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CitiBank Home Loan Statement
A home loan is one of the most favored debt instruments today. Home loans are easy to avail of and can be applied for online. The interest rates on home loans are attractive. This helps the borrower avail of loans at lesser rates and build the house of their dreams easily. Citibank has a customer-centric approach and hence ensures loans are available at the best market rates.When you repay your home loan, your repayment generally comprises interest plus the principal amount of the loan. The ratio of interest payment and the principal payment will change throughout the tenure of the loan. It is easy to track your payments and the outstanding amount of the loan when you have a single loan. But, it becomes difficult to track the details and the payment schedules as time passes by and you have multiple loans to cater to.
Here is how the Citibank home loan statement can help in these times.About Citibank home loan statement
- Features of Citibank home loan statement
- Why is a Citibank home loan statement required?
- How to get Citibank home loan statements online?
- How to get the Citibank home loan statement offline?
- How to get Citibank home Loan Statement through the 24x7 CitiPhone helpline number?
- Conclusion
- FAQs of Citibank home loan Statement:
Features of Citibank home loan statement
- Citibank home loan statement is the summarized version of the home loan borrowed
- This statement is generally issued at the end of or the start of any fiscal year
- It is also called the provisional certificate
- Citibank home loan owners can access the statement both offline and online
- You can calculate your debt-income ratio using this statement.
Why is a Citibank home loan statement required?
A Citibank home loan statement has the following information
- Total loan amount, tenure and interest rate
- Outstanding loan, interest and term
- The loan amount that has been repaid
- EMI that has been paid
- Outstanding EMI
- Tax certificate for income tax purposes
- Important dates like the start of the loan, the date when the loan is ending
How to get Citibank home loan statements online?
- Visit the Citibank online portal or their official website
- If you click on the login page, you will be required to fill in the username and password
- After you are successfully logged in, you can access the enquiries tab on the page
- In the enquiries tab, you can select the home loan statement option
- Enter your home loan details as stated in the tab
- You can now download the statement or the provisional certificate in pdf format
How to get the Citibank home loan statement offline?
- Visit the nearest Citibank branch
- Enquire about the home loan statement form and fill in the required details in the form.
- The form will need personal information like PAN card, Adhaar card and home loan details
- After filling out the form you may be required to prove your identity by showing a valid ID proof.
How to get Citibank home Loan Statement through the 24x7 CitiPhone helpline number?
You can also get in touch with Citibank through the 24x7 CitiPhone helpline number and place a request for your home loan account statement. The number is 1860 210 2484. Local charges may be applicable for the call.
Conclusion
A home loan statement should be regularly viewed by the borrower. This can avoid any kind of inconsistencies or mistakes in the statement. The home loan statement gives a true and clear picture of the home loan at present. The borrowers can have a look at the statements at regular intervals so that they know the exact financial calculation and the loan outstanding amount as well.
FAQs of Citibank home loan Statement:
1. do not have my IPIN. How can I log in to the Citibank portal?
The IPIN or Internet Password is provided by the bank on request. If you have not registered yourself for online banking, visit the online portal and click on the ‘First Time User. Register Now banner under the ‘Login’ field. Once the process is completed, your User ID and IPIN will be generated and you can use the same to log in to your account.
2. I am residing outside India at this point in time. How can I get in touch with Citibank?
You can use the Citi Priority or the Business Preferred phone number to get in touch with Citibank if you are outside India. The number for getting in touch with the bank is +91 22 4955 2484.
3. How can I download the Citibank home loan statement online?
You can follow the steps given below
- Visit the Citibank online portal or their official website
- If you click on the login page, you will be required to fill in the username and password
- After you are successfully logged in, you can access the enquiries tab on the page
- In the enquiries tab, you can select the home loan statement option
- Enter your home loan details as stated in the tab
- You can now download the statement or the provisional certificate in pdf format
4. Is a home loan interest certificate a must to claim IT deductions?
If you are a salaried person, and have declared your home loan interest and principal repayment in your IT declaration, then you will need this certificate to submit to your employer for tax calculation purposes. This will reflect in your Form-16.
5. How often can I check my Citibank home loan statement?
You can check it whenever you want. There is no limitation on your accessing your home loan account statement.
6. Are there any charges to get my Citibank home loan account statement?
No, there is no charge to access, view or download your home loan account statement.
7. Can I get a copy of the Citibank Home Loan statement at the branch?
Definitely! You can walk into any Citibank branch and request them to give you a printout of your latest home loan account statement.
