Home Mortgage

Citibank Home Mortgage Building your dream home through ease of ownership

Citibank Home Mortgage Loan Allowing you to own your dream house with greater financial flexibility

Mortgage Loan

Dreaming of owning your perfect home? Citibank will work with you to get the home mortgage to buy it. As a leading global financial services company, our expertise in home loans are at your service.

We offer a maximum home loan tenure of up to 30 years, flexible home loan payment methods, flexible interest rate structures, personalized service and short approval. Make your dream home a reality. Apply for a home mortgage today.

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  • Dedicated Mortgage Specialist Team

    Personalised service to guide you through the entire process.

  • Competitive Mortgage VIP Privileges

    The account maintenance fee will be waived for all mortgage loan customers1. In addition, Mortgage VIP customers will enjoy more attractive loan features and lower fees.

  • High Financing Support2

    You will receive exceptional credit line subject to the purchase or appraised price of your property, whichever is lower.

  • Competitive Rate3

    You will be offered competitive interest rate based upon the respective local regulation requirement on the loan rate determination.
    The interest rates are calculated with simple interest calculation method and converted into annualized rate4. For more details, please refer to the Mortgage Loan Agreement.

  • Maximum Loan Tenure up to 30 Years

    Enjoy greater cash flow management and reduce repayment burden with a loan tenure of up to 30 years.

  • Short Approval Time

    Get your preliminary loan approval within 3 working days upon submission of the required documents.

  1. The waiver of fees applies with a valid mortgage loan. It starts upon you sign your mortgage agreement and the mortgage disbursement is occurred. And when your mortgage ends, it no longer applies.
  2. Mortgage loan application is now available at all of our branches/sub-branches in Shanghai, Beijing, Guangzhou, Shenzhen, Hangzhou,Chongqing,Chengdu and Nanjing. The maximum loan amount is subject to the requirements of laws and regulations.
  3. Starting from October 8th, 2019, RMB loan will use the new LPR to determine interest rate.
  4. The annualized interest rates are calculated based on IRR calculation method.
Outstanding Advantages
  • Exciting Offers for Home Mortgage
      Citibank will not charge loan service fees and will pay relevant handling fees for customers, including valuation fee, legal fee, basic property insurance fee, and notarization fee for foreigners.
      *Waiver of the above fees only applies to Home Mortgage. For detailed fee charge, please refer to “Consumer Mortgage Loan Fee Table” in relevant branches.
  • Flexible Loan Payment Methods to Suit Your Needs
    • Fixed Installment
      It helps you to build a fixed cash flow, and manage your debt in a systematic way.
    • Fixed Principal (Reducing Balance)
      It helps you to pay up your loan principal quicker, and lowers your interest payout.
  • Flexible Interest Rate Structures to Manage Your Cash Flow
      Interest rate for RMB mortgage will be updated annually based on the latest LPR. For more details, please consult with our mortgage specialist1.
  • Professional Services
      Professional lawyers explain contract for you, and accompany you to perform mortgage registration, making the whole process more secure and free from worry.
  1. Starting from October 8th, 2019, RMB loan will use the new LPR to determine interest rate. For Loans disbursed before Oct 8th 2019 or Loan Contract signed before Oct 8th 2019 and disbursed on/after Oct 8th 2019 will be in accordance with the original contract.
Application Flow Chart
Home Mortgage Loan Application Flowchart
Documents Required for Application
  • Your Personal Identity Documents
    • Local Residents: ID card
    • Hong Kong, Macao and Taiwan Residents: Hong Kong or Macao ID card and entry card, Taiwanese entry permit, Hong Kong/Macao/Taiwan Resident Card and relevant documents to certify domestic working experience for over 6 months.
    • Other Countries: Passport, with relevant documents to certify domestic working experience for over one year.
  • Your Family Documents
    • Marital status proof/ Single status proof (if applicable)
  • Your Property Documents
    • Original notarized sales & purchase agreement or sales contract
    • Bank account authorization of seller
    • Invoice or receipt of down payment
    • Certificate of seller’s real estate ownership
  • Your Income Proof
      Salaried employees provide bank statement showing salary record, with one of the following documents:
    • Personal income tax receipts; or
    • Payroll certificate (original) with company chop

Note: The bank will require customers to provide other relevant documents based on customer’s specific qualification.

  • The information contained in this webpage is for reference only.Due to laws, regulations or market practice change from time to time, the information presented is subject to update without prior notice.
  • Citibank (China) Co., Ltd. has the sole discretion to interpret the information and reserves the right to modify or update the content from time to time without prior notice. In the event of any disputes, the bank reserves the right of final decision.