Citibank Housing Loans

Four special features of Citibank Loans

1 Borrow up to 200 million yen.

• Citibank's jumbo funding can pave the way to the house of your dreams

2 No credit guarantee fees or surety fees.

• Save Housing Loan initial costs.

When housing loans are guaranteed by surety companies, credit guarantee fees and surety fees are charged. However, with Citibank, you won’t have to pay any such fees.

3 Up to three partial early payments per month can be made free of charge by phone (Reduced period only).

• A great way to reduce your overall interest.

With a Citibank loan, you can repay any extra amount whenever you choose. Furthermore, up to three partial early repayments per month will be free of charge for transactions made by phone (Reduced period only). By making partial early repayments whenever your financial situation allows, you can reduce the overall repayment period of your loan, and in addition, the total amount of interest on the principal. In this way, you reduce the total amount to be repaid.

• *Up to three partial early repayments per month can be made free of charge by phone. Any additional early repayments in any month will each incur a charge of 5,250 yen (Reduced period only).
• *Partial early repayments at a Citibank branch each incur a charge of 5,250 yen (Both reduced period and reduced repayment amount).
• *Partial early repayments can be made 24 hours a day, 365 days a year by phone. Please note, however, that any such repayments made after regular business hours (9:00 to 16:30 on weekdays) will be processed on the next business day.
• *When providing partial early repayments by phone, it is only possible to reduce the payment period. Priority is given to partial early repayments of the bonus portion. Please note that partial early repayments cannot be made instead of scheduled monthly repayments. In addition, monthly repayment amounts cannot be reduced using partial early repayments, nor can the total outstanding amount be repaid as one lump sum.

4 Citibank pays premiums for Group Credit Life Insurance (including disability coverage).

• Group Credit Life Insurance provides cover up to a maximum of 100 million yen.

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