Citibank Housing Loan

Enjoy more savings with competitive interest rates and the option to make extra monthly repayments even during construction, to help you save more on your paid interest. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.

Citibank Housing Loan
Up to 35 years
Interest Rate
from 4.15% p.a.
Loan type
Term 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 RM449,9994.25% p.a.
RM450,000 - RM1,000,0004.2% p.a.
more than RM1,000,0004.15% 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

Why should I choose Citibank Housing Loan?

Applying for a home loan online is easy with Citibank Housing Loan because you can may get approved within 10 minutes! Besides, you can also secure a low competitive interest rate, with financing margin up to 89% for completed and under-construction properties.

Citibank gives you the convenience to make repayment flexibly, either by disciplined monthly instalment or make extra repayment on top of your monthly instalment. No notice is required when you want to make early or extra repayment any time.

In addition, you get to pay less on your interest and make room for more disposable income when you choose to service your interest payment during the construction period.

How does Citibank calculate my interest payments?

The rates on your mortgage with Citibank may change according to the Base Rate (BR). 

Citibank will then calculate on a daily basis the interest payable, based on the outstanding loan amount.

Please refer to the table below to see how Citibank calculates your interest payments:

Loan SizeInterest Rate
<RM450,000BR + 0.85%
RM450,000 - RM1,000,000BR + 0.80%
>RM1,000,000BR + 0.75%

What are my monthly commitments for this home loan?

Depending on your income, borrowing amount, spending and your relationship with the bank - such as owning a Citibank credit card or Citigold account, your Citibank Sales specialist may be able to arrange a better deal on your interest rate than the published rates.

What insurance can I choose with Housing Loan?

It is highly recommended that you take Mortgage Level Term Assurance (MLTA) or Group Mortgage Reducing Term Assurance (MRTA) to reduce the risk of losing your property due to unforseen circumstances.

Houseowner Insurance is compulsory for this mortgage.

Can I refinance my home loan with Citibank?

If you are considering to reduce your monthly repayment and have extra cash in hand for your child's education needs or home renovation purpose, Citibank Home 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?

To apply for this mortgage you must be at least 18 years of age with an income that is no less than 3 times the monthly instalments to ensure that you can financially afford to repay this home loan.

Required Documents

Once you’ve made your decision to apply for the Citibank Housing Loan you'll need the following documents on hand:

For Salaried Employees:

  • Copy of NRIC (front and back)
  • Latest 3 months of your Salary Slips
  • Latest EPF statement
  • Sales and Purchase Agreement or Title or Booking Receipt (where applicable)

For Self-Employed:

  • Copy of NRIC (front and back)
  • 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 (where applicable)
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