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![]() Better cash flow management from one account |
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![]() Competitive interest rates for immediate savings |
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![]() Up to 60 months loan tenure |
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![]() Easy application process with minimal documentation |
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All calculations are for illustrative purposes only and will differ on a case-to-case basis.
Minimum of RM5,000.
New customers are entitled to a loan amount of up to RM120,000.
Existing customers are entitled to a loan amount of up to RM150,000.
(Please refer to the footnote below for definitions of new and existing customers)24, 36, 48 or 60 months.
Prescribed rates will be at an effective interest rate range of 11.90% - 12.90% per annum.
For your ease of comparison, the equivalent flat interest rate is approximately 6.4% - 7.2% per annum.
1-time Stamp Duty (Ad Valorem) |
0.5% of approved loan amount. |
Early Settlement Fee | RM200 or 3% of outstanding balance, whichever higher, if loan is settled within first 2 years or before reaching half the tenure, whichever earlier. |
Late Payment Charge (in addition to prescribed rate) |
1% p.a. charged daily on past due amount. |
SALARIED EMPLOYEES | |
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Minimum Annual Income | RM48,000 p.a. |
Documents Required | Photocopy of MyKad (both sides) |
Latest EPF Statement | |
OR | |
Latest 2 months' Salary Slip | |
AND/OR | |
Any of the following documents where applicable: | |
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SELF EMPLOYED | |
Minimum Annual Income | RM48,000 p.a. |
Documents Required | Photocopy of MyKad (both sides) |
Photocopy of Business Registration | |
AND | |
Latest Form B with Tax Receipt | |
Additional documents for Citibank Debt Consolidation: Latest redemption statement or latest closure quotation of personal loan and/or latest credit card statement |