HOME SAVER LOAN - APPLICATION FORM

IMPORTANT: To apply, simply complete and send in this application form with the required supporting documentations. Please read carefully the
Applicant(s) Confirmation and Declaration section below.
If you wish to have a free credit report, you may obtain it within 30 calendar days from the date of approval or rejection of this application via the
credit bureau websites listed below. Alternatively, you may bring the approval or rejection letter and your NRIC to the following credit bureau’s
registered office to obtain a free credit report.
• Credit Bureau (Singapore) Pte Ltd l www.creditbureau.com.sg
The Citibank Home Saver Loan mentioned in this application form is not offered to individuals resident in the European Union, European Economic
Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, and The Isle of Man. This application form is not, and should not be construed as,
an offer, invitation or solicitation to such individuals to apply for any Citibank Home Saver Loan.
PERSONAL DATA
Main Applicant   Borrower Owner Joint Applicant   Borrower Owner
*tick where is applicable *tick where is applicable

Full name as in NRIC/passport NRIC No./ Passport No. Full name as in NRIC/passport NRIC No./ Passport No.
(underline surname) (underline surname)

Mr Mdm Mrs Ms S8338962A Mr Mdm Mrs Ms S8684118E

LIN YUKAI LEON WONG WEI KUM

Email Address Mother’s Maiden Name Email Address Mother’s Maiden Name
(for security verification) (for security verification)
leonlinyukai@gmail.com
Toh San Choo Lew Toong Lian
Nationality Nationality
 Singaporean Singapore PR Others Singaporean Singapore PR Others

Marital Status Marital Status

Single Married Others Single Married Others
17 Nov 1983
Date of Birth ________Day________Mth__________Yr Date of Birth ________Day________Mth__________Yr
23 June 1986

Education GCE ‘O’ GCE ‘A’/Pre-U Diploma Education GCE ‘O’ GCE ‘A’/Pre-U Diploma

Degree Others Degree Others

Employment Information Self Employed Employed Employment Information Self Employed Employed
Nature of Business Manufacturing Nature of Business Retail

Name of Employer and Office Address Name of Employer and Office Address
STMicroelectronics LONDON WEIGHT MANAGEMENT (S) PTE LTD
18 Ang Mo Kio Ind Park 2, Singapore 569505 3155 Commonwealth Ave W, Singapore 129588
Job Title Length of employment Job Title Length of employment
Process Engineer II _______Yr________Mth
10 Branch Manager 13
_______Yr________Mth
Name of Previous Employer Length of previous employment Name of Previous Employer Length of previous employment
_______Yr________Mth _______Yr________Mth
Home Address Jalan Dusun Blk 106 Unit 04-17 Home Address Jalan Dusun Blk 106 Unit 04-17

Postal Code 320106 Postal Code 320106

Residence Status Owned   Mortgaged   Parents’/Relatives’ Residence Status Owned   Mortgaged   Parents’/Relatives’
Rented   Others Rented   Others
Office Tel Handphone* 97718341 Office Tel Handphone* 98182650

Preferred Mailing Office Address (indicated above)

Relationship with Main Applicant Spouse
 Home Address (indicated above)
*Your second level of authentication for online transactions will be sent by SMS to this mobile phone number. (Not applicable for IPB Customers)
**Where there is a main and joint applicant, the mailing address indicated on this form will be used for all banking account(s) held jointly. (Not applicable for IPB Customers)

SOURCES OF GROSS MONTHLY INCOME IN THE LAST 12 MONTHS

Type Amount/value Type Amount/value

Fixed income (e.g. salary) 84,594.00 Fixed income (e.g. salary) 143,825.00

Variable income (e.g. Variable income (e.g.

commission, bonus or allowance) commission, bonus or allowance)

Rental income Rental income

Eligible financial assets*: Eligible financial assets*:

*Eligible financial assets mean (a) Singapore dollar deposits, (b) units in a collective investment scheme authorised by the MAS, (c) units in a business trust registered with the MAS, (d)
debentures or stocks or shares issued or proposed to be issued by a government, corporation or body unincorporated, (e) structured deposits, (f) foreign currency deposits and (g) gold,
which have a secondary market or have a reasonable basis for valuation, and to the extent unencumbered.

