A semi-flexible home loan that offers fortnightly repayments so that you can own your property faster.

Up to 35 years
Interest Rate
from 4.49% p.a.
Loan type
Semi-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 RM100,0004.49% 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
Withdrawal Fee
Processing 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

What do I need to know about UOB iNTELLIGENT Home Loan?

This semi-flexible home loan from UOB links your mortgage to a savings account. 

You can overpay your monthly payments to create a buffer and withdraw cash when from your savings and loan account when you need extra funds. Once you're ahead with your payments you can even request a payment holiday during festival season, or an emergency, the normal monthly payment will be deducted from your redraw facility.

One clever feature of this loan compared to others on the market is that you have the power to choose the frequency of your payments, be that monthly, fortnightly or even quarterly.

Can I bank in any extra cash in order to decrease my loan principal?

Why would any bank not want to accept extra money from you? 

Yes, you can bank in extra cash anytime, however, the extra surplus of cash will not be used to decrease your loan principal. It’s basically parked cosily in the bank as savings and happily earns interest on your behalf.

If you want to reduce your loan principal, you can pay money into the housing loan account. You'll need to state your intentions to the bank when you make those payments or transfers.

Can I still withdraw the cash if I have a cash surplus?

Yes, you can. But take note, because when you withdraw, you've got to withdraw big. The minimum amount is RM2000, and any additional amount on top of that must be in multiples of thousands.

How "intelligent" is this home loan, really?

If you want a loan that gives you the quickest way to reduce your loan principal by repaying more, then you can choose to pay fortnightly (every 2 weeks). 

You will be paying 26 times per year, which also means you pay off your mortgage 2 times faster!

Can a foreigner apply?

Yes, however, you must have a valid working visa of more than one year and your maximum margin of financing will be 80% of the property value.

Do I need to buy any insurance?

A Fire Insurance policy is compulsory. MRTA is optional but you can include this premium in your loan to help reduce the cash paid upfront for your mortgage.

What 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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