{"id":12321,"date":"2023-02-07T13:04:07","date_gmt":"2023-02-07T05:04:07","guid":{"rendered":"https:\/\/loanpanda.com.my\/test\/?page_id=12321"},"modified":"2023-03-10T18:06:06","modified_gmt":"2023-03-10T10:06:06","slug":"uob-malaysia-intelligent-home-loan","status":"publish","type":"page","link":"https:\/\/loanpanda.com.my\/test\/home-loan\/uob\/uob-malaysia-intelligent-home-loan\/","title":{"rendered":"UOB Malaysia Intelligent Home Loan"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section][vc_row el_id=&#8221;mobile-single-product-header&#8221; css=&#8221;.vc_custom_1672297943173{margin-bottom: 10px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-8&#8243;][vc_column_text]<\/p>\n<h2 class=\"\" style=\"color: #602744; font-size: 16px; line-height: 24px; font-family: Noto Sans; font-weight: bold; font-style: normal;\">UOB Malaysia Intelligent Home Loan<\/h2>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-4&#8243; el_id=&#8221;mobile-apply-button-column&#8221;]\n    <div class=\"text-center\">        <a class=\"btn btn-sm btn-custom btn-rounded \" href=\"https:\/\/loanpanda.com.my\/mortgage-loan-application\/?product_id=8465&#038;bank=UOB&#038;product_name=UOB%20Malaysia%20Intelligent%20Home%20Loan&#038;interest_rate=3.36&#038;min_borrow=50000&#038;max_borrow=10000000&#038;min_tenure=1&#038;max_tenure=35\" style=\"background-color:#ff5959;color:#ffffff;\">Apply Now<\/a>\n    <\/div>\n    [\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1672378288226{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column width=&#8221;4\/12&#8243; css=&#8221;.vc_custom_1660298940520{margin-bottom: 100px !important;padding-right: 40px !important;}&#8221; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221; el_id=&#8221;single-product-stick-section&#8221;][vc_row_inner el_id=&#8221;credit-card-product-thumbnail&#8221;][vc_column_inner][vc_single_image image=&#8221;8528&#8243; img_size=&#8221;large&#8221; el_class=&#8221;wp-post-image&#8221; css=&#8221;.vc_custom_1675746082584{margin-bottom: 35px !important;border-radius: 30px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1672286824621{margin-top: -130px !important;padding-top: 94px !important;padding-right: 48px !important;padding-bottom: 54px !important;padding-left: 48px !important;background-color: #f5f5f5 !important;border-radius: 15px !important;}&#8221; el_id=&#8221;product-title-section&#8221;][vc_column_inner][vc_column_text]<\/p>\n<h2 class=\"\" style=\"text-align: center;\">UOB Malaysia Intelligent Home Loan<\/h2>\n<p>[\/vc_column_text]\n    <div class=\"text-center\">        <a class=\"btn btn-sm btn-danger btn-rounded w-100\" href=\"https:\/\/loanpanda.com.my\/mortgage-loan-application\/?product_id=8465&#038;bank=UOB&#038;product_name=UOB%20Malaysia%20Intelligent%20Home%20Loan&#038;interest_rate=3.36&#038;min_borrow=50000&#038;max_borrow=10000000&#038;min_tenure=1&#038;max_tenure=35\" style=\"\">Apply now<\/a>\n    <\/div>\n    [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;8\/12&#8243; offset=&#8221;vc_col-xs-12&#8243; el_id=&#8221;product-desc-column&#8221;][vc_row_inner][vc_column_inner offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_single_image image=&#8221;8528&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1675746072311{border-radius: 30px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;key-feature-row&#8221; css=&#8221;.vc_custom_1672378622943{margin-top: 28px !important;margin-bottom: 28px !important;padding-top: 0px !important;padding-right: 33px !important;padding-left: 33px !important;background-color: #fbf3e0 !important;border-radius: 10px !important;}&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][vc_column_text el_id=&#8221;key-feature-icon&#8221;]<a href=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Key-Features.svg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5202\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Key-Features.svg\" alt=\"\" width=\"33\" height=\"32\" \/><\/a>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672285484711{margin-bottom: 10px !important;}&#8221; el_id=&#8221;key-feature-title&#8221;]Key Features[\/vc_column_text][vc_column_text el_id=&#8221;key-feature-list&#8221;]<\/p>\n<ul>\n<li>Full-flexi Packages<\/li>\n<li>Flexible Repayments \u2013 Daily to monthly frequency<\/li>\n<li>Open Prepayments &#8211; Pay More To Save More<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1672282324967{margin-bottom: 28px !important;}&#8221; el_class=&#8221;info-row&#8221;][vc_column_inner width=&#8221;1\/12&#8243;][vc_column_text el_id=&#8221;key-feature-icon&#8221;]<a href=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Key-Features.svg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5209\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Other-Features.svg\" alt=\"\" width=\"33\" height=\"32\" \/><\/a>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672282381630{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Other Features<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675746118679{margin-bottom: 24px !important;}&#8221;]<\/p>\n<ul>\n<li>Interest Rate: 3.36% p.a.