UOB Malaysia
Intelligent Retail Loan (iRL)
UOB Malaysia Intelligent Retail Loan (iRL) is a conventional semi flexi home loan, from 4.36% (SBR + 1.61% PDS illustration, Dec 2025), up to 85% margin, 30-year tenure.
- Type
- Conventional loan
- Flexibility
- Semi flexi
- Rate
- 4.36%
- Rate basis
- SBR + 1.61% (PDS illustration, Dec 2025)
- Max margin
- 85%
- Max tenure
- 30 years
- Lock-in
- Not stated
Key features
- Redraw prepaid surplus any time
- Monthly, fortnightly, weekly or daily repayments
- Daily rest
- Minimum RM100,000
- Open to foreigners and SPV directors
Example monthly instalment
At 4.36% on a RM 450,000 loan over 30 years:
RM 2,243 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| OCBC MalaysiaCommercial Property Loan (individuals)ConventionalSemi flexi | 4.25%SBR + 1.50% (PDS illustration, Jan 2026) | — | 85% |
| CIMBBusiness Premises LoanConventionalTerm (non-flexi) | 4.30%BLR − 2.30% (PDS illustration, Jul 2026) | 3 yrs | — |
| Public BankSWIFT PlanConventional | 4.30%SBR + 1.55% (PDS illustration, 2026) | None | — |
| BSNCommercial Property (Hartanah Komersial)ConventionalTerm (non-flexi) | 4.75%SBR + 2.00% (RM100k+, PDS Jul 2025) | — | 85% |
| CIMBSME Biz PropertyConventionalTerm (non-flexi) | 6.60%BLR-pegged (PDS illustration at BLR 6.60%, Jan 2026) | 3 yrs | 90% |
OCBC Malaysia
Commercial Property Loan (individuals)4.25%
ConventionalSemi flexi· Lock-in — · Margin 85%
4.30%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin —
Public Bank
SWIFT Plan4.30%
Conventional· Lock-in None · Margin —
ConventionalTerm (non-flexi)· Lock-in — · Margin 85%
CIMB
SME Biz Property6.60%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin 90%
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 21 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.