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Citibank HDB Loan

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Citibank HDB Loan

2 years

Lock-In Period


Interest Rate (1st year)

S$ 1,155

Monthly Repayment (1st year)

S$ 300,000

Loan Amount

25 Years

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.


  • 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.

Citigold Interest Rate Packages:

Package OptionsYear 1 & 2 InterestYear 3 InterestYear 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.a1M compounded SORA + 1.40% p.a1M compounded SORA + 1.40% p.a

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.

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

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