotes must be from reputable hardware suppliers.

One (1) quotation for labour

  • This is only if you are going to build your own home.

Evidence of your contribution.

  • This can be your bank statement OR
  • Receipts for materials already purchased OR
  • Photos showing materials onsite OR
  • Photos showing work in progress

Four (4) photographs

  • Showing the four sides of your home and where you would like to extend

Bank Statement

  • A month old.
  • Bank Account should be under your name.
Urban Housing Form

Option 11 – Renovate Your Home - You are legal owner of this property

If you want to renovate your home using your FNPF money, you will need to provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Quantity Surveyor Report or Civil Engineer’s Report• Report has to be detailed.
• Must show the scope of work, estimated cost and completion stage.
• This is only if the total cost of building your home is more than $10,000.
3Two (2) quotations from General Contractors• Quotes must be from reputable registered contractors.
• Must show the breakdown of the project in stages with the cost of each stage.
4Two (2) quotations for building materials• This is only if you are going to build your own home.
• Quotes must be from reputable hardware suppliers.
5Two (2) quotations for labour• This is only if you are going to build your own home.
6Evidence of your contribution.• This can be your bank statement OR
• Receipts for materials already purchased OR
• Photos showing materials onsite OR
• Photos showing work in progress
7Four (4) photographs• Showing the four sides of your home.
8Bank Statement• A month old
• Bank Account should be under your name.
9FNPF 9U01 Form• Completed Form
If you would like to renovate your home using your FNPF funds then you are required to provide the following documents:

Quantity Surveyor Report or Civil Engineer’s Report

  • Report has to be detailed.
  • Must show the scope of work, estimated cost and completion stage.
  • This is only if the total cost of building your home is more than $30,000.

Title (Copy)

  • A month old showing the latest transactions.
  •  Signed and stamped by the Registrar of Titles.

One (1) quotation from General Contractors

  • Quotes must be from reputable registered contractors.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for building materials

  • This is only if you are going to renovate your own home.
  • Quotes must be from reputable hardware suppliers.

Evidence of your contribution.

  • This can be your bank statement OR
  • Receipts for materials already purchased OR
  • Photos showing materials onsite OR
  • Photos showing work in progress

One (1) quotation for labour

  • This is only if you are going to renovate your own home.

Four (4) photographs

  • Showing the four sides of your home and where you will be renovating.

Bank Statement

  • A month old
  • Bank Account should be under your name.
Urban Housing Form

Option 12 – Electrification Installation - You are legal owner of this property

Do you plan to wire your house for electricity using your FNPF money?
You must be a legal owner of the property and give us the following information:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Permit• Approved by FEA
3Two (2) quotations from General Contractors• Quotes have to be from registered Electricians
• Must show the breakdown of the project in stages with the cost of each stage.
4Two (2) quotations for building materials• Must be from different hardware/electrical suppliers.
5Bank Statement• A month old
• Bank Account should be under your name.
6FNPF 9U01 Form• Completed Form
If you would like to get electrical wiring or installation done at your home using your FNPF funds then you are required to provide the following documents:

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles

Permit

  • Approved by EFL

One (1) quotation from Electrical Contractors

  • Quote must be from registered Electricians.
  • Must show the breakdown of the project in stages with the cost of each stage.

One (1) quotation for building materials

  • Must be from different hardware/electrical suppliers.

Four (4) photographs

  • Showing the four sides of your home and where work will be done.

Bank Statement

  • A month old.
  • Bank Account should be under your name.
Urban Housing Form

Option 13 – Installation of Solar System - You are legal owner of this property

Do you plan to install a Solar System using your FNPF money?
You must be the legal owner of the title or lease property and you will need to provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Two (2) quotations from Electrical Contractors• Quotes must be from registered Electricians
• Must show the breakdown of the project in stages with the cost of each stage.
3Two (2) quotations of solar system.• If applicable.
4Bank Statement• A month old
• Bank Account should be under your name.
5FNPF 9U01 Form• Completed Form
If you would like to install a Solar System at your home using your FNPF funds then you are required to provide the following documents:

One (1) quotation from Electrical Contractors

  • Quotes must be from registered Electricians.
  • Must show the breakdown of the project in stages with the cost of each stage.

Title (Copy)

  • A month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles.

Four (4) photographs

  • Showing the four sides of your home and where work will be done

One (1) quotation of solar system

  • If applicable.

Bank Statement

  • A month old.
  • Bank Account should be under your name.
Urban Housing Form

Option 14 – Installation of Water Tanks - You are legal owner of this property

Do you plan to install a water tank on your property using your FNPF money?
You must be the legal owner of the property and you will need to provide us with the following details:

#DocumentDescription
1Title (Copy)• A month old showing the latest transactions.
• Signed and stamped by the Registrar of Titles
2Two (2) quotations for Water Tank• The quotes must be from reputable hardware suppliers.
• The quotes can include installation costs.
3Two (2) quotations of Installation• If the installation is done separately.
4Four (4) photographs• Showing the four sides of your home.
5Bank Statement• A month old
• Bank Account should be under your name.
6FNPF 9U01 Form• Completed Form

Discharge
The title of your property is held in the FNPF’s custody and has to be released by us, we will need the following details from you:

#DocumentDescription
1Letter from Solicitor OR from the Lender• If you have engaged a solicitor or a lender to act on your behalf.
2Title (Copy)• The copy must be a month old showing the latest transactions.
• Must be certified by the Registrar of Titles.
3Charge Search• To show the current charges registered on the property.
6Discharge Form• Completed Form
If you would like to install a water tank at your home using your FNPF funds then you are required to provide the following documents:

Title (Copy)

  • The copy has to be a month old showing the latest transactions.
  • Signed and stamped by the Registrar of Titles.

One (1) quotation for Water Tank

  • The quotes must be from reputable hardware suppliers.
  • The quote can include installation costs.

One (1) quotation of Installation

  •  If the installation is done separately.

Four (4) photographs

  • Showing the four sides of your home and where work will be done

Bank Statement

  • A month old.
  • Bank Account should be under your name.
Urban Housing Form

Settlement

To settle purchase applications, you will need to provide the following documents:

Title (Copy)

  • The copy has to be a month old showing the latest transactions.
  • Has to be certified by the Registrar of Titles.

Interim Certificate

  • If you have engaged a solicitor or a lender to act on your behalf.

Capital Gain Certificate

  • Clearance from FRCS for both vendor and buyer.

Stamped transfer Documents

Discharge

If the title of your property is held in FNPF custody and has to be released by us then you are required to provide the following documents:

Title (Copy)

  • The copy has to be a month old showing the latest transactions.
  • Has to be certified by the Registrar of Titles.

Letter from Solicitor OR from the Lender

  • If you have engaged a solicitor or a lender to act on your behalf.

Charge Search

  • To show the current charges registered on the property.

Identification card

  • Require ID of the applicant.

Authority letter

  • An authority letter from any FNPF withdrawing Member who is not present during lodgement.
Discharge Form

FNPF Approved Lenders

  1. ANZ Banking Group Ltd
  2. Bank of Baroda
  3. Bred Bank(Fiji)Limited
  4. Bank of South Pacific
  1. Fiji Development Bank
  2. Fiji Teachers’ Union – CTCS
  3. Housing Authority
  4. Home Finance Company Bank
  1. Mataivalu Savings Credit Union
  2. Reserve Bank of Fiji
  3. Westpac Banking Corporation
  4. Sugar Cane Growers Fund