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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 SIBOR + 1.25%
Year 2 SIBOR + 1.25%
Year 3 SIBOR + 1.25%
Thereafter SIBOR + 1.25%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.89%
Year 2 SIBOR + 0.89%
Year 3 SIBOR + 0.89%
Thereafter SIBOR + 0.89%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.82%
Year 2 SIBOR + 0.82%
Year 3 SIBOR + 0.82%
Thereafter SIBOR + 0.82%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.37% (Fixed)
Year 2 1.37% (Fixed)
Year 3 1.37% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.55% (Fixed)
Year 2 1.55% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 1.65% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1.30% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Minimum mortgage of $800,000
Year 1 SIBOR + 1.15%
Year 2 SIBOR + 1.15%
Year 3 SIBOR + 1.15%
Thereafter SIBOR + 1.15%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.84%
Year 2 SIBOR + 0.84%
Year 3 SIBOR + 0.84%
Thereafter SIBOR + 0.84%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.77%
Year 2 SIBOR + 0.77%
Year 3 SIBOR + 0.77%
Thereafter SIBOR + 0.77%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.32% (Fixed)
Year 2 1.32% (Fixed)
Year 3 1.32% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.60% (Fixed)
Year 2 1.60% (Fixed)
Year 3 1.60% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1.25% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.50% (Fixed)
Year 2 1.50% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive-
Remarks

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
Year 1 SIBOR + 1.25%
Year 2 SIBOR + 1.25%
Year 3 SIBOR + 1.25%
Thereafter SIBOR + 1.25%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.89%
Year 2 SIBOR + 0.89%
Year 3 SIBOR + 0.89%
Thereafter SIBOR + 0.89%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.82%
Year 2 SIBOR + 0.82%
Year 3 SIBOR + 0.82%
Thereafter SIBOR + 0.82%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.55% (Fixed)
Year 2 1.55% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 1.65% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.37% (Fixed)
Year 2 1.37% (Fixed)
Year 3 1.37% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (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 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1.30% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Minimum mortgage of $800,000
Year 1 SIBOR + 1.15%
Year 2 SIBOR + 1.15%
Year 3 SIBOR + 1.15%
Thereafter SIBOR + 1.15%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.77%
Year 2 SIBOR + 0.77%
Year 3 SIBOR + 0.77%
Thereafter SIBOR + 0.77%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.84%
Year 2 SIBOR + 0.84%
Year 3 SIBOR + 0.84%
Thereafter SIBOR + 0.84%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.60% (Fixed)
Year 2 1.60% (Fixed)
Year 3 1.60% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.50% (Fixed)
Year 2 1.50% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1.25% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.32% (Fixed)
Year 2 1.32% (Fixed)
Year 3 1.32% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks

Home Loan for Purchase of HDB Flat
No minimum mortgage requirement
Year 1 SIBOR + 0.82%
Year 2 SIBOR + 0.82%
Year 3 SIBOR + 0.82%
Thereafter SIBOR + 0.82%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Minimum mortgage of $100,000
Year 1 SIBOR + 1.25%
Year 2 SIBOR + 1.25%
Year 3 SIBOR + 1.25%
Thereafter SIBOR + 1.25%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.89%
Year 2 SIBOR + 0.89%
Year 3 SIBOR + 0.89%
Thereafter SIBOR + 0.89%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.37% (Fixed)
Year 2 1.37% (Fixed)
Year 3 1.37% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.55% (Fixed)
Year 2 1.55% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 1.65% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1.30% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Minimum mortgage of $800,000
Year 1 SIBOR + 1.15%
Year 2 SIBOR + 1.15%
Year 3 SIBOR + 1.15%
Thereafter SIBOR + 1.15%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.84%
Year 2 SIBOR + 0.84%
Year 3 SIBOR + 0.84%
Thereafter SIBOR + 0.84%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.77%
Year 2 SIBOR + 0.77%
Year 3 SIBOR + 0.77%
Thereafter SIBOR + 0.77%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.32% (Fixed)
Year 2 1.32% (Fixed)
Year 3 1.32% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Year 1 1.60% (Fixed)
Year 2 1.60% (Fixed)
Year 3 1.60% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1.25% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
Year 1 1.50% (Fixed)
Year 2 1.50% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive-
Remarks

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1 SIBOR + 1.25%
Year 2 SIBOR + 1.25%
Year 3 SIBOR + 1.25%
Thereafter SIBOR + 1.25%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.89%
Year 2 SIBOR + 0.89%
Year 3 SIBOR + 0.89%
Thereafter SIBOR + 0.89%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.82%
Year 2 SIBOR + 0.82%
Year 3 SIBOR + 0.82%
Thereafter SIBOR + 0.82%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.55% (Fixed)
Year 2 1.55% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 1.65% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.37% (Fixed)
Year 2 1.37% (Fixed)
Year 3 1.37% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (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 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1.30% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Minimum mortgage of $800,000
Year 1 SIBOR + 1.15%
Year 2 SIBOR + 1.15%
Year 3 SIBOR + 1.15%
Thereafter SIBOR + 1.15%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.77%
Year 2 SIBOR + 0.77%
Year 3 SIBOR + 0.77%
Thereafter SIBOR + 0.77%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.84%
Year 2 SIBOR + 0.84%
Year 3 SIBOR + 0.84%
Thereafter SIBOR + 0.84%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.60% (Fixed)
Year 2 1.60% (Fixed)
Year 3 1.60% (Fixed)
Thereafter 1M SIBOR + 1.27%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.50% (Fixed)
Year 2 1.50% (Fixed)
Year 3 1M SIBOR + 1.27%
Thereafter 1M SIBOR + 1.27%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1.25% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.32% (Fixed)
Year 2 1.32% (Fixed)
Year 3 1.32% (Fixed)
Thereafter 1M SIBOR + 0.90%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks

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