Get flexible options with Citibank Housing Loan

If you have a stable monthly disposable income, and prefer a well managed budget with disciplined monthly instalments, housing loan by Citibank should be your choice.

It's an easy housing loan that gives you savings, competitive interest rates, and the flexibility to make extra instalment repayments even while your property is under construction.

Features & Benefits
calculator Competitive rates and daily interest calculation for interest savings.
calendar Disciplined monthly instalments give you peace of mind and the ability to plan for your budget.
disposable income More disposable income by paying interest during the property construction period only, or save more when you opt to commence monthly instalments.
flexibility Flexibility to make early or extra payments in any amount at any time. No notice required, no fees charged.
EPF EPF withdrawal to reduce the outstanding loan.
mrta Optional MRTA or MLTA insurance plan to safeguard your home.
time 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).

Salaried Self-employed
Copy of NRIC (front and back) Yes Yes
Latest 3 months’ salary slips Yes  
Latest EPF statement Yes  
Income tax returns - latest BE, B or EA Form (where applicable)   Yes
Form 24 and 49 (business registration forms, if applicable)   Yes
Bank statements for the last 6 months   Yes
Sales and Purchase Agreement or Title or Booking Receipt (where applicable) Yes Yes

Note : Citibank may require additional supporting documents as may deemed fit for the loan application

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One-stop solution for housing loan in Malaysia

Citibank FlexiHome Loan

Deposit extra repayments and withdraw excess amounts anytime, no notice required.

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Learn More

Citibank FlexiHome Loan

Deposit extra repayments and withdraw excess amounts anytime, no notice required.

Learn More