UOB

UOB Flexi Mortgage Home Loan

A two-in-one home loan that offers you full flexibility to repay your loan capital easily and conveniently

    • Up to 35 years
    • Flexi loan
    • Floating Interest Rate
    • 0 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Interest Rate
    more than RM5000004.61% p.a.

    *Effective interest rate will be determined by UOB upon approval.

Apply online now for UOB Flexi Mortgage Home Loan

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Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
RM212.00
Monthly Fee
RM10.60
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • Fire Insurance
  • MRTA

*inclusive of 6% GST

Requirements

Are you eligible for this UOB home loan?

Minimum annual income
RM24000
Minimum age
21 years old
Maximum age
70 years old
Who can Apply
  • Any nationality

Frequently Asked Questions about UOB Flexi Mortgage Home Loan

Things you might want to know

Tell me about the UOB Flexi Mortgage Home Loan?

UOB Flexi Mortgage Home Loan is a fully flexible loan with a floating interest rate. You can pay more than your regular loan installment as and when you have the extra cash, but this will not directly decrease your loan principal.

Instead, UOB will open an interest earning current account to complement your home loan. What you owe on your mortgage will be reflected in the loan account and what you deposit in excess will be placed in the current account. The interest you earn on the current account is exactly the sane as the interest that you pay on the loan account. Quite clever.

Use this feature wisely and you might end up paying a whole lot less interest on your loan.

Your loan principal will be converted into an overdraft line once the outstanding amount reaches 70% of your property value which will stop earning you interest, so it would be best to hold off withdrawing too much from that current account.

Can I withdraw the cash in the current account?

Of course. You will be given a cheque book or you can opt for an ATM card to withdraw the cash conveniently for free!

Do I need a insurance?

A Fire Insurance policy is compulsory. MRTA is optional, but recommended.

Can a foreigner apply?

Yes, You must have a valid working visa with at least a year left to run. Max. margin of financing for you will be 80% of the property value.

What documents do I need to apply for this home loan?

Complete the application form
A copy of SPA / Booking Receipts / Letter or Offer from Developer

Salaried applicant:

Copy of MyKad (front and back)
Latest months’ salary slips and bank statement
Latest EA From or EPF statement

Self-employed applicant:

Copy of MyKad (front and back)
Business Registration Certificate – Form 9, Form 24 and Form 49
Audited balance sheet and Profit and Loss
Last 6 months bank statements
Latest year Form BE

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