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Personal Banking > Loans > Property & Personal Loans - UOB iNTELLIGENT Home Loan


UOB iNTELLIGENT Home Loan
Structured financial solutions



A home loan that is flexible enough to accommodate all your financial needs.


  • Greater control of your personal finances with 2 NEW repayment methods besides standard principal + interest servicing.

  • Graduated Payment. You can pay low monthly installments, which will gradually rise to match your projected increase income.


  • Interest Servicing. You can service interest only for the first 2 years and then start paying the principal + interest installments.

  • Flexible Repayments. You can pay at your convenience and choose to make monthly, fortnightly, weekly or daily repayments.


  • Open Prepayments. You can pay more than your monthly installment for bigger savings on interest.


  • Redraw Facility. You can withdraw surplus cash from your prepaid amount, anytime you want, for emergencies or any other reason.


  • Payment Holiday. You can forgo your monthly repayment during emergencies, festive seasons or any other occasions. Your repayment will be deducted from your redraw facility.


  • Lower Repayments. You can enjoy lower repayments to better manage your finances by selecting a longer loan term of maximum 40 years or age 70. (*Terms & Conditions apply).


  • Higher Margin of Finance to finance MRTA. You can secure up to 95% financing: inclusive of MRTA, which ensures your loved ones' well being in the event of total permanent disability or loss of life.


  • All-inclusive service. You can request for us to handle everything, from application submission to delivering the documents to your doorstep.

How do I apply?

  • Visit any UOBM branch nearest to you.

Where can I get more information?

    More Information

    • Call our 24-hour UOB 121 Phone Banking at:

      Kuala Lumpur(6) 03-26128 121
      Penang(6) 04-2401 121
      Johor Bahru(6) 07-2881 121
      Kuching(6) 082-287 121
      Kota Kinabalu(6) 088-477 121

    • Email us




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