Page 1 of 4
 RELEVANT CREDIT FACILITIES (AS DEFINED IN SECTION 9 OF THE APPLICANT(S)
CONFIRMATION AND DECLARATION SECTION)
Please provide details of all Relevant Credit Facilities (including (a) Relevant Credit Facilities that have been disbursed but not fully repaid,
(b) Relevant Credit Facilities that have not been disbursed, and (c) applications for Relevant Credit Facilities that are pending approval.)
Main Applicant Joint Applicant
No. Facility Type(s)* Lender(s) Monthly No. Facility Type(s)* Lender(s) Monthly
Instalment Instalment

*Includes mortgage loan, home equity/cashout loan, personal loan, motor vehicle loan and credit card.

MY FINANCIAL REQUEST

Term Loan Amount S$ 10027500 For 27 Years Purpose of Cashout ________________________

Requested Term Loan Amount S$ For Years CPF Lump Sum for Purchase / Prepayment Yes S$ No
Use of CPF for Legal Fees  Yes S$ 3000 No Interest Rate Structure Fixed    Floating
Use of CPF for Monthly Instalment  Yes No
Purchase Refinancing / Cashout
Purchase Price S$ 1370000 Existing Bank
Bridging Loan Required S$ Fully Paid Yes   No
Use of CPF for Stamp Duty  Yes S$ No
Term Loan Used Towards Purchase of Subject Property
[      ] I have received discount(s), rebate(s), or other benefit(s) (e.g. where
the interest charges of any credit facility obtained for the purchase of the Outstanding S$ Undisbursed S$
Subject Property is paid or payable by the vendor or any third party) worth Current Term Loan Secured Against Subject Property (Cashout)
S$ ________________ (insert amount) from ______________________________ Purpose of cashout
(insert name) (e.g. the vendor, developer or any third party) in connection with
Outstanding S$ Undisbursed S$
my/our purchase of the Subject Property.
OR


[       ] I have not received any discount, rebate, or other benefit from the
vendor, developer, or any third party in connection with my purchase of the
Subject Property.

Purchase with Tenancy  No   Yes

MY PROPERTY TO BE MORTGAGED
Address of Subject Property Freehold Own Use Property Age

Leasehold Own Investment

Postal Code
Property Stage Payment Scheme   Renovation Built In Area
Completed   Progressive Payment   Amount S$ ___________
Under Construction   Deferred Payment Since _______________Yr Land Area
Type: Condo APT Int-Terr Cor-Terr Semi-D HUDC Exec Condo Law Firm Name
Cluster Others No. of Storeys

DETAILS ON THE SALE OF EXISTING PROPERTY (IF APPLICABLE)*

Address of existing Property to be sold:

Property Type:
*Please submit a copy of the option to purchase and/or sale and purchase agreement if available.

BANK PRODUCTS^ & SERVICES

Debit Instructions
Please debit any applicable fees and the monthly instalments for my Citibank Home Saver Loan from the following account:

Main Applicant/Joint Applicant’s Citibank A/C No. – –

 (Maxisave
A new Maxisave account^/Checking account which I have authorised the Bank to open in connection with the Citibank Home Saver Loan.
account not applicable for IPB Customers)

Page 2 of 4
 SERVICES
I understand and am aware I will receive Electronic Statements & Advices for my Citibank Home Loan account(s). All my Citibank Home Loan
statement of account(s) and advices, except for Mortgage Interest Statements (IRS Form 1098)(applicable only for US persons) and annual fire
insurance renewal letters will be available electronically and will not be mailed to me in paper form. Other ad-hoc communication related to my
Citibank Home Loan, will continue to be mailed to me in physical copies or via other means as decided by the Bank from time to time. By signing below
(Page 4 – Applicant(s) Confirmation and Declaration), I accept and agree to be bound by the Citibank Online User Agreement (which is available at
www.citibank.com.sg), governing the Electronic Statements & Advices.

