Citibank FlexiHome Loan

A completely flexible home loan so you can pay off your loan whenever you want! Pay extra when you can afford it or withdraw when you need extra cash.

    • Up to 30 years
    • Full-Flexi loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 89% margin of finance
  • You BorrowEstimated Interest Rate
    more than RM4500004.85% p.a.

    *Effective interest rate will be determined by Citibank upon approval.

Apply online now for Citibank FlexiHome Loan

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Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. on amount past due x (number of days past due/365 days) for term loan/financing on a monthly basis
Withdrawal Fee
No Fee
Processing Fee
No Fee
Monthly Maintenance Fee
Early Settlement Fee
3% of total original loan/financing amount
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Cancellation Fee
Up to 3% of total original loan/financing amount.
Insurance Types
  • MLTA
  • MRTA
  • Houseowner Insurance

*inclusive of 6% GST


Are you eligible for this Citibank home loan?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Any nationality
  • Other requirements may apply

Frequently Asked Questions about Citibank FlexiHome Loan

Things you might want to know

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

As the name suggests, FlexiHome from Citibank is a flexible housing loan linked to a current account. 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 mortgage interest –something that's worth considering if you want to own your house fast.

What are my commitments with this home loan?

Well, you’re going to be paying a monthly mortgage instalment which is in itself quite a commitment, that’s for sure.

Whilst we’re on the subject of commitments, it’s worth asking your Citibank loan officer about the interest rate they’re offering. 

Depending 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?

Group 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.

Why should I choose the Citibank FlexiHome Loan?

Any extra cash that you deposit into your linked current account will automatically reduce your interest charges. This is because the interest is based on the combined balance of the outstanding home loan amount and the money in your current account.

There are no charges when you wish to redraw or pay in excess of your installments - goodbye unnecessary fees!

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:

NRIC photocopy
Latest 3 months salary slip
Latest income tax return form (Borang BE) or EA form or EPF statement

If you are self-employed:

NRIC photocopy
Latest 6 months bank statement
Form 24 & 49 (business registration forms, where applicable)
Latest Borang B

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