Citibank FlexiHome Loan

A completely flexible home loan that lets you pay off your mortgage whenever you want! Pay extra when you can afford it or withdraw when you need extra cash. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.

Citibank FlexiHome Loan
Up to 30 years
Interest Rate
from 4.2% p.a.
Loan type
Full-Flexi loan
Interest Type
Floating interest rate
Lock In Period
3 years
Margin of finance
up to 89%

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
up to RM449,9994.3% p.a.
RM450,000 - RM1,000,0004.25% p.a.
more than RM1,000,0004.2% p.a.
*Effective interest rate will be determined by Citibank upon approval.


Minimum Annual Income
Minimum Age
  • 18 to 70 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed

Fees & Charges

Late Penalty Fee
1% p.a. p.a. on amount past due x (number of days past due/365 days) for term loan/financing on a monthly basis
Withdrawal Fee
Processing Fee
Monthly Fee
Early Settlement Fee
3% of total original loan/financing amount (the holding period is up to 3 years from date of full drawdown)
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM10 per request
Insurance Types
  • Mortgage Level Term Assurance (MLTA)
  • Mortgage Reducing Term Assurance (MRTA)
  • Houseowner Insurance

More Information

What do I need to know about the Citibank FlexiHome Loan?

FlexiHome from Citibank is a flexible housing loan linked to a flexi current account (without a cheque book). 

You can pay more than your monthly mortgage repayments to reduce your principal, and withdraw funds from the same account without giving prior notice to the bank. 

This is a great choice if you are looking for a mortgage as flexible as your budget. 

Subject to approval, Citibank can finance up to 89% of the total value of your new home purchase including properties that are still under construction.

How does Citibank calculate my interest payments?

The rates on this loan may change according to the changes in Base Rate (BR). 

Your interest fee will be charged based on the net balance of the home loan account against your attached current account. 

What does that mean? 

This means that your attached current account is helping to bring down the cost of your home loan interest – something that's worth considering if you want to own your house fast.

The calculation of the interest payments can be seen below:

Loan SizeInterest Rate
<RM450,000BR + 0.90%
RM450,000 - RM1,000,000BR + 0.85%
>RM1,000,000BR + 0.80%

What are my commitments with this home loan?

Your monthly installments will depend on your income, loan size, spending, and relationship with Citibank such as holding a Citibank credit card or Citigold account - you may be able to arrange a better interest rate than the published one, just ask your friendly Citibank Sales Specialist!

What insurance does the Citibank FlexiHome loan offer?

Mortgage Reducing Term Assurance (MRTA) or Mortgage Level Term Assurance (MLTA) is highly recommended to hedge the risk of losing your family's property due to unforeseen circumstances. 

It’s totally optional, but a really good idea.

Houseowner insurance is compulsory.

Can I refinance my home loan with Citibank?

Yes you can. By taking advantage of your property appreciating value, you can have additional funds to spare for your child's education needs or home renovation purpose. 

Citibank FlexiHome Loan offers among the best refinance interest rates that help you save more on interest payment and get some cash out!

Who can apply for this housing loan?

If you wish to apply, you must be at least 18 years of age. 

To be safe, it would be good to have an income no less than 3 times the monthly installment, to ensure you will be financially able to pay off the loan.

What documents do I need to provide when I make a home loan application?

If you are an employee earning a salary:

  • Front and back copy of NRIC
  • Latest 3 months salary slip
  • Latest EPF statement
  • Sales & Purchase Agreement / Title or Booking Receipt, where applicable

If you are self-employed:

  • Front and back copy of NRIC
  • Income tax returns - latest BE, B or EA Form (where applicable)
  • Form 24 and 49 (business registration forms, if applicable)
  • Last 6 months bank statements
  • Sales & Purchase Agreement / Title or Booking Receipt (where applicable)
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