Citibank Home Loan Refinancing
Citibank offers refinance home loans with preferential interest rates for its Citigold banking customers, and legal subsidies of up to $2,500 for all refinancing customers. Also, you'd want to make use of the free Citibank refinance home loan calculator on their website.

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Get up to $500 worth of Grab Food/Ride vouchers when you refinance your home loan through MoneySmart!
Citibank Private Property Refinance Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
CitiGold 1-month SIBOR (3) | Floating | 1.42% | 2 years | |
CitiGold 1-month SIBOR (2) | Floating | 1.45% | 2 years | |
CitiGold 2yrs Fixed (3) | Fixed | 1.45% | 2 years | |
CitiGold 2yrs Fixed (2) | Fixed | 1.48% | 2 years | |
CitiGold 1-month SIBOR (1) | Floating | 1.48% | 2 years | |
CitiGold 3yrs Fixed (3) | Fixed | 1.50% | 3 years | |
CitiGold 3yrs Fixed (2) | Fixed | 1.53% | 3 years | |
CitiGold 2yrs Fixed (1) | Fixed | 1.55% | 2 years | |
CitiGold 3yrs Fixed (1) | Fixed | 1.60% | 3 years |
Citibank Building Under Constructions Mortgage Refinance Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
CitiGold 1-month SIBOR Step Up (BUC) | Floating | 1.30% | 0 year | |
CitiGold 1-month SIBOR Flat (BUC) | Floating | 1.35% | 0 year | |
CitiGold 1-month SIBOR Step Down (BUC) | Floating | 1.40% | 0 year |
Citibank HDB Refinance Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
CitiGold 1-month SIBOR (3) | Floating | 1.42% | 2 years | |
CitiGold 1-month SIBOR (2) | Floating | 1.45% | 2 years | |
CitiGold 2yrs Fixed (3) | Fixed | 1.45% | 2 years |
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How to apply for your Citibank Home Loan Refinancing



Citibank Home Loan Refinancing Application Process
Step 1Submit your documents through us
To get started, prepare the necessary documents for refinancing. Start comparing through us when you’re nearing the end of your current loan’s lock-in period, so you can familiarise yourself with the different options available.
Step 2Compare and be informed
After you submit your documents, we’ll dig deeper and find out the best housing loan refinancing package for you. We’ll then advise you and liaise on your behalf once you’ve chosen your new home loan package.
Step 3Refinance your home loan
Make sure that you’re switching to a home loan rate with a lower interest rate than your existing loan. Typically, interest rates increase on the 3rd year due to SIBOR or SOR fluctuations, as well as the increasing interest rate structure of home loan packages. That’s why it’s important to put refinancing on your must-dos.
Why Get Your Home Loan Through Us?
Simple, fast, convenient
Leave your home loan research to us and we’ll break it down for you in simple terms. Our Mortgage Specialist will contact you directly so you can save time for other important things in life.
Get better deals
Feeling so spoilt for choice you can't decide? Settling for the first option is like being forced to marry the first person you come across on a dating app. Don’t feel pressured. We compare across all banks in Singapore to ensure that you get the best deals.
It's free!
Our service to you is free. But, of course we’re not doing this for charity! All banks pay us a standard referral fee for our services and our awesome job done. We don’t take sides or give biased advice.
Vouchers
Get up to S$500 Grab Food/Ride Vouchers when you apply for your Home Loan through us.


Receive up to $500 worth of vouchers when yourefinance your home loan with us!
Learn More
Citibank Home Loan Singapore Review 2019 – Which Mortgage to Choose from Citibank
Best Home Loans in Singapore (2020) — How to Pick the Best Mortgage for Your Property
How to Refinance Your Home Loan in Singapore & Save Money on Your Mortgage