<\/li>\n<li>New Base Rate: 2.61 %<\/li>\n<li>Loan Type: Flexi Loan<\/li>\n<li>Lock in Period: 3 years<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;info-row&#8221; css=&#8221;.vc_custom_1672283480392{margin-bottom: 28px !important;}&#8221;][vc_column_inner el_class=&#8221;info-icon&#8221; width=&#8221;1\/12&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5207\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Eligibility.svg\" alt=\"\" width=\"33\" height=\"32\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;11\/12&#8243;][vc_column_text css=&#8221;.vc_custom_1672283453385{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Eligibility<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675746142674{margin-bottom: 16px !important;}&#8221;]<\/p>\n<ul>\n<li>Minimum Age: 21 Years<\/li>\n<li>Loan Tenure: Up to 35 Years<\/li>\n<li>Margin of Finance: 90% + 5% for MRTA financing with insurance<\/li>\n<li>Suitable for: Completed homes, under-construction properties, refinancing<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675746158703{margin-bottom: 20px !important;}&#8221;]<\/p>\n<h4>Documents<\/h4>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1675746170123{margin-bottom: 16px !important;}&#8221;]<\/p>\n<ul>\n<li>Application Form<\/li>\n<li>NRIC \/ Identity Card<\/li>\n<li>Copy of Sales and Purchase or Booking Receipt or Letter of Offer from Developer<\/li>\n<li>Copy of Individual Title Deed<\/li>\n<li>Property Valuation Report (for completed properties)<\/li>\n<li>Latest 3 consecutive months of salary slips \/ vouchers<\/li>\n<li>Latest 6 consecutive months of commission statement<\/li>\n<li>Latest EPF statements (with 3 consecutive months or more transaction history)<\/li>\n<li>Latest EA form<\/li>\n<li>Latest 6 months Bank Statement<\/li>\n<li>Letter of Confirmation of Employment and Remuneration<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_row disable_element=&#8221;yes&#8221; el_id=&#8221;product-review&#8221; css=&#8221;.vc_custom_1678442694283{padding-top: 2rem !important;padding-bottom: 2rem !important;background-color: #f5f5f5 !important;}&#8221;][vc_column width=&#8221;7\/12&#8243;][vc_column_text el_id=&#8221;review-heading&#8221; css=&#8221;.vc_custom_1672291126675{margin-bottom: 0px !important;}&#8221;]<\/p>\n<h2>Review<\/h2>\n<p>[\/vc_column_text][vc_column_text el_id=&#8221;product-review-author&#8221;]By Loan Panda[\/vc_column_text][vc_column_text el_id=&#8221;product-review-content&#8221;]The RHB Islamic Bank Pensioner Personal Financing-i is an unsecured Islamic personal financing specifically for retired Malaysian government servants. It has a low-profit rate at 5.25% per annum, or per year, and a high financing tenure of up to 10 years.<\/p>\n<ul>\n<li>Best for: Pensioners who are looking to start a business in retirement<\/li>\n<li>Eligibility: Malaysian citizen from 40 years of age<\/li>\n<li>Pros: No guarantor or collateral required, and no exit fee or early settlement charges imposed if you settle the financing early.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;5\/12&#8243;][vc_single_image image=&#8221;8140&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221; el_id=&#8221;product-faq&#8221; css=&#8221;.vc_custom_1678442684423{margin-bottom: 30px !important;}&#8221;][vc_column][vc_column_text el_id=&#8221;faq-title&#8221; css=&#8221;.vc_custom_1672293214674{margin-top: 24px !important;margin-bottom: 24px !important;}&#8221;]<\/p>\n<h1 style=\"text-align: center;\">FAQ<\/h1>\n<p>[\/vc_column_text][vc_row_inner el_id=&#8221;faq-desc&#8221; css=&#8221;.vc_custom_1672292462848{padding-top: 46px !important;padding-right: 70px !important;padding-bottom: 46px !important;padding-left: 70px !important;background-color: #fef6f5 !important;border-radius: 25px !important;}&#8221;][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4921\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/Frame.png\" alt=\"\" width=\"270\" height=\"259\" \/>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243; el_id=&#8221;faq-desc-img-column&#8221;][vc_column_text css=&#8221;.vc_custom_1672298873194{margin-bottom: 16px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\">A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: left;\">While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?