Compare Housing Loans in Sri Lanka
40 housing loans from 24 banks and finance companies, side by side. The lowest published rate is Up to 14% (Housing, NSB Bank), against a median of 15.50%. 21 don't publish a rate — we show those as "Ask bank".
Updated 23 October 2026 · rates as published by each institution
- Housing loans
- 40
- from 24 institutions
- Lowest rate
- Up to 14%
- NSB Bank
- Median rate
- 15.50%
- of 19 with a published rate
- Largest loan listed
- LKR 100M
Find your cheapest housing loan
Pick an amount and a term — we rank every housing loan with a published rate by monthly instalment.
Repayment period
- #1 · Lowest instalmentUp to 14%
NSB Bank
HousingLKR 133,174 /month
Total interest LKR 13,971,345 over 15 yrs
Worked at the quoted ceiling — your rate may be lower.
- #2Up to 14.50%
Union Bank
Home LoansLKR 136,550 /month
Total interest LKR 14,579,015 over 15 yrs
Worked at the quoted ceiling — your rate may be lower.
- #3Up to 14.50%
NDB Bank
NDB Home LoanLKR 136,550 /month
Total interest LKR 14,579,015 over 15 yrs
Worked at the quoted ceiling — your rate may be lower.
Choosing the cheapest over the dearest fitting loan saves about LKR 6,847,037 over the term. Indicative, on a reducing balance at each bank's published rate; fees, insurance and your profile change the final figure. 21 more housing loans don't publish a rate — see the list below.
EMI calculatorAbout housing loans in Sri Lanka
AnyBanQ lists 40 housing loans from 24 Sri Lankan banks and finance companies, including HDFC Bank, NDB Bank, Sampath Bank, LB Finance and Commercial Bank. Listed rates currently run from 10% to 17%. Filter the list above by bank or feature, save the ones you like, and compare up to three side by side.
For a housing loan, compare the interest rate and how long any fixed period lasts, the share of the property's value the bank will lend, the longest repayment term, valuation and legal fees, and whether the loan can be used to buy, build or renovate.
Housing Loans by bank: HDFC Bank, NDB Bank, Sampath Bank, LB Finance, Commercial Bank, Amãna Bank, Union Bank, Seylan Bank, Cargills Bank, DFCC Bank, NTB Bank, CDB Finance, SMB Finance PLC, CBC Finance, Vallibel Finance, UB Finance, Mercantile Investments and Finance, LCB Finance, Asia Asset Finance, HNB Finance, SDB Bank, NSB Bank, HNB Bank, PMF Finance.
Frequently asked questions
How much housing loan can I get in Sri Lanka?
Most Sri Lankan banks lend up to 70–80% of the property value, with the installment capped around 40–50% of your monthly income. The maximum amount and tenure (often up to 25 years) vary by bank — compare current housing loan offers on Anybanq.
What documents are needed for a housing loan in Sri Lanka?
NIC, income proof (salary slips or audited accounts), bank statements, the title deed and survey plan of the property, a valuation report, and building approvals. Banks may also require a CRIB report check.
Fixed or variable rate — which is better for a Sri Lankan housing loan?
A fixed rate protects you if market rates rise; a variable (floating) rate is usually lower initially and benefits you when rates fall. Many banks offer a fixed period (1–5 years) followed by a variable rate.