If you have a stable monthly disposable income, and prefer a well managed budget with disciplined monthly instalments, Citibank Housing Loan would be your choice.
It's an easy housing loan that gives you savings, competitive interest rates, and the flexibility to make extra repayments even during the construction period.
|Competitive rates and daily interest calculation for interest savings.|
|Disciplined monthly instalments give you peace of mind and the ability to plan for your budget.|
|More disposable income by paying interest during the property construction period only, or save more when you opt to commence monthly instalments.|
|Flexibility to make early or extra payments in any amount at any time. No notice required, no fees charged.|
|EPF withdrawal to reduce the outstanding loan.|
|Optional MRTA or MLTA insurance plan to safeguard your home.|
|Get your home loan approved in 10 minutes*.|
*The loan approval given by the Bank for the purpose of this application is only an indicative approval. The indicative approval and eligible loan amount is derived based on the information provided by the customer via the Universal Loan Indicative Approval Application Form (ULIAAF) and is not an agreement by the Bank to provide any loan or other products/services to the customer. Accordingly, the actual approval of the home loan including the loan amount is subject to the submission of the required full application form with supporting documentation and the Bank's credit assessment. The ULIAAF is only applicable to individual borrowers. The rates on the loan may change according to changes in the Base Rate (BR).
|Copy of NRIC (front and back)|
|Latest 3 months’ salary slips|
|Latest EPF statement|
|Income tax returns - latest BE, B or EA Form (where applicable)|
|Form 24 and 49 (business registration forms, if applicable)|
|Bank statements for the last 6 months|
|Sales and Purchase Agreement or Title or Booking Receipt (where applicable)|
Note : Citibank may require additional supporting documents as may deemed fit for the loan application