<\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p style=\"text-align: left;\">Here\u2019s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1672379521813{background-color: #f5f5f5 !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1672294503593{margin-top: 86px !important;margin-bottom: 86px !important;}&#8221; el_id=&#8221;footer-on-top&#8221;][vc_column_text css=&#8221;.vc_custom_1672294021465{margin-bottom: 8px !important;}&#8221;]<\/p>\n<h1 class=\"font-purple-primary\">We Are Here to Help!<\/h1>\n<p>[\/vc_column_text][vc_column_text el_id=&#8221;footer-on-top-subtitle&#8221; css=&#8221;.vc_custom_1672294461213{margin-bottom: 24px !important;}&#8221;]Our mission is to deliver reliable, up-to-date tips &amp; advice[\/vc_column_text][vc_column_text el_id=&#8221;footer-on-top-contact-info&#8221; css=&#8221;.vc_custom_1672294440955{margin-bottom: 8px !important;}&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4075\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/phone-dark.png\" alt=\"\" width=\"16\" height=\"16\" \/> 011-5508 9898[\/vc_column_text][vc_column_text el_id=&#8221;footer-on-top-contact-info&#8221; css=&#8221;.vc_custom_1672303087914{margin-bottom: 30px !important;}&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4074\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/email-dark.png\" alt=\"\" width=\"16\" height=\"16\" \/> official@loanpanda.com.my<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner el_id=&#8221;footer-on-top-btn-left&#8221; css=&#8221;.vc_custom_1672294352141{margin-bottom: 16px !important;border-left-width: 0px !important;}&#8221;]\n            <a class=\"btn  btn-custom btn-rounded \" href=\"\/consultant\" style=\"background-color:#ff5959;color:#ffffff;\">Meet The Consultant<\/a>\n    \n    [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/3&#8243; el_id=&#8221;footer-on-top-img&#8221; offset=&#8221;vc_hidden-xs&#8221; css=&#8221;.vc_custom_1672379933577{margin-bottom: 0px !important;border-bottom-width: 0px !important;}&#8221;][vc_single_image image=&#8221;9559&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section][vc_row el_id=&#8221;mobile-single-product-header&#8221; css=&#8221;.vc_custom_1672297943173{margin-bottom: 10px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-8&#8243;][vc_column_text] UOB Malaysia Intelligent Home Loan [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-lg vc_hidden-md vc_col-xs-4&#8243; el_id=&#8221;mobile-apply-button-column&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1672378288226{margin-top: 0px !important;margin-bottom: 0px !important;}&#8221;][vc_column width=&#8221;4\/12&#8243; css=&#8221;.vc_custom_1660298940520{margin-bottom: 100px !important;padding-right: 40px !important;}&#8221; offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221; el_id=&#8221;single-product-stick-section&#8221;][vc_row_inner el_id=&#8221;credit-card-product-thumbnail&#8221;][vc_column_inner][vc_single_image image=&#8221;8528&#8243; img_size=&#8221;large&#8221; el_class=&#8221;wp-post-image&#8221; css=&#8221;.vc_custom_1675746082584{margin-bottom: 35px !important;border-radius: 30px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1672286824621{margin-top: -130px !important;padding-top: 94px !important;padding-right: 48px !important;padding-bottom: 54px !important;padding-left: 48px !important;background-color: #f5f5f5 [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":0,"parent":13601,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-12321","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/12321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/comments?post=12321"}],"version-history":[{"count":4,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/12321\/revisions"}],"predecessor-version":[{"id":14162,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/12321\/revisions\/14162"}],"up":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/13601"}],"wp:attachment":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/media?parent=12321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}