• Interest Rate (p.a)


  • New Base Rate


  • Loan Type

    Term Loan

  • Lock in Period

    3 years

Loan calculator
Loan amount


Loan Tenure (years)
Interest Rate (p.a)


Monthly Repayment


Whats so great about Citibank Housing Loan?
  • 10 minutes home loan approval*
  • Up to RM30,000 cash back + guaranteed RM2,000 cash back
  • *The loan approval given by the Bank is only an indicative approval. T&C apply. Visit www.citibank.com.my for more details.


Minimum Age: 18 years
Loan Tenure: Up to 30 Years
Margin of Finance: Up to 89%
Suitable for: Completed & under-construction residential properties

Product Review by iMoney

Is A Citibank Home Loan Right for Me?

There are various home loan packages available in the market today. It is important to understand and evaluate the various features and benefits available to obtain the optimum from each home loan package.

Citibank offer two key home loan packages (i.e. conventional Housing Loan product with disciplined monthly installment for completed property and FlexiHome Loan product that gives you complete flexibility to deposit more than your monthly installment or withdraw the excess amount, whenever you want). You will be able to find out if your loan is approved within 10 minutes*. It’s that simple. In addition, you get up to RM30,000 cash back and guaranteed RM2,000 cash back^ when you sign up your loan from 2nd January 2019 - 31st December 2019.

Citibank Housing Loan is a home loan that lets you focus on bigger priorities with disciplined monthly installment for completed property. You are allowed to make early or extra payments in any amount at any time with no notice require and no fees charged. On top of that, you are allowed to reduce your outstanding loan amount via EPF withdrawal.

Citibank FlexiHome Loan is a home loan that gives you flexibility to deposit more than your monthly instalment or withdraw the excess amount, whenever you want with no notice required. When you deposit funds in excess to the instalment (“Extra Payment”), your principal will be automatically reduced the following day for the purpose of calculation of interests. Interests will be calculated on the amount which is the difference between the loan outstanding balance and the Extra Payment deposited into the Flexi Current Account ("Interest Offset Feature").

Citibank Home Loan Packages

Citibank offers two competitive full-flexi home loan packages that suit different individual needs in the form of HomeCredit and FlexiHome Loan. The key features of each package are highlighted for your comparison.
Product Key Features Is this a flexi package?
Housing Loan
  • Competitive rates and daily interest calculation allows you to save more.
  • Disciplined monthly instalments for completed property financing.
  • Pay interest only during property construction period to have more disposable income OR enjoy more savings 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 balance.
FlexiHome Loan
  • Flexible to deposit more than your monthly instalment in any amount and to withdraw excess amount anytime, and as often as you wish. No notice required.
  • Daily interest calculation for interest savings.
  • Option to start your principal repayments immediately even if your property is under construction, thus reducing your overall financial obligation quickly.

Details of Citibank’s Home Loan Packages

Citibank home loan packages allow borrowers to make additional monthly repayments to reduce the interest charges on their home loan. Alongside with the flexibility of the features, the product comes with fees and conditions that need to be considered.
Housing Loan FlexiHome Loan
Flexi type No Yes
Is a linked bank account required? No Yes
Account Maintenance Fees No Yes. RM10.00 (inclusive of 0% SST. Effective 1 Sept 2018)
Redrawal Fees NA No
Redrawal Terms & Conditions NA No

What Documents Will I Need to Prepare?

Below is the list of documents that you will be required to prepare for Citibank Home Loan application: * Copy of NRIC (Front & Back) * Latest 3 months' salary slips * Latest EPF statements * 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

Sounds Great! How Should I Proceed?

Based on your current property value and the loan amount that you wish to borrow, you can find out your monthly instalment by using the Citibank loan instalment calculator. Once you are ready to apply and have all your documentation in place, you can proceed to make an application through iMoney and we will call you back to assist you with your home loan application. If you are not sure whether this Citibank Home Loan is your best option, click here to compare other home loans in Malaysia.

Is It Easy to Repay my Citibank Home Loan?

Here are some of the repayment methods for Citibank home loans. Citibank Online Transfer : Transfer funds from your Citibank Bank Savings or Checking accounts to make your payments. MEPS : Pay your loans at over 5,000 MEPS ATMs nationwide. Interbank GIRO : Pay your loans through the Interbank GIRO fund transfer from any participating bank’s branch or through online banking. Standing Instruction Facility : Sign up at our branches to have your bank account automatically debited. Citibank ATMs : Transfer funds from your accounts to make your loan payment. Express Payment machine : Make a check or cash deposit at Citibank branches. Payment by mail : Mail to Citibank with your check and statement enclosed in an envelope. Citiphone Banking : Issue instructions via telephone to have your bank account deducted to pay for your home loan with your T-PIN.
If you are looking for other home loans, you may also consider
HSBC Home Loan : HSBC provides a home loan rate starts from Base Rate (BR) 3.75%. The option of a flexi loan package is available and there is a 90% margin of financing. The lock-in period for this home loan is 5 years. Standard Chartered Home Loan : The mortgage rate from Standard Chartered Bank starts from Base Rate (BR) 3.67%. It does come with the option of a flexi loan package and a maximum of 90% margin of financing. There is no lock-in period that comes with the mortgage. UOB Home Loan : At UOB, the housing loan rate starts from Base Rate (BR) 3.92%. The option of a flexi loan package is available for this loan and there is a maximum of 90% margin of financing. There is a 3 year lock-in period for this housing loan.