Processing Time

10 working days

Interest Rate

9.30% onwards

Processing Fees

Up to 1.00% + ST

Pre-Payment Fees



1 - 25 years

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Citibank Home Loan on Rubique
Home Loan

Apply Citibank Home Loan Online @9.30% Interest Rate Onwards

  • Easy home loan up to Rs. 10 crore
  • Flexible repayment tenure up to 25 years
  • Home loans up to 80% of the property value
  • Flexibility to pay interest only during construction period
  • Home credit facility available - a bank account in Citibank will be linked to your home loan. Surplus money above a threshold limit, will be deducted from outstanding loan amount for calculation of interest on daily basis
  • No requirement for co-borrowers/guarantors
  • Home loans available for NRI's with easy processing in select geographies
  • Age: min 18 years to max 65 years at the end of loan tenor
  • Eligible property: new house in approved projects, resale flats, construction of own house on a plot, balance transfer of existing home loan
  • For salaried individuals: the loan amount is based on the last 3 months' average salary & form no. 16 & for others, it is calculated on the last 2 years' ITR
  • Regular & sound banking habits
  • Minimum residence stability of 2 years
  • Minimum employment stability of 3 years
  • Credit reference: the applicant should have a sound credit history
  • KYC documents: identity proof, residence address proof, age proof, latest photograph, signature verification, proof of contact ability, proof of experience, proof of stability residence
  • Banking statements: latest 6 months' processing fee cheque;
  • New home loan in an approved project: copy of the allotment letter / buyer agreement receipt/(s) of payment/(s) made to the developer
  • Loan for resale home: draft copy of sale agreement (in case of purchase transaction). Property sale agreement along with entire previous chain of sale agreements receipt/(s) of initial payment/(s) made to the seller. Share certificate, occupancy certificate / approved plan copy
  • For balance transfer: a letter on the letter head of the existing lender, stating the list of property documents held by them. Latest outstanding balance letter from existing financial institution on their letter head. Photocopy of the property documents (including own contribution proof)
  • Loan for constructing your own home: title deeds of the plot; proof of no encumbrances on the property; copy of the plans approved by the local authorities; construction estimate by an architect / civil engineer
  • Additional documents
  • For salaried: latest 3 months' pay slips; form no.16; employment stability proof
  • For self-employed professional: education qualification certificate; business stability proof / ownership proof; income tax returns with computation of income for last 3 years; last 3 years' CA certified / audited balance sheet and profit & loss account
  • For self-employed non-professional: education qualification certificate; income tax returns with computation of income for last 3 years; last 3 years' CA certified / audited balance sheet and profit & loss account; business stability proof / ownership proof
  • Processing Fees: Up to 1.00 % + ST
  • Partial pre-payment Charges: Nil
  • Pre-closure Charges: Nil
  • No offers available.
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