UOB Flexi Mortgage Home Loan

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

UOB Flexi Mortgage Home Loan
Up to 35 years
Interest Rate
from 4.63% p.a.
Loan type
Flexi loan
Interest Type
Floating interest rate
Margin of finance
up to 90%
Approval in
30 days

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
more than RM500,0004.63% p.a.
*Effective interest rate will be determined by UOB upon approval.


Minimum Annual Income
Minimum Age
  • 21 to 70 years old
Who can apply
  • Malaysians
  • Foreigners

Fees & Charges

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
Monthly Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Insurance Types
  • Fire Insurance
  • MRTA

More Information

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 instalment 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 same 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 from 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 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 and the 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/Letters or Offers from the Developer

Salaried applicant:

  • Copy of IC (front and back)
  • Latest months' salary slips and bank statement
  • Latest EA Form or EPF statement

Self-employed applicant:

  • Copy of IC (front and back)
  • Business Registration Certificate - Form 9/24/49
  • Audited balance sheet and Profit and Loss
  • Last 6 months' bank statement
  • Latest Form BE
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