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Citibank Private Property Loan

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Citibank Private Property 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

With Citibank’s Private Property Loan, customers can enjoy competitive interest rates and get legal subsidy fees of up to S$2,500. Additionally, it offers a high maximum tenure of 25 years, making it one of the best home loans that you can get in Singapore. 


  • Applicants can choose from a wide range of interest rate packages such as SIBOR floating-rate and SIBOR fixed-rate packages. They may vary the interest rate from time to time after giving notice to their clients.
  • Get a legal fee subsidy of up to S$2,500 when they refinance their home loan with Citibank.
  • The Minimum loan amount is S$500,000.
  • Get online access to their home loan account.
  • If you’re a CitiGold client, you don’t need to pay full redemption or cancellation fees.
  • The maximum tenure of the loan is 35 years.
  • The first-year interest rates for private housing loans from this bank range from 1.45% p.a with a 2 year lock-in period and 1.50% with a 3 year lock-in period. Rates are pegged to 1 month compounded SORA.
Package OptionsYear 1 & 2 interestYear 3 interestYear 4 & OnwardsLock-in period
2-year Fixed Interest Rate Package1.45% p.a1M Compounded Sora + 1.45% p.a1M Compounded Sora + 1.45% p.a2 years
3-year Fixed Interest Rate Package1.50% p.a1.50% p.a1M Compounded Sora + 1.45% p.a3 years
2-year Floating Interest Rate Package1/3M SIBOR + 0.80% p.a.1/3M SIBOR + 0.85% p.a.1/3M SIBOR + 1.10% p.a.2 years


  • If you upgrade to CitiGold Private Client, you can enjoy preferential mortgage interest rates for as low as 1.1% p.a
  • Minimum effective interest rates of 0.85% apply for floating-rates and fixed-rate packages
  • If you refer your friends and family to acquire CitiBank home loans or a mortgage loan, you can be rewarded with up to S$1,200 worth of shopping vouchers for every successful referral. You just have to enter your details and your mortgage specialist to generate a unique referral link from this bank.

  • Citibank is also offering an exclusive online promotion for their Citigold and Citigold Private clients. Subject to a minimum loan size of S$800,000, Citigold and Citigold Private clients can enjoy a 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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