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

    • Up to 35 years
    • Semi-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 RM1000004.47% p.a.

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

Apply online now for UOB iNTELLIGENT 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
Withdrawal Fee
RM53.00 for each withdrawal
Processing Fee
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


Are you eligible for this UOB home loan?

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

Frequently Asked Questions about UOB iNTELLIGENT Home Loan

Things you might want to know

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 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 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 / 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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