TRANSACTION PROFILE
Expected Monthly Volume (S$)
Main Applicant Joint Applicant

Cash S$0 S$1 – S$50,000 S$0 S$1 – S$50,000

Wire Transfer S$0 S$1 – S$100,000 S$0 S$1 – S$100,000

Cheques / Drafts S$0 S$1 – S$200,000 S$0 S$1 – S$200,000

As a Main Applicant, I confirm that I am opening As a Joint Applicant, I confirm that I am opening
this account for the mortgage transaction. this account for the mortgage transaction.
(Please circle accordingly) (Please circle accordingly)
Business Income / Personal Savings / Rental Business Income / Personal Savings / Rental
Source of Funds: Income / Investment / Sale of property / Pension Income / Investment / Sale of property / Pension
/ Salary / Others: ______________ / Salary / Others: ______________

Cash / TT or Inward / Cheque / Electronic Transfer Cash / TT or Inward / Cheque / Electronic Transfer
Type of Funds:
from Employer / Others: ______________ from Employer / Others: ______________

Savings / Business Income / Inherited Wealth Savings / Business Income / Inherited Wealth
Source of Wealth / Sale of Investment / Payroll / Directorship / / Sale of Investment / Payroll / Directorship /
Rental Income / Others: ______________ Rental Income / Others: ______________
^Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per deposit or per
Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

TAX STATUS DECLARATION

By checking the appropriate box and signing this application form, I declare my tax status under U.S. tax law. I understand that a false statement or
misrepresentation of tax status by a U.S. person could lead to penalties under U.S. Law:
Main Applicant Joint Applicant
– – – –
U.S. person U.S. person
U.S. Tax ID Number: U.S. Tax ID Number:
[Form W9 required] [Form W9 required]
Non-U.S. person with a U.S. address Non-U.S. person with a U.S. address
[Form W8BEN required] [Form W8BEN required]
 Non-U.S. person  Non-U.S. person

FATCA DECLARATION FOR INDIVIDUAL ACCOUNTS

Note: The information in this section is being collected because of enhancements to Citi’s new account on-boarding procedures in order to fully comply with
Foreign Account Tax Compliance Act (FATCA) requirements.
# Indicia of U.S. Status Account Holder / Power of Attorney Account Holder / Power of Attorney

1 Please list all countries for which you hold citizenship /

nationality

2 Please list all countries for which you hold tax

residency

3 (a) What is your country of birth?

3 (b) What is your city of birth?

4 Do you have a U.S. Green Card? Yes    No Yes    No

1. I represent and warrant that I am not a U.S. Person and that I am not acting for or on behalf of a U.S. Person. The definition of a U.S. Person can be found
in the Citibank Home Saver Terms and Conditions. I undertake that if my tax status or the tax status of any person for whom I am acting changes and I/
any such person for whom I am acting become(s) a U.S. Person, I shall notify you within 30 days thereof. In such an event, I agree that I will complete all
requisite forms relating to my new tax status and you shall be entitled to do all acts and things reasonably necessary for it to comply with any Law or
Regulation (as defined in the Citibank Home Saver Terms and Conditions). I agree to bear all costs and expenses incurred by you as a result thereof.
2. For purposes of complying with any Law or Regulation, I shall provide you with any information as you may require from time to time, and shall update
such information as you requires from time to time to enable you to comply with such Law or Regulation, and we further waive any bank secrecy, privacy
or data protection rights related to my loan and/or account.

