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citiBank Citibank Home Loan

About Citibank home loan

Citibank is one of the leading global banks with around 200 million customer accounts across more than 160 countries and jurisdictions. They started their banking operations in Singapore in 1982. They now offer products such as the Citibank home loan, credit cards, deposits, and investments.

Citibank home loan plan

Citibank offers various options where you can use their Citibank mortgage offering. The Citibank loans will cover the reconstruction of your home, refinance home loan, and a new residential property purchase.

The Citibank home loan rates are aggressive compared to its competition. If you apply online with a minimum loan amount of SG$500,000, you’ll be able to enjoy SIBOR plus 0.70% Citibank mortgage rates for the first year. Alternatively, you may also choose to have a fixed interest rate.

The lowest amount that you can loan for a home loan is SG$100,000. If you have an outstanding loan secured by another property, the maximum amount that you may loan will only be 50% of the purchase price or valuation. You can also choose a loan tenure starting from just 1 year up to 35 years.

To be eligible for a Citibank home loan, you must be between the ages of 21 up to 75 years old. You should also be a Singaporean or permanent citizen, but if you aren’t either, you may still try to apply for a home loan under Citibank’s discretion. You will also have to present a copy of your NRIC or passport. If you’ll be having a joint applicant, they also have to fit the criteria and submit the required documents.

For a refinance home loan, you’ll also be offered a legal subsidy of up to SG$2,000 if you save on your interest. You’ll also be given access to Citibank’s dedicated mortgage client care team.

Thinking of applying for a Citibank home loan for a new apartment? Compare home loans with GoBear before making the final decision.


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I want to
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My dream home costs
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so I’d like to borrowI’d like to refinance
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For your first home you can borrow up to 80% of its value. For your second home you can only borrow up to 50%.

Better fill up that piggy bank!

and repay it over years.
You can take up to 30 years to pay back the loan for a HDB flat, and up to 35 for private property and ECs.

If you think you’ll take a while to pay back your loan, you better get it sorted quick – your loan repayment period can’t go past your 65th birthday.
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You can only loan up to ${{limitation.LoanAmount_Max|number}} based on the value of your property.
You need to hold the loan for at least {{limitation.LoanTenure_Min|number}} years.
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