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  • Housing Loans

Housing Loans Overview

A housing loan or home loan simply means a sum of money borrowed from a Bank in general to purchase, construct or renovate a house, extend or complete an existing house, purchase a land or condominium apartment. Home loans consist of a variable or fixed Indicative Rate and repayment up to 25 years subject to an individual’s capacity and age requirements. The property is mortgaged to the lender as a security until the loan is fully settled.

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Hatton National Bank Plc
Hatton National Bank Plc Vehicle Loan
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HNB Home Loans
Indicative Rate (P.A) Tenure Max. Loan
22.00% to 25.00% Up to 25 Years Contact Bank
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Features
Attractive interest rates | Grace period up to 5 years (Capital repayment waiver)
Longer repayment terms (up to 25 years) | Legal and other documentation assistance
Speedy approvals | Fixed and floating interest rate options
Home improvement Loans (up to 25% of the original Loan) | Loan / mortgage advisory service at your doorstep
Affiliation with over 100 condominium projects to choose from
Residual option (up to 50% of the capital can be paid as the final installment)
Flexible repayment of the loan capital as you decide | Step-up loan repayment based on your future increase of income

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Amana Bank Plc
Amana Bank Plc Vehicle Loan
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Home Financing
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 20 Years Contact Bank
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More Product Info
Features
Financing up to 20 years*. / Credit approval in 3 days./ Complete process in 14 days.
Tailor-made repayment plans to suit your income capacity. / Low pricing up to Rs. 2 million financing.
Immediate family members can apply jointly. / Early settlement without any additional charges.
Facilities considered for self-employed and Sri Lankans employed abroad.
Grace period for construction and takeover facilities*.

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State Mortgage & Investment Bank
State Mortgage & Investment Bank Vehicle Loan
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Pahan Piyasa
Indicative Rate (P.A) Tenure Max. Loan
23.00% to 24.25% Up to 25 Years Contact Bank
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More Product Info
Features
Affordable interest rates
Ability to apply jointly with spouse
Speedy personalized service with in-house valuation and legal assistance
Speedy personalized service with in-house valuation and legal assistance
Consultation for BOQ preparation and construction

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Cargills Bank Ltd
Cargills Bank Ltd Vehicle Loan
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Home Loans - Salaried Individuals
Indicative Rate (P.A) Tenure Max. Loan
16.50% to 20.50% Up to 20 Years Contact Bank
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More Product Info
Features
Our repayment period extends up to 20 years. | We offer you attractive fixed and variable interest rates.
We charge lower legal fees for your loan. | To buy a house, we help you by offering up to 75% of FSV.
If its construction you are looking at, we go even to the extent of offering up to 80% of BOQ (for construction).
To buy bare land, we offer you up to 40% of the FSV.

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Cargills Bank Ltd
Cargills Bank Ltd Vehicle Loan
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Loan against Property - Self Employed
Indicative Rate (P.A) Tenure Max. Loan
19.50% to 22.00% Up to 5 Years Contact Bank
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More Product Info
Features
Provides loan for Home Renovation / Furnishing | Education | Medical / Hospitalization
Purchasing an Immovable / Movable Property such as House / Building | Bare Land | Vehicle (Registered / Unregistered) | Machinery and / or Equipment

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Pan Asia Banking Corporation Plc
Pan Asia Banking Corporation Plc Vehicle Loan
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Nivasa Home Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 25 Years LKR 25,000,000
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Features
Competitive fixed interest rates | Quick and efficient service
A Nivasa Housing Loan can be obtained for following purposes;
To purchase a block of land or to build a new house
To complete the ongoing construction of a new house or for renovations of an existing house
To repay a loan obtained from a financial institution for housing purposes
To purchase an apartment in a housing complex

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DFCC Bank Plc
DFCC Bank Plc Vehicle Loan
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Home Loans
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 20 Years Contact Bank
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More Product Info
Features
We provide you the choice of flexible or fixed competitive interest rates to suit your cash flows.
Obtain a pre-approved housing loan in 2 working days with a pre-approved housing loan, you can freely decide on an investment with the confidence of knowing your funding has been approved. All we need is your income details and once your selection is complete, the loan will be disbursed on execution of the mortgage over the property.
Fully trained officers throughout our branch network who will guide and assist you during the entire journey. All the necessary information you require is provided during the initial discussion thus saving you valuable time.
Enjoy banking at your doorstep. Please contact any of the contact numbers mentioned below and we will have a bank representative visit your home or office at your convenience.

