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Citibank Home Loans

Citibank Home Loan for Purchase of Private Property

Citibank Home Loan for Refinancing of Private Property

Citibank Home Loan for Purchase of HDB Flat

Citibank Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $100,000
Year 1 1.99% (Fixed)
Year 2 1.99% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.93% (Fixed)
Year 2 1.93% (Fixed)
Year 3 1M SIBOR + 0.65%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Minimum mortgage of $600,000
Year 1 2.00% (Fixed)
Year 2 2.00% (Fixed)
Year 3 2.00% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.97% (Fixed)
Year 2 1.97% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.90% (Fixed)
Year 2 1.90% (Fixed)
Year 3 1.90% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Year 1 1.90% (Fixed)
Year 2 1.90% (Fixed)
Year 3 1.90% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Year 1 1.92% (Fixed)
Year 2 1.92% (Fixed)
Year 3 1.92% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Year 1 1.96% (Fixed)
Year 2 1.96% (Fixed)
Year 3 1.96% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Year 1 1.94% (Fixed)
Year 2 1.94% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.89% (Fixed)
Year 2 1.89% (Fixed)
Year 3 1M SIBOR + 0.65%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Year 1 1.87% (Fixed)
Year 2 1.87% (Fixed)
Year 3 1M SIBOR + 0.65%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with bank
Minimum mortgage of $1,500,000
Year 1 1M SIBOR + 0.45%
Year 2 1M SIBOR + 0.45%
Year 3 1M SIBOR + 0.50%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Waiver of lock-in penalty if property is sold
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.48%
Year 2 1M SIBOR + 0.48%
Year 3 1M SIBOR + 0.50%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.50%
Year 2 1M SIBOR + 0.50%
Year 3 1M SIBOR + 0.50%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.15%
Year 2 1M SIBOR + 0.15%
Year 3 1M SIBOR + 0.35%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with the bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.20%
Year 2 1M SIBOR + 0.20%
Year 3 1M SIBOR + 0.40%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with the bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.30%
Year 2 1M SIBOR + 0.30%
Year 3 1M SIBOR + 0.40%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • $250,000 to be placed with the bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.97% (Fixed)
Year 2 1.97% (Fixed)
Year 3 1.97% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
Year 1 1M SIBOR + 0.50%
Year 2 1M SIBOR + 0.50%
Year 3 1M SIBOR + 0.50%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.99% (Fixed)
Year 2 1.99% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.93% (Fixed)
Year 2 1.93% (Fixed)
Year 3 1M SIBOR + 0.65%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 2.02% (Fixed)
Year 2 2.02% (Fixed)
Year 3 2.02% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Minimum mortgage of $500,000
Year 1 1M SIBOR + 0.20%
Year 2 1M SIBOR + 0.20%
Year 3 1M SIBOR + 0.40%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
Remarks
  • $250,000 to be placed with bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.30%
Year 2 1M SIBOR + 0.30%
Year 3 1M SIBOR + 0.40%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
Remarks
  • $250,000 to be placed with bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 2.00% (Fixed)
Year 2 2.00% (Fixed)
Year 3 2.00% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Minimum mortgage of $600,000
Year 1 1M SIBOR + 0.48%
Year 2 1M SIBOR + 0.48%
Year 3 1M SIBOR + 0.50%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.89% (Fixed)
Year 2 1.89% (Fixed)
Year 3 1M SIBOR + 0.65%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.97% (Fixed)
Year 2 1.97% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Minimum mortgage of $1,500,000
Year 1 1M SIBOR + 0.45%
Year 2 1M SIBOR + 0.45%
Year 3 1M SIBOR + 0.50%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.15%
Year 2 1M SIBOR + 0.15%
Year 3 1M SIBOR + 0.35%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
Remarks
  • $250,000 to be placed with bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.94% (Fixed)
Year 2 1.94% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.97% (Fixed)
Year 2 1.97% (Fixed)
Year 3 1.97% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.87% (Fixed)
Year 2 1.87% (Fixed)
Year 3 1M SIBOR + 0.65%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.90% (Fixed)
Year 2 1.90% (Fixed)
Year 3 1.90% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.92% (Fixed)
Year 2 1.92% (Fixed)
Year 3 1.92% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.96% (Fixed)
Year 2 1.96% (Fixed)
Year 3 1.96% (Fixed)
Thereafter 1M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1 1.99% (Fixed)
Year 2 1.99% (Fixed)
Year 3 3M SIBOR + 0.85%
Thereafter 3M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 2.02% (Fixed)
Year 2 2.02% (Fixed)
Year 3 2.02% (Fixed)
Thereafter 3M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Minimum mortgage of $600,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.48%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 3M SIBOR + 0.50%
Year 2 3M SIBOR + 0.50%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.97% (Fixed)
Year 2 1.97% (Fixed)
Year 3 3M SIBOR + 0.85%
Thereafter 3M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 2.00% (Fixed)
Year 2 2.00% (Fixed)
Year 3 2.00% (Fixed)
Thereafter 3M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1 3M SIBOR + 0.50%
Year 2 3M SIBOR + 0.50%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 3M SIBOR + 0.30%
Year 2 3M SIBOR + 0.30%
Year 3 3M SIBOR + 0.40%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
Remarks
  • $250,000 to be placed with bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.99% (Fixed)
Year 2 1.99% (Fixed)
Year 3 3M SIBOR + 0.85%
Thereafter 3M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 2.02% (Fixed)
Year 2 2.02% (Fixed)
Year 3 2.02% (Fixed)
Thereafter 3M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Minimum mortgage of $600,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.48%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
RemarksInterest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 3M SIBOR + 0.20%
Year 2 3M SIBOR + 0.20%
Year 3 3M SIBOR + 0.40%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.3% (max $2,000)
Remarks
  • $250,000 to be placed with bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.97% (Fixed)
Year 2 1.97% (Fixed)
Year 3 3M SIBOR + 0.85%
Thereafter 3M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 2.00% (Fixed)
Year 2 2.00% (Fixed)
Year 3 2.00% (Fixed)
Thereafter 3M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.92% (Fixed)
Year 2 1.92% (Fixed)
Year 3 1.92% (Fixed)
Thereafter 3M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.96% (Fixed)
Year 2 1.96% (Fixed)
Year 3 1.96% (Fixed)
Thereafter 3M SIBOR + 0.65%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.93% (Fixed)
Year 2 1.93% (Fixed)
Year 3 3M SIBOR + 0.65%
Thereafter 3M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank
Year 1 1.89% (Fixed)
Year 2 1.89% (Fixed)
Year 3 3M SIBOR + 0.65%
Thereafter 3M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • $250,000 to be placed with bank

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