Page 3 of 4
 APPLICANT(S) CONFIRMATION AND DECLARATION
1. I confirm that I am applying for a Citibank Home Saver Loan for my own use and not for the motor vehicle will pass to me if the terms of the agreement are complied with and one
benefit of another party. or more of the following occur: (A) the exercise of an option to purchase by me; (B) the
2. I agree to be bound by: doing of any other specified act by me or any party to the agreement and/or (C) the
(a) the Citibank Singapore Global Consumer Banking Terms and Conditions and the Citibank happening of any other specified event.
Home Saver Terms and Conditions (as each of such terms and conditions may be 10. Unless otherwise agreed by Citibank, the funds from the Citibank Home Saver Loan (if this
amended from time to time), copies of which are available on https://www.citibank.com. application is approved) shall only be used for such purpose(s) approved by Citibank.
sg/mortgage_tncs/; and 11. I authorise you to obtain and verify any information about me as you deem fit in your
(b) the Citibank Singapore Circular Relating to the Personal Data Protection Act 2012 (as may reasonable discretion. I authorise the transfer and disclosure of any information relating to
be amended from time to time)(“Citibank Privacy Circular”), a copy of which is available me (including information you obtain from third parties such as any credit bureau recognized
on https://www.citibank.com.sg/mortgage_tncs/. by the MAS under or pursuant to the Banking Act (Chapter 19) from you to and between the
3. I understand that the Citibank Privacy Circular shall apply to all personal data that I have branches, subsidiaries, representative offices, affiliates and agents of Citibank, N.A and third
provided or may provide to you and I consent to your collection, use, disclosure and processing parties selected by any of them or you, wherever situated, for confidential use (including
of my personal data in accordance with the Citibank Privacy Circular. for use in connection with the provision of any products or services to me, and for data
4. I represent and warrant: processing, statistical and risk analysis purposes, global cash services, dealings in securities
(a) I am not in default in the payment of or performance of any of my obligations for monies on the Singapore Exchange Securities Trading Limited and any other relevant authorities and
borrowed by me from any lender. agencies pertaining thereto). You and any Citibank, N.A branch, subsidiary, representative
(b) I am not an undischarged bankrupt. office, affiliate, agent or third party selected by any of them or you may transfer and disclose
(c) There are no current or pending or threatened legal proceedings or bankruptcy any information may be required by any applicable law, court, regulator or legal process.
proceedings against me or statutory demands served on me to my knowledge. 12. Without prejudice to the generality of the foregoing, where you are a member of, or subscriber
(d) No debt repayment scheme under the Bankruptcy Act (Chapter 20) is applicable to me. for the information sharing services of, any credit bureau recognised by the MAS under or
(e) That all information and documents given to you in connection with this application are pursuant to the Banking Act (Chapter 19), I authorise:
accurate, complete and not misleading. If any information given becomes inaccurate, (a) you to transfer and disclose to any such bureau; and
misleading, incomplete or changes in any way, I will promptly notify you of such changes. (b) any such bureau to transfer and disclose to any fellow member or subscriber as may be
5. I authorise you to obtain and verify any information about me from any source including the HDB, recognised as such by MAS, any information relating to me, my particulars and/or my
any credit bureau or credit reference agencies, financial institutions, government authorities and/or accounts with you (and for such purposes) as may be permitted under or pursuant to
any other entities and I consent to your disclosure of this information to any third party. the Banking Act (Chapter 19),
6. I understand that: any information relating to me, my particulars and/or my accounts with you (and for such
(a) This application and all information and documents provided by me will remain your purposes) as may be permitted under or pursuant to the Banking Act (Chapter 19).
property whether or not it is approved. 13. I further irrevocably and unconditionally consent to your disclosure of any customer
(b) You reserve the discretion to approve or decline this application without giving any information (as defined in the Banking Act (Chapter 19)) relating to me or any information
reason. I acknowledge that you will not be responsible for any loss, cost, expenses or whatsoever relating to me as you shall consider appropriate to the Central Provident Fund
liabilities incurred by me arising from the rejection of this application or as a result of the Board for any purpose whatsoever. The rights conferred hereunder shall be in addition to
time taken to process this application including any delay arising for whatsoever reasons. and shall not be in any way prejudiced or affected by any other agreement or any provision
7. I declare that except as indicated in the My Financial Request section of this application and/or herein, expressed or implied, between me and you. This consent and provision shall survive the
any other subsequent information or document furnished to you: termination of any or all of my accounts or facilities with you for any reason whatsoever.
(a) no other interest in respect of any credit facility relating to the purchase of the Subject 14. I hereby confirm that I am the beneficial owner of the Checking Account. Where the Checking
Property, has been paid or is payable by the vendor, its agent, nominee or any person by Account is opened in-trust-for someone else, I undertake to provide any information that
arrangement with the vendor, irrespective of whether payment is made to you or as a Citibank may require to identify the beneficial owner of the Checking Account.
benefit to me; 15. For the purposes of expediting the processing of my application, I authorise your staff (acting
as agents for you) to make such amendment(s) to this application form as instructed by me
(b) no other discount, rebate or any other benefit (including the payment of legal or stamp from time to time (including after this application form has been signed by me). I further agree
fees for the purchase) which has the effect of reducing the true purchase price of the that I will countersign against all such amendment(s) to this application form and my signature