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HDFC Bank of Sri Lanka
HDFC Bank of Sri Lanka Vehicle Loan
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SHRAMA UDANA
Indicative Rate (P.A) Tenure Max. Loan
29.00% Contact Bank Contact Bank
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More Product Info
Features
To build a house, To add a new part to a house /extensions
To complete a partly built house,
To obtain water facilities, sanitary facilities and electricity
To purchase a house
To purchase a plot of land to build a house, Redemption

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HDFC Bank of Sri Lanka
HDFC Bank of Sri Lanka Vehicle Loan
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Kedella
Indicative Rate (P.A) Tenure Max. Loan
29.00% Contact Bank Contact Bank
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More Product Info
Features
To build a house, To add a new part to a house /extensions
To complete a partly built house
To obtain water facilities, sanitary facilities and electricity
To purchase a house
To purchase a plot of land to build a house, Redemption

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National Development Bank Plc
National Development Bank Plc Vehicle Loan
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NDB Home Loan Max
Indicative Rate (P.A) Tenure Max. Loan
23.75% to 30.00% Contact Bank LKR 10,000,000
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More Product Info
Features
75% Forced save value - Home Loan Outstanding
Second loan offered to existing NDB home loan customers
Offered to fulfill your lifestyle desires
Financing upto a maximum of LKR 10Million (based on the eligibility)
The leeway available on the property could be utilized for any house related purpose
Less documentation

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Cargills Bank Ltd
Cargills Bank Ltd Vehicle Loan
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Home Loans - Self-Employed Individuals
Indicative Rate (P.A) Tenure Max. Loan
16.50% to 20.50% Up to 20 Years Contact Bank
More Rates
More Product Info
Features
Our repayment period extends up to 20 years. | We offer you attractive fixed and variable interest rates.
We charge lower legal fees for your loan. | To buy a house, we help you by offering up to 75% of FSV.
If its construction you are looking at, we go even to the extent of offering up to 80% of BOQ (for construction).
To buy bare land, we offer you up to 40% of the FSV.

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National Development Bank Plc
National Development Bank Plc Vehicle Loan
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'Viyana' Home Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
23.75% to 30.00% Up to 20 Years LKR 2,500,000
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More Product Info
Features
Lowest fixed interest rate
Flexible repayment tenure upto 20 years
Financing from LKR 250,000 upto LKR2.5 million upwards
Loans offered as against a mortgage
Loans could be utilized for any housing purpose except for land purchases

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National Development Bank Plc
National Development Bank Plc Vehicle Loan
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NDB Home Loan - Non Resident Sri Lankan
Indicative Rate (P.A) Tenure Max. Loan
23.75% to 30.00% Up to 10 Years Contact Bank
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More Product Info
Features
Repayment tenure up to 10 years and 05 year for contractual employment
Financing from Rs. 500,000/- upwards
Dedicated personalized team to assist you
Ability to structure the loan to suit your repayment capacity

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Pan Asia Banking Corporation Plc
Pan Asia Banking Corporation Plc Vehicle Loan
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Nivasa StepUp Housing Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 20 Years Contact Bank
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More Product Info
Features
Competitive variable interest rates.
Loan repayment period up to 20 years.
Extendable repayment options to start paying lower installments at the early stages of repayment and increase gradually as your income increases.

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Commercial Bank of Ceylon Plc
Commercial Bank of Ceylon Plc Vehicle Loan
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Foreign Currency Home Loans
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 5 Years USD 100,000
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More Product Info
Features
Special discounts up to 40% for building materials including Roofing sheets, Cement & allied products, Paints & allied products, Floor/ Wall tiles, allied electrical accessories, Wood care products, Bathroom fittings & accessories and PVC pipes & fittings, Hardware items for loans obtained for construction.
Loan approval in 3 days without any additional charges | Longer repayment period
Flexible approach and fast approval | Attractive and competitive low interest rates
Convenience of our island wide branch network

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Sampath Bank Plc
Sampath Bank Plc Vehicle Loan
Apply Online
Sampath Sevana Dayada
Indicative Rate (P.A) Tenure Max. Loan
24.00% Up to 25 Years Contact Bank
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More Product Info
Features
You can apply for a housing loan even at the age of 55
A repayment period of up to 25 years.
Loan disbursement in 10 days (if documents are in order)
Flexible terms and conditions
Affordable interest rate
Can be obtained from our islandwide branch network

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Seylan Bank Plc
Seylan Bank Plc Vehicle Loan
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Loan Against Property
Indicative Rate (P.A) Tenure Max. Loan
Up to 27.00% Up to 25 Years LKR 10,000,000
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More Product Info
Features
Loan for any need.
Loan from a minimum of LKR 3 million up to a maximum LKR 100 million or 75% of the Forced Sale value.
Advisory Service.
Repayment period up to 25 Years, subject to full settlement prior to reaching 60 years of age or Retirement age whichever is earlier.

