Citibank Home Saver

2 Year Lock In Package 80% Financing

For Completed Private & HDB Properties
Thank you for your interest in the Citibank Home Saver. Our home loan package is as follows:
Year 1

Year 2

Year 3

Thereafter

Interest Rate

SIBOR + 0.70%

SIBOR + 0.70%

SIBOR + 0.70%

SIBOR + 0.70%

Effective Interest
Rate*

1.01250% p.a.

1.01250% p.a.

1.01250% p.a.

1.01250% p.a.

*The Effective Interest Rate shown is based on 1 month SIBOR (Singapore Interbank Offered Rate) of 0.31250%, as published
by the Singapore Business Times on 1 June 2011. Minimum loan amount of S$500,000 and Minimum Effective Interest Rate of
0.80% p.a. apply for the above package.
SIBOR (Singapore Interbank Offered Rate) as published by the Singapore Business Times on 1 June 2011:
1 month SIBOR: 0.31250%; 3 months SIBOR: 0.43750%; 6 months SIBOR: 0.56250%; 12 months SIBOR: 0.75807%

Benefits of the Citibank Home Saver

Flexibility to choose between 1/3/6/12 months SIBOR (1 month SIBOR is not applicable for
HDB properties)
Transparency of interest rates
Legal subsidy up to 0.40% of loan amount or S$2,500 whichever is lower
Fees and Penalties
Prepayment Fee
Within Initial Period, Prepayment Fee for full prepayment or partial prepayment is 1.5% of amount
prepaid
No Prepayment Fee is payable for full prepayment or partial prepayment after Initial Period
Breakage Fee
After Initial Period, for full prepayment or partial prepayment made on the expiry date of an
Interest Period, no Breakage Fee is payable
After Initial Period, for full prepayment or partial prepayment made on any date other than the
expiry date of an Interest Period, Breakage Fee is 0.50% of amount prepaid
Reimbursement Fee
Proportionate reimbursement of the legal subsidy and cash reward (if any) will be required for any
partial prepayment within Reimbursement Period
Reimbursement of the legal subsidy, cash reward (if any) and valuation fee for full prepayment
within Reimbursement Period less any Reimbursement Fee previously paid
"Initial Period" means the period commencing from the date of first disbursement of the Term Loan and ending 2 years
thereafter. After the Initial Period, the tenure of the loan will be divided into successive periods (Interest Period). The duration
of each Interest Period will be the same as the SIBOR reference period chosen.
"Reimbursement Period" means the period commencing from the date of first disbursement of the Term Loan and ending 3
years thereafter.

Co Reg. No . 200309485K
01-JUN-2011
Page 1 of 2

Please find enclosed an application form. Kindly complete the form and return the same to us by fax
to 6328 6732/3 together with the following documents: For New Purchase / Refinance Loans
( ) Latest Tax Assessment Or Latest Payslip (For salaried)
( ) Latest 2 years Tax Assessment (For self-employed)
( ) CPF Statement Of Account
( ) Copy of Option to Purchase
( ) Photocopy of NRIC (front & back)
For Refinance Loans Only
( ) Last 6 months Housing Loan Statement
( ) Latest CPF withdrawal statement of account
Important Information
The information provided here is for your reference only; and is subject to confirmation by the Bank. Additional terms and
conditions will apply to the Citibank Home Saver loan. The final terms relating to the Citibank Home Saver loan will be set out in
the Banks facility letter and the Citibank Home Saver Terms and Conditions (as amended from time to time). While every effort
has been made to ensure that the information provided herein is correct, the Bank shall not be liable for any damage or loss
that may be caused to anyone because of any error or omission in the information or as a result of reliance on or interpretation
of any part of the information.
The interest rate quoted to you is benchmarked against the Singapore Interbank Offered Rate ("SIBOR")/SWAP mid rate.
Accordingly, the interest rate quoted to you is indicative and is subject to any fluctuations in SIBOR/SWAP mid rate. The
effective interest rate in respect of your loan will be set out in the Banks facility letter to you and will be computed based on the
applicable SIBOR/SWAP mid rates on the specified reference date(s) and shall include any other pricing component which will
vary according to your home loan package. The Bank is not required to give you advance notice of the SIBOR/SWAP mid rates
which are applicable to your loan.
You may request for a loan repayment schedule based on your choice of loan package. Alternatively, you may retrieve the loan
repayment information at www.citibank.com.sg
Please note that a copy of The Association of Banks in Singapore (ABS) Guide on Home Loan is available upon request. We
recommend that you read the ABS Guide before committing to your Home Loan. The ABS Guide is also available at
www.mas.gov.sg and www.abs.org.sg in four (4) official languages.
All loans subject to Citibanks credit criteria. Other terms & conditions apply.

Co Reg. No . 200309485K
01-JUN-2011
Page 2 of 2