Citihoms Finance Company is a subsidiary of DLM Capital Group, licensed by the Central Bank of Nigeria (CBN) to operate as a finance institution. The company provides a range of financial solutions designed to meet the needs of individuals, salary earners, and businesses across various sectors of the economy.
No. Citihoms Finance Company is not a real estate or mortgage company. We are a financing institution licensed by the Central Bank of Nigeria (CBN), offering financing solutions to individuals and businesses.
Please refer to the Terms and Conditions available on our website by clicking here
Yes. Citihoms provides financing to salary earners and registered business owners.
You can apply by completing our application form or by sending a formal request to support@citihoms.com with the required documentation.
For Salary Earners
For Registered Business Owners
Approval timelines depend on documentation completeness, credit review, and internal approval processes.
Our standard loan rate is 4% per month, subject to the type of financing facility and credit assessment.
Tenure varies by product.
For salary earners, financing can be up to 24 months, subject to eligibility.
Collateral may be required, especially for business financing or higher-value financing facilities.
Financing amounts vary depending on income level, business turnover, credit assessment, and the financing product applied for.
Initial restructuring may be considered. However, continued default may result in enforcement of the agreed collateral or security.
• ₦100,000 – Individual investors
• ₦5,000,000 – Corporate investors
Client funds are deployed across carefully selected lending assets, in line with Citihoms’ risk management and investment strategy.
Returns are structured based on the investment amount and tenure (90, 180, or 365 days). Investors can earn up to 22% gross per annum, depending on the investment tier.
Returns are calculated on a gross per annum basis and are pro-rated for shorter tenures such as 90 or 180 days.
Returns are paid at maturity, based on the agreed investment tenure.
Yes. Investments are locked in for the selected tenure (90, 180, or 365 days).
Yes, you can, but it will incur a fee on your accrued interest.
• Tenure: 180 – 365 days
• Interest rate: 4% flat per month
• Equity contribution: 20% of installation cost
• Management fee: 1%
• Repayment: Monthly repayment via direct debit