Subject Property has been or will be received from the vendor or any other party; and shall be conclusive evidence of my confirmation/acceptance of such amendment(s).
(c) no other credit facility was granted by any financial institution regulated by the MAS or 16. It is my responsibility to comply at all times with any Law and Regulation (as defined in the
moneylender for the purchase of or otherwise secured by the Subject Property and no Citibank Home Saver Terms & Conditions) in my use of Citibank’s Services (as defined in
vendor’s loan was granted for the purchase of the Subject Property. the Citibank Singapore Global Consumer Banking Terms and Conditions), including any tax,
8. I declare that other than as indicated in the Sources of Gross Monthly Income In The Last 12 foreign exchange or capital controls, and for reporting or filing requirements that apply as a
Months section of this application form (including the information indicated in the supporting result of my country of citizenship, domicile or residence or the location where such Services
documents at any time together with or after the submission of this application in respect are provided and related activities may be conducted.
of the said section), there are no other sources of gross monthly income (as defined in MAS 17. I request that you introduce, offer or provide me with information relating to Products and
Notice 645 and as may be replaced, supplemented or amended from time to time) earned by Services which you consider may be of interest to me. I agree that Citibank will from time
me in the preceding 12-month period from the date of this application. to time communicate information in relation to such Products or Services to me either
9.     Other than as set out in the Relevant Credit Facilities section of this application form and as specifically or generally to all customers like me via such communication modes as Citibank
disclosed by any credit bureau to Citibank for purposes of assessing my credit worthiness in considers appropriate.
connection with this application (including the information indicated in the supporting documents 18. Where there is more than one applicant, each applicant acknowledges that all representations,
submitted at any time together with or after the submission of this application form): warranties, declarations, covenants, authorisations herein are deemed to be made by and
(a) I do not have any Relevant Credit Facility(ies) obtained (whether in my name or jointly apply and be binding on all applicants jointly and severally.
with any other person or entity) from the HDB, any financial institution or moneylender 19. Definitions
(each a “Lender”) where the funds under the Relevant Credit Facility have not been “Citibank”, “you” and “your” shall mean Citibank Singapore Limited.
disbursed or have been disbursed but not fully repaid: “Checking Account” has the meaning given to it in the Citibank Home Saver Terms and Conditions.
(b) I am not applying for any Relevant Credit Facility(ies) (whether in my name or jointly with “MAS” refers to the Monetary Authority of Singapore.
any other person or entity) from any Lender or any person by whom a motor vehicle is to “Products” refers products which Citibank may in its discretion agree to make available to me from
be bailed to me as a hirer under a hire-purchase agreement (“owner”); time to time, including but not limited to those products listed under the general section in the Citibank
(c) I have not applied for any Relevant Credit Facility(ies) (whether in my name or jointly Singapore Global Consumer Banking Terms and Conditions entitled “PRODUCTS” and as set out in
with any other person or entity) from any Lender or any owner since the date falling six Citibank’s online portal www.citibank.com.sg, and the term “Product” shall be construed accordingly.
months prior to the submission of this application; “Senior Public Figure” is a senior official in the executive, legislative, administrative, military or judicial
(d) I have not entered into any hire-purchase agreement (whether in my name or jointly with branches of a government, whether or not elected, a senior official of a major political party, or a senior
any other person or entity) with any owner where (i) no periodic payments are required to executive of a government-owned or government-funded corporation, institution or charity. “Senior
be made under the hire-purchase agreement yet; or (ii) there is any outstanding periodic Public Figure” also includes any entity that has been formed by or on behalf of a Senior Public Figure,
payments to be made under the hire-purchase agreement; and
(e) I have not obtained any Relevant Credit Facility(ies) in respect of which I am a guarantor. in which the Senior Public Figure is a beneficial owner of at least twenty-five percent of the entity
For the purposes of section 9 above: or exercise actual or effective control over the entity. In addition, a “Senior Public Figure” includes
(i) “Relevant Credit Facility” means any of the following types of credit facilities: (i) a credit the immediate family of a Senior Public Figure and any close associate or relative of a Senior Public
facility for the purchase of Property (“Mortgage Loan”); (ii) a facility to re-finance a Figure. A close associate is a person who is widely and publicly known to maintain an unusually close
Mortgage Loan; (iii) a credit facility otherwise secured by Property (“Equity Loan”); (iv) a relationship with and able to conduct financial transactions on behalf of a Senior Public Figure.
facility to re-finance an Equity Loan; (v) a secured revolving credit facility; (vi) an unsecured “Services” refers to the services which Citibank may in its discretion agree to make available to
revolving credit facility; (vii) any other credit facility, including motor vehicle loans, share me from time to time, including but not limited to those services listed under the general section
financing loans and bridging loans (except bridging loans with a tenure of six months or in the Citibank Singapore Global Consumer Banking Terms and Conditions entitled “SERVICES”
less); and (viii) any hire-purchase arrangement set out in a hire-purchase agreement. and as set out in Citibank’s online portal www.citibank.com.sg, and the term “Service” shall be
(ii) “Property” means any property that is located in or outside Singapore. construed accordingly.
(iii) “hire-purchase agreement” means an agreement, under which (i) a motor vehicle is “Subject Property” refers to the property identified in the My Property To Be Mortgaged
bailed to me as the hirer in return for periodical payments and (ii) the property in the section of this application.

