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Top Up Your Home Loan
Whether you want to renovate your house or plan for your child's education or meet any other personal or professional needs, make your Citibank loan, your universal loan to fund all your needs. Avail of the top-up facility and get more money on the basis of your repayment record and the current property value.
You can avail a top up loan on your mortgage loan with minimal paperwork.
Top Up Your Home Loan
Whether you want to renovate your house or plan for your child's education or meet any other personal or professional needs, make your Citibank loan, your universal loan to fund all your needs. Avail of the top-up facility and get more money on the basis of your repayment record and the current property value.
Features of Citibank Home Loan Top-up
Special features of Citibank Home Loan Top-up
- Top-up your loan up to Rs 5 Crore*
- Option to take a separate facility that keeps your existing home loan intact
- Attractive interest rates that make the top-up loan one of the cheapest loans available to you
- Special feature that allows you to reclaim your entire principal repaid, with simplified documentation
Home Credit Loans
Citibank offers you to power pack your loan through the unique Home Credit option which lets you decide what interest you pay on your loan.
Home Credit loans operate through Home Credit Account which is a current account linked to your loan. All amounts deposited in the Home Credit account in excess of the threshold amount and subject to a maximum of your outstanding loan is transferred on a daily basis to your loan account to offset the interest being charged on your loan. This amount is always available for withdrawal by you as an overdraft line.
Citibank offers you 2 options in Home Credit Loans that you can choose depending on your needs:
Home Credit Vanilla option gives you the option of maintaining liquidity. An overdraft line is set on the Home Credit account and interest savings arising out of the Home Credit facility go towards increasing this line, which is always available for withdrawal by you.
Home Credit Fast Track gives you the option of repaying your Home Loan faster. Interest saves are adjusted towards reducing your loan outstanding, which effectively reduce the tenure of your loan and help you close your Home Loan faster.
Click here to know more about Home Credit Facility.
Click here to see how you can save interest and reduce tenure using Home Credit Fast Track.
How do I Top-up my existing Home Loan?
You can apply for a Citibank Home Loan Takeover via:
- Citibank Online. Click here to apply now
24*7 CitiPhone Numbers (applicable accross India) Credit Cards / Citibanking / Suvidha / Loans* /
Citi Priority / Business Preferred1860 210 2484 (Local call charges apply)
Use +91 22 4955 2484 for calling us from outside of India.*Operational between 9 AM – 7 PM (Monday – Saturday) except on national holidays.
- SMS HOME to 52484
- Citibank branch
How long will my loan application process take?
The Application will be processed within 15 working days on a best effort basis, on receipt of all the required documents mentioned at the time of application collection. The document requirements are indicative and Citibank reserves the right to request for further documents, if required. Terms and conditions as mentioned in the Loan agreement will apply.
*Terms and conditions apply. All loans are at the sole discretion of Citibank N.A. Citibank reserves the right to ask for any additional documents from the applicant. Citibank reserves the right, at anytime, with prior notice to add / alter / modify / change or vary any of the Terms and conditions or to replace them, wholly or in part. Click here for Most Important Terms and conditions. Please refer to our Schedule of Charges.
Mortgage Loans are available only in Delhi-NCR, Mumbai, Pune, Bengaluru, Chennai, Hyderabad, Jaipur, Coimbatore, Ahmedabad, Chandigarh & Kolkata.
Citibank India does not market any product or service to individuals resident in the European Union, European Economic Area, Brazil, New Zealand, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, and The Isle of Man or the UK. This web page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to individuals resident in the European Union, European Economic Area, Brazil, New Zealand, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, and The Isle of Man or the UK.