#8
Citibank Home Saver 2-Year Fixed & 1M SORA Package
From 1.75% p.a.(S$1.75)
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Citibank Home Saver 2-Year Fixed & 1M SORA Package from [Citibank Singapore](/entity/citibank-singapore) prices from 1.75% p.a. (2-Year Fixed / 1M SORA, benchmarked against 1M Compounded SORA (1.36%)) with a 2-year lock-in and Up to S$3,000 Citigold refinancing subsidy.
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Citibank Home Saver 2-Year Fixed & 1M SORA Package from Citibank Singapore prices from 1.75% p.a. (2-Year Fixed / 1M SORA, benchmarked against 1M Compounded SORA (1.36%)) with a 2-year lock-in and Up to S$3,000 Citigold refinancing subsidy.
Key Metrics
Specifications
LenderCitibank Singapore
Package Structure: 2-Year Fixed / 1M SORA
Year 1 Effective Rate1.75% p.a.
Benchmark / SORA1M Compounded SORA (1.36%)
Lock-In Period2 years
Minimum Loan SizeS$500,000
Refinancing SubsidyUp to S$3,000 Citigold refinancing subsidy
Offset / Account LinkCitibank Home Saver interest offset + Citigold wealth integration
Pros and Cons
Pros
- 1M Compounded SORA option resets monthly to pass through rate drops faster than 3M SORA
- Strong Citigold wealth-relationship fee waivers and refinancing subsidies
Cons
- Sub-S$1M non-Citigold fixed boards price higher (~2.15%–2.25% p.a.) than local trio promotional tiers
- Subject to Citibank Singapore Singapore Key Facts Sheet & campaign T&Cs
Eligibility
- Minimum loan quantum S$500,000
- subject to MAS Total Debt Servicing Ratio (TDSR <=55%) and Mortgage Servicing Ratio (MSR <=30% for HDB/EC). 1M SORA monthly reset tracks MAS rate cuts faster than 3M SORA
Things to Watch Out For
- Sub-S$1M non-Citigold fixed boards price higher (~2.15%–2.25% p.a.) than local trio promotional tiers
- Subject to Citibank Singapore Singapore Key Facts Sheet & campaign T&Cs
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