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Bank of Ceylon
Bank of Ceylon Vehicle Loan
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BOC Sirimedura
Indicative Rate (P.A) Tenure Max. Loan
Up to 21.00% Up to 25 Years Contact Bank
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More Product Info
Features
Bank of Ceylon offers Sirimadura housing loans for customers in 2 visits within 2 weeks
First visit to apply, second visit to collect your loan | Maximum 15 days to obtain your loan
Assistance by BOC to obtain the required documents and registration
SMS updates at each stage of loan processing | Easily obtain information on the status of the loan online
Repayment period of up to 25 years

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Seylan Bank Plc
Seylan Bank Plc Vehicle Loan
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Seylan Home Loans
Indicative Rate (P.A) Tenure Max. Loan
Up to 26.50% Up to 25 Years LKR 100,000,000
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More Product Info
Features
We offer attractive interest rates that makes your housing loans affordable and easier to repay.
From a minimum of Rs. 500,000/- based on the applicant's repayment capacity and value of property. Maximum loan amount Rs. 100 Million.
Purchase a Condominium Apartment

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HDFC Bank of Sri Lanka
HDFC Bank of Sri Lanka Vehicle Loan
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Sirisara Housing Loan
Indicative Rate (P.A) Tenure Max. Loan
29.00% Contact Bank Contact Bank
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More Product Info
Features
This is a life style loan to make your house a home.
The interiors of any home reflect the personal preferences and tastes of its owners making it imperative to constantly upgrade to keep up with changing times.
Sirisara facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminum Windows compound walls and much more.
Moreover with Sirisara you can invest on furniture and on other house hold utensils.

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People's Bank
People's Bank Vehicle Loan
Apply Online
People’s Home Loan
Indicative Rate (P.A) Tenure Max. Loan
30.00% to 32.00% Up to 25 Years Contact Bank
More Rates
More Product Info
Features
In an event of selling the property, remaining loan value may be transferred to the buyer without a hassle.
Quick Personal loans are obtainable for needs such as furniture or any other requirement.
Support and assistance to complete legal and other documentation
Premier Credit Card facility

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National Savings Bank
National Savings Bank Vehicle Loan
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NSB Housing Loan
Indicative Rate (P.A) Tenure Max. Loan
20.00% Contact Bank Contact Bank
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More Product Info
Features
NSB Express Housing Loan – For Loans within 4 to 10 days.
NSB Alankara Housing Loan – To enhance the appearance of your home.
NSB Ithurum Nivasa – For Irregular Income Earners.
NSB Rata Ithuru – For Expatriate Income Earners.
Loan facility is based upon your Repayment capacity, Age, Value of the Collateral, Purpose.

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Cargills Bank Ltd
Cargills Bank Ltd Vehicle Loan
Apply Online
Loan against Property - Salaried Individ
Indicative Rate (P.A) Tenure Max. Loan
19.50% to 22.00% Up to 5 Years Contact Bank
More Rates
More Product Info
Features
Provides loan for Home Renovation / Furnishing | Education | Medical / Hospitalization
Purchasing an Immovable / Movable Property such as House / Building | Bare Land | Vehicle (Registered / Unregistered) | Machinery and / or Equipment

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HDFC Bank of Sri Lanka
HDFC Bank of Sri Lanka Vehicle Loan
Apply Online
Situ Sevana
Indicative Rate (P.A) Tenure Max. Loan
29.00% Contact Bank Contact Bank
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More Product Info
Features
A Value added Home Loan to fit your life style.
Complete and comprehensive Service in , Legal matters including searches , title reports, transfer deeds and mortgage bonds Technical details of construction from bills of quantity, to inspections for conformity Street – line, building line & non-vesting certificates.
Additional service charge of 1% of the loan amount payable on accepting the application for processing.
If you are a salaried employees: 40% of the salary will be your maximum loan installment
A Savings Deposit Rs. 500 /- to open a 'Situ Sevana' Savings Account with the Bank

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Nations Trust Bank Plc
Nations Trust Bank Plc Vehicle Loan
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Nations Home Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 25 Years LKR 50,000,000
More Rates
More Product Info
Features
From Rs. 1 Million to Rs. 50 Million, we have loans to suit your needs. *
Let our dedicated personnel handle all your local authority documentation requirements.
You can enjoy fixed or floating interest rates.
Your repayment period is up to 25 years.*
Are you a “Nations Salary Saver” customer? You get special interest rate concessions
You can even apply jointly with your spouse. *
Your loan will be processed within 15 working days. *