Main Applicant   Joint Applicant  

Name: LIN YUKAI LEON Name: WONG WEI KUM
NRIC/ID/PP No.: S8338962A NRIC/ID/PP No.: S8684118E
Met Mortgage Specialist at my work place /my home/ others :_________ Met Mortgage Specialist at my work place /my home/ others : _________

Signature ____________________________________________________ Signature ____________________________________________________

Date Date

REFERRAL DETAILS
I am aware that an incentive may be paid to the referrer and I consent to you disclosing to such person that this loan application has been made,
whether it was successful and any other information relating to this application and the loan as you deem fit.
I came to know about Citibank Home Saver Loan through:
Branch: ____________________________________________ Friends* Property Agents* Citibank Staff* Financial Planner* Internet
Developer Sales Staff* Others: _________________
*Please provide full name: ____________________________________________________________________________________________

FOR OFFICE USE ONLY

SOURCE REFERRAL DATE RECEIVED BANK’S SOLICITORS
CERTIFIED TRUE COPY Citibank Staff Full Name: __________________________________________

(SIGNATURE) GEID No: ________________________________________________________

Terms and Conditions apply. Citibank full disclaimers, terms and conditions apply to individual products and banking services. ©2019 Citibank. Citibank is a registered service mark of Citigroup Inc. Citibank Singapore Limited
Co. Reg. No. 200309485K Printed on 11/2019
Page 4 of 4