Citibank HDB Loan
Lock-In Period
Interest Rate (1st year)
Monthly Repayment (1st year)
Loan Amount
Loan Tenure
Citibank offers one of the best home loans in Singapore. They have a wide range of fixed and floating interest rate packages as well as preferred interest rates on savings accounts and competitive introductory rates. They also offer a cash reward to eligible customers who successfully apply online for a grant of credit facilities.
ALL DETAILS
Key Features
- Borrowers can have a legal fee subsidy worth 0.20% of the loan amount but are capped at S$2,500 when refinancing their Citibank home loan.
- Also offer home loan borrowers preferred interest rates on savings accounts, which can be used to repay home loans.
- They have a dedicated Mortgage Client Care team to answer any mortgage queries.
- Although Citibank’s HDH home loans come with higher total interest cost than other banks in Singapore, it offers home buyers competitive introductory interest rates.
Loan Packages
Citigold Interest Rate Packages:
| Package Options | Year 1 & 2 Interest | Year 3 Interest | Year 4 and Onwards |
| Floating Interest Rate Package (2-year lock-in) | 1/3M SIBOR + 0.80% p.a | 1/3M SIBOR + 0.85% p.a | 1/3M SIBOR + 1.10% p.a |
| 2-year Fixed Interest Rate Package (2-year lock-in) | 1.18% p.a. | 1M compounded SORA + 1.40% p.a | 1M compounded SORA + 1.40% p.a |
| 3-year Fixed Interest Rate Package (3-year lock-in) | 1.20% p.a. | 1.20% p.a. | 1M compounded SORA + 1.40% p.a |
| Floating Interest Rate Package (2-year lock-in) | 1M compounded SORA + 0.89% p.a | 1M compounded SORA + 1.40% p.a | 1M compounded SORA + 1.40% p.a |
Promotion
This bank also offers the Citi Mortgage Online Promotion to their Citigold or Citigold Private clients who has expressed interest in this Promotion via the Citibank Online link and successfully applied for a New Housing Loan of at least S$800,000. They can enjoy Variable Effective Interest Rate from as low as 1.03% p.a.
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