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Bank of Ceylon
Bank of Ceylon Vehicle Loan
Apply Online
BOC Housing Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
Up to 21.00% Up to 25 Years LKR 50,000,000
More Rates
More Product Info
Features
Purchase a land to construct a house later. / Purchase a land and to construct a house
Construct a house in an owned land of the borrower/s.
Purchase a house/ partly constructed house/ condominium unit.
Complete construction/ renovation/ extension/ repair of an existing house/ condominium unit.
Landscaping/ interior decoration of the house/ condominium unit.
Construction of houses/ apartments for sale - please contact the relevant branch for more information and this facility is provided only for the commercial purpose house builders.

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Commercial Bank of Ceylon Plc
Commercial Bank of Ceylon Plc Vehicle Loan
Apply Online
Home Loans
Indicative Rate (P.A) Tenure Max. Loan
24.00% to 27.00% Up to 25 Years LKR 50,000,000
More Rates
More Product Info
Features
Special discounts up to 40% for building materials including Roofing sheets, Cement & allied products, Paints & allied products, Floor/ Wall tiles, allied electrical accessories, Wood care products, Bathroom fittings & accessories and PVC pipes & fittings, Hardware items for loans obtained for construction
Loan approval in 3 days without any additional charges | Longer repayment period
Flexible approach and fast approval | Attractive and competitive low interest rates
Convenience of our island wide branch network

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People's Bank
People's Bank Vehicle Loan
Apply Online
Suwasewana Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
30.00% to 32.00% Up to 25 Years Contact Bank
More Rates
More Product Info
Features
In an event of selling the property, remaining loan value may be transferred to the buyer without a hassle.
Quick Personal loans are obtainable for needs such as furniture or any other requirement.
Support and assistance to complete legal and other documentation
Securities: Mortgage over immovable property to be purchased or house to be constructed
Premier Credit Card facility

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Union Bank of Colombo Plc
Union Bank of Colombo Plc Vehicle Loan
Apply Online
Home Loans
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 20 Years Contact Bank
More Rates
More Product Info
Features
Maximum Loan amount will be based on your repayment capacity. | Repayment period upto a maximum of 20 years.
Ability to apply jointly with spouse. | Convenient and fast loan approval process.
Mortgage protection cover and fire insurance at competitive premiums.

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Amana Bank Plc
Amana Bank Plc Vehicle Loan
Apply Online
Apartment Financing
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 15 Years Contact Bank
More Rates
More Product Info
Features
70% financing of the purchase price
Up to 15 years repayment period
Tailor-made repayment plans to suit your income capacity
Credit approval within 3 working days
Grace period during the construction period
Ability to settle the facility in advance with no additional charges
Facilities considered for self-employed individuals in Sri Lanka and Sri Lankans who are employed abroad*

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Sampath Bank Plc
Sampath Bank Plc Vehicle Loan
Apply Online
Sampath Sevana Housing Loans
Indicative Rate (P.A) Tenure Max. Loan
24.00% Up to 25 Years Contact Bank
More Rates
More Product Info
Features
Are payment period of up to 25 years
Loan disbursement in 10 days (if documents are in order)
Flexible terms and conditions
Affordable interest rate
Housing loans can be obtained from our islandwide branch network

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Sampath Bank Plc
Sampath Bank Plc Vehicle Loan
Apply Online
Foreign Currency Housing Loans
Indicative Rate (P.A) Tenure Max. Loan
12.00% Up to 5 Years Contact Bank
More Rates
More Product Info
Features
This housing loan scheme is specially designed for Sri Lankans who are working aboard having a monthly income either individually or jointly with spouse.
You can start building your own home even you are away from the mother land.
Purchase of a house or Land.
Construction of a house.
Purchasing a bare land & constructing a house for residential purposes.
Complete the construction of a partially built house.
Renovate, modify or extend an existing house.

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Regional Development Bank
Regional Development Bank Vehicle Loan
Apply Online
Ran Piyasa
Indicative Rate (P.A) Tenure Max. Loan
25.00% to 26.00% Up to 10 Years LKR 5,000,000
More Rates
More Product Info
Features
RDB offers special housing loan schemes for the lower income sectors at attractive interest rates.
These loans are granted with repayment periods up to 10 years.
Housing loans are offered for purposes such as outright purchase of a house, to buy a land to build a house, renovations and to add new units to an existing house.

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