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UOB Home

Turn your dream home into reality with UOB Home.

UOB Home

Turn your dream home into reality with UOB Home

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UOB_Primary_Home_Loan
UOB_Primary_Home_Loan
Product

UOB Primary Home Loan

UOB Home Loan is a solution, designed to fulfill your desired Homes purchase from our notable Developer partners.

  • Wide selection of Primary Homes from over 200+ Property Developer Projects.
  • Affordable Installment with up to 30 year tenure for First time Home buyers.
  • Easy process with flexible down payment and attractive Interest rates.

 

UOB_Secondary_Home_Loan
UOB_Secondary_Home_Loan
Product

UOB Secondary Home Loan

Enjoy UOB Home financing solution to purchase your Non-Primary Homes designed with flexibility, affordability and conveniences.

  • Wide network of Property Agents to cater your personalized Homes needs throughout the country.
  • Affordable Installment with attractive Interest rates.

 

UOB_Take_Over_Home_Loan
UOB_Take_Over_Home_Loan
Product

UOB Take Over Home Loan

Refinance/ transfer/ take-over your residential Home Loan with UOB to enjoy great savings. Plus, unlock the potential of greater financial flexibility today!

  • Enjoy great instalment savings when you move to UOB Home.
  • Fulfill your Home Renovation, Interior and Exterior Upgrade or Step-up your Home Appliances desire with Top-Up Loan.
FLEXI_Home_Loan
FLEXI_Home_Loan
Feature

Flexi Home Loan – Bundle

Enjoy UOB Home financing solution, combining your Flexi savings account and Flexi Home Loan to allow flexibility in your Home financing.

  • Enjoy installment with as low as 0% Interest.
  • Allowing you to pay off your loan faster than the original tenure.
  • Flexibility to manage your Savings funds, to remain accessible for withdrawal anytime.
  • Terms and conditions apply
0%_Installment_12_Months
0%_Installment_12_Months
Feature

Convert your Home Credit Fees into 12 months 0% installment with UOB Credit Cards

At UOB Home, We help you to manage Home Loan Credit Fees while You step-in to your desired Home.

  • Allowing you to get 0% interest for 12 months installments of your Home Loan credit fees
  • Applicable for credit fees (admin, provision, insurance, notary, etc.)
  • Terms and conditions apply
Tenor_Up_To_30_Years
Tenor_Up_To_30_Years
Feature

Tenure up to 30 Years

As your priorities and lifestyle change, your Home Loan evolves with you in allowing up to 30 years tenure and gives you more affordability.

  • Suitable for first-time Property purchase financing and also an employee.
  • Applicable to your Landed House and/or High rise Apartment Homes.
  • Terms and conditions apply.
Promo_Take_Over_Cashback
Promo_Primary_Cashback
Promotion

Primary Cashback up to Rp25.000.000

Avail and enjoy Cashback on your Primary Home purchase at UOB Home.

  • Suitable Primary Homes from our Developer partners.
  • Allowing you to receive up to Rp25.000.000 Cashback on your Administration Fees.
  • Limited offer, terms & conditions apply.
Promo_Appraisal_Seconday
Promo_Appraisal_Seconday
Promo

Secondary Valuation/Appraisal Subsidy

Enjoy Free Appraisal when you purchase your property or take over your Home Loan to UOB Home.

  • Suitable for Non-Primary Homes.
  • Up to 100% Subsidy on your appraisal fees.
  • Limited offer, terms & conditions apply.
Promo_Subsidi_Biaya_Appraisald
Promo_Take_Over_Cashback
Promo

Take-Over Cashback up to Rp25.000.000 and Valuation/Appraisal Subsidy

Move your Home Loan to UOB Home and unlock the potential to enjoy financial flexibility today!

  • Suitable Home Loan floating installment from another bank.
  • Allowing you to receive up to Rp25.000.000 Cashback on your Administration Fees.
  • Limited offer, terms & conditions apply.

