This is my first home and scheduled to take key on 7 Dec.

i called UOB CS regarding my home loan, they say is semi-flexi and there is no charge for the account except interest, is it true a? i remember the SA and the loan agreement say something like every year got a maintenance fee of some sort.

then, CS also say if i deposit money into the account, it will reduce the interest charge, if withdraw, will cost RM50 per withdrawal. I do not need to call them for the interest to be reduce, is it true? I remember somewhere that i need to call after deposit large amount i.e 20K for them to reduce the principal so i save on interest. So... who is true?

Then, i wish to use my money in account 2 of EPF to pay the monthly installment as well as take out lump sum to pay down the principal, they say i need to pay RM20 for the redemption letter. Is that the correct letter? i just need to go to any KWSP branch to get the money for paying?

Please help on this i have no experience at all

Best if you refer to your letter of offer and/or your banker for clarification as it can differ from one case to another.

As for EPF, you can apply to withdraw to reduce the loan sum/to redeem. Guidelines is as provided here:-

http://www.kwsp.gov.my/portal/documents/10..._D8_Jun2014.pdf

i have read the guideline, abit confuse on the document part. This is my first house and the only home loan.

So based on KWSP PDF file, i only need to reproduce:

Housing Loan Balance Statement according to the format
determined by EPF
OR
Housing Loan Balance Statement from the Malaysian
Treasury
(Date of balance statement must not be more than 3
months from the date the application is received)

How to get this? just request for a home loan account statement?

Also, the UOB homeloan CS says need to provide redemption letter, however, based on the KWSP document i do not need to give redemption letter as i only have 1 home loan. Which is correct?

So to confirm, i only need to bring IC along with home loan account statement?

Or IC + home loan account statement + redemption letter?

Do i need to bring others like SPA, loan agreement?

As the loan balance statement is required to be in the format determined by EPF, it will be best if you check with EPF on what is the format acceptable to them.

As for other documents, under NOTE at page 3, it does provide that if the statement is not complete, all other supporting documents is to be produced.