UOB Malaysia home loans
UOB Malaysia offers 4 home loan and financing packages on EstateBuds (3 conventional, 1 Islamic). Options include full flexi, semi flexi structures. New floating-rate packages are priced on its SBR of 2.75% plus a spread. Its lowest published rate is 4.36% (Flexi Mortgage).
Conventional home loans
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| UOB MalaysiaFlexi MortgageConventionalFull flexi | 4.36%SBR + 1.61% (PDS illustration) | — | 95% |
| UOB MalaysiaHome Loan for First-Time House BuyersConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | 5 yrs | — |
| UOB MalaysiaIntelligent Home LoanConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | — | 95% |
UOB Malaysia
Flexi Mortgage4.36%
ConventionalFull flexi· Lock-in — · Margin 95%
UOB Malaysia
Home Loan for First-Time House Buyers4.36%
ConventionalSemi flexi· Lock-in 5 yrs · Margin —
UOB Malaysia
Intelligent Home Loan4.36%
ConventionalSemi flexi· Lock-in — · Margin 95%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Islamic home financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| UOB MalaysiaHome Financing-iIslamicSemi flexi | 4.36%SIBR + 1.61% (PDS illustration); ceiling-capped | — | 95% |
UOB Malaysia
Home Financing-i4.36%
IslamicSemi flexi· Lock-in — · Margin 95%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Land, commercial and industrial financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| UOB MalaysiaIntelligent Retail Loan (iRL)ConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration, Dec 2025) | — | 85% |
| UOB MalaysiaBizPropertyConventionalSemi flexi | On requestRate on request | — | 90% |
| UOB MalaysiaBizProperty PlusConventionalFull flexi | On requestRate on request | None | 90% |
| UOB MalaysiaBusiness Term Financing-iIslamicTerm (non-flexi) | On requestRate on request | — | 100% |
UOB Malaysia
Intelligent Retail Loan (iRL)4.36%
ConventionalSemi flexi· Lock-in — · Margin 85%
UOB Malaysia
BizPropertyOn request
ConventionalSemi flexi· Lock-in — · Margin 90%
UOB Malaysia
BizProperty PlusOn request
ConventionalFull flexi· Lock-in None · Margin 90%
UOB Malaysia
Business Term Financing-iOn request
IslamicTerm (non-flexi)· Lock-in — · Margin 100%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 22 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.
Questions people ask
What is the UOB Malaysia home loan interest rate?
UOB Malaysia publishes 4.36% for Flexi Mortgage; 4.36% for Home Financing-i; 4.36% for Home Loan for First-Time House Buyers; 4.36% for Intelligent Home Loan. These are the bank’s own examples; your rate is set on approval.
Does UOB Malaysia offer Islamic home financing?
Yes: Home Financing-i (Tawarruq).
Does UOB Malaysia have a full flexi home loan?
Yes: Flexi Mortgage.