 

FAQ - How To Apply

Easy Steps to Apply for a UOB Home Loan
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  1. Prepare your personal documents, financial data, and collateral information.
  2. Apply for a UOB Home Loan through the e-form on the UOB Indonesia website. Click here.
  3. Discuss your home loan needs with a UOB Indonesia Home Loan Specialist.
  4. Explore a variety of property options through Property Agents (Brokers) or UOB Indonesia Partner Developers. Click here.
  5. Wait for information on your home loan application status from a UOB Indonesia Home Loan Specialist.
  1. Indonesian Citizen (WNI).
  2. Individual applicant (not a business entity).
  3. Minimum age of 21 years or married.
  4. Maximum age at the end of the loan tenure: 60 years for employees and 70 years for professionals/entrepreneurs.
  5. Have a minimum fixed income of Rp10 million per month.
  1. Photocopy of Applicant’s and Spouse’s Indonesia Identity Card (KTP).
  2. Photocopy of Family Card (Kartu Keluarga) and Marriage Certificate.
  3. Photocopy of Personal Taxpayer Identification Number (NPWP).
  4. Photocopy of Bank Statement/Savings Account for the last 3 months.
  5. Salary Slip/Income Proof/Annual Personal Income Tax article 21.
  6. Photocopy of Collateral Documents (House Purchase Order/SPR for Developer Purchase or Ownership Certificate, Building Permit/IMB, Sale and Purchase Deed, Latest Land and Building Tax/PBB).
  1. Photocopy of Applicant’s and Spouse’s Indonesia Identity Card (KTP).
  2. Photocopy of Family Card (Kartu Keluarga) and Marriage Certificate.
  3. Photocopy of Personal Taxpayer Identification Number (NPWP).
  4. Photocopy of Company Taxpayer Identification Number (NPWP).
  5. Photocopy of Bank Statement/Savings Account for the last 3 months.
  6. Financial Statement/Income Proof/ Annual Personal Income Tax article 21.
  7. Photocopy of Business License (SIUP), Deed of Establishment, and Amendments.
  8. Photocopy of Collateral Documents (House Purchase Order/SPR for Developer Purchase or Ownership Certificate, Building Permit/IMB, Sale and Purchase Deed, Latest Land and Building Tax/PBB).
  1. Photocopy of Applicant’s and Spouse’s Indonesia Identity Card (KTP).
  2. Photocopy of Family Card (Kartu Keluarga) and Marriage Certificate.
  3. Photocopy of Personal Taxpayer Identification Number (NPWP).
  4. Photocopy of Company Taxpayer Identification Number (NPWP).
  5. Photocopy of Bank Statement/Savings Account for the last 3 months.
  6. Financial Statement/Income Proof/ Annual Personal Income Tax article 21.
  7. Photocopy of Collateral Documents (House Purchase Order/SPR for Developer Purchase or Ownership Certificate, Building Permit/IMB, Sale and Purchase Deed, Latest Land and Building Tax/PBB).
Loan Type Fixed Interest Rate(eff. p.a) Floating Interest Rate (eff. p.a) Minimum Tenure
Primary 3,50% Fix for 3 years Special Floating 10 years
4,85% Fix for 5 years Prime Floating
Secondary 3,99% Fix for 3 years Special Floating
5,25% Fix for 5 years Prime Floating
Multiguna 6,00% Fix for 3 years Special Floating 6 years

* The BI 12-Month Financial Instrument in Rupiah is the latest auctioned or published rate by BI, currently the SRBI (Securities Rupiah Bank Indonesia), as stated on the BI portal (www.bi.go.id)

The BI 12-Month Financial Instrument rate will be adjusted every March, June, September, and December on the first business day.

  1. *SRBI 12-month rate as of November 29, 2024: 7.20%
  2. *JIBOR 3-month rate as of December 2, 2024: 6.92%
  3. *Reverse Repo SBN 12-month rate as of August 18, 2023: 6.41%
  4. *Floating Counter Rate: 13.99%
  5. *Prime Floating Rate: 12.00%
  6. *Special Floating Rate: 11.00%
  7. *Interest rates are subject to change at any time.
  8. *Terms and conditions apply.
  1. Collateral Appraisal Fee.
  2. Provision and Credit Administration Fees.
  3. Notary Fees.
  4. Life and Fire Insurance Premium Fees.
  1. Additional charges may apply if the loan is repaid before the penalty period stated in the loan agreement ends.
  2. Monthly installments may increase after the fixed/teaser interest period ends.
  3. Late payments will incur penalties and be recorded in the SLIK (Financial Information Service System) of the Financial Services Authority (OJK).
  4. UOB Indonesia has the right to take over collateral ownership if the borrower fails to meet repayment obligations.
  1. The borrower must submit an original, signed written request on stamp duty to the Bank, attaching a valid Identity Card.
  2. The repayment process follows the current loan repayment policies of the Bank.
  3. Loan repayment can only be processed on working days, with a cut-off date of the 15th of each month.

Find your dream home with UOB Home

Find your dream home with UOB Home

Apply for a home loan at UOB Indonesia

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