Who is able to submit an application for a Citibank personal bank loan?

Who is able to submit an application for a Citibank personal bank loan?

Citibank unsecured loan happens to be readily available for salaried people, self-employed expert and business people. Current Citibank clients with a Suvidha, Branch or home financing relationship can avail of Citibank personal bank loan.

Repayments

The length of time am I able to try repay the mortgage?

It is possible to repay your loan over a length of 12 to 60 months.

The time scale of the time you are taking the loan over will influence the dimensions of your repayments, therefore you should repay your loan over a longer term if you want smaller repayments. Keep in mind, the longer you are taking to settle your loan, the greater amount of interest you will overall be charged.

May I pre-pay my Unsecured Loan?

Yes. You can easily pre-pay your private Loan. You have got two choices to produce a pre-payment — complete Pre-payment and Partial Pre-payment. You will do a complete Pre-payment by settling the entire loan outstanding within one single repayment. In the event that you prefer to make partial prepayment of the outstanding quantity, it really is a Partial Pre-payment. To create prepayments in complete or component, you’ll want to phone our 24×7 CitiPhone helpline.

Complete Pre-payment of Citibank Personal Bank Loan

For loans scheduled, it is possible to shut your loan account in complete; you can certainly do therefore any right time following the very very very first 12 months as your loan scheduling. For loans booked prior, it is possible to shut your loan account in complete any right time following the very very first 6 months of the loan scheduling.

Partial pre-payments may be made post the initial one year of the loan scheduling. To help make re payments in complete, you’ll want to phone our 24×7 CitiPhone helpline.

Partial Pre-payment of Citibank Personal Bank Loan

You may possibly prepay an integral part of the outstanding stability for the loan susceptible to the next conditions:

  • You’ve got compensated your loan EMIs for at the very least 12 consecutive months since your loan scheduling date.
  • Your prepayment quantity is the same as no less than 2 EMIs and no more than 5 EMIs.

To produce part pre-payment, you’ll want to call our 24×7 CitiPhone helpline. When you inform the financial institution of the intention to prepay, the lender will think about your demand and verify the last amount you meet the criteria to prepay. After making the pre-payment, you’ll have to carry on repaying the EMIs that is subsequent per the payment routine provided by the lender. The partial pre-payment facility can be acquired as soon as in one year.

Whenever do i need to pay Late Payment Charges?

The date that is due the payment of EMIs will probably be 1 st each and every thirty days, after the thirty days of Loan disbursement. re re Payment guidelines will probably be presented from 1 st of any thirty days. We nevertheless donРІР‚в„ўt cost any belated repayment costs in the event the re re payment is delayed.

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Just how do I learn how much is outstanding to my loan?

If you are a current Citibank on line Banking consumer, you will see your present loan stability on the web, nonetheless please be conscious that this isn’t always your settlement that is final figure.

Instead, to discover the outstanding stability on your own personal Loan simply call our 24×7 CitiPhone helpline. They’ll certainly be in a position to supply you with the many current information about your loan.

How frequently will we get a declaration?

Statements are given annual in the 31st of March and mailed to your many address that is recent to us. If you want a declaration released virtually any time, merely call us on our 24×7 CitiPhone helpline figures supplied right here or make use of your Citibank Online IPIN (available on demand) to get into your personal bank loan Account and get your account balance.

wemagine if I do have more concerns?

If you should be Citibank Consumer, be sure to use the ‘online question’ center to write to us. If you’re maybe perhaps not a Citibank Consumer, please phone our 24×7 CitiPhone helpline numbers supplied right right here.

Willing to submit an application for your loan?Click 4 Call.

Information

  • Personal Bank Loan Application
  • Papers Required
  • Private Loan – Loan Agreement
  • Private Loan – Provider Conditions And Terms
  • Private Loan – most terms that are important Conditions
  • Private Loan – Standard Conditions And Terms

Disclaimer:

Stipulations use. Issuance of loan has reached the sole discernment of Citibank, N A. Citibank reserves the best to ask for just about any extra papers from the applicant.

Citibank reserves the best, whenever, with previous notice to add/alter/modify/ modification or differ some of the stipulations or even to change them, wholly or in part.

+ Please note that the Click 4 Call solution can be acquired. This center just isn’t available on National vacations and significant Public vacations.

*The last loan quantity, interest and loan tenure relevant are going to be at the mercy of eligibility, per Citibank’s credit processing requirements.

**Instant call straight back solutions on SMS is present. If you’re instead of Aircel/Airtel/Vodafone/Idea, deliver the SMS. Stipulations use.

^Timelines mentioned include only business days. Timelines talked about would commence when the whole paperwork as per Citibank’s needs are submitted by the applicant.

# Consumer can combine stability of no more than 2 charge cards and 2 unsecured loans. Consumer can avail a debt consolidating loan as much as Rs. 15 Lakh. The last loan quantity and interest price relevant are going to be at the mercy of eligibility, depending on Citibank’s credit processing requirements.

Partial pre-payment is permitted after year of loan tenure. Client can work out this just once in one year. Consumer has to pay in numerous of EMIs. Component pre-payment quantity can be just as much as 5 months EMI quantity and the least 2 month EMI amount. For the amount that is exact client has to phone CitiPhone.

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