Cargills Bank PLC · Housing Loan

Loan Against Property

#13 of 19 · Lower than 21% of housing loans that publish a rate.

Interest rate p.a.: Up to 16.75%
Maximum amount: LKR 50M
Maximum term: 15 yrs

Rates and terms last verified 8 July 2026. Confirm the current terms with the bank.

Full details on Cargills Bank PLC's website

Tell us what you need and we will check which banks and finance companies on our panel could take your application. We are not a bank and do not lend. Approval and final terms are decided by the bank or finance company.

Features

We are ready to grant you loan amounts up to Rs.50.0Mn. against property mortgage.
We bring you attractive fixed and variable interest rates.
We grant loans for up to 15 Years.

Who can apply

You’re aged 18 to 50, and working as a ‘permanent & confirmed’ employee in an established Company / Institution
You have a valid Sri Lankan National Identity Card / Passport / Driver’s License.
You being a salaried employee drawing a monthly gross salary above Rs.100,000/- OR

Interest rate p.a.

Up to 16.75%

Check My Eligibility

Loan Against Property: common questions

What is the interest rate on the Loan Against Property?

Cargills Bank lists Up to 16.75% per annum for the Loan Against Property. That is a ceiling; the rate you are offered depends on your profile. Lower than 21% of housing loans that publish a rate.

How much can I borrow, and for how long?

About the Loan Against Property

The Loan Against Property is a housing loan from Cargills Bank in Sri Lanka. Its listed rate is Up to 16.75%. The features, eligibility and documents above come from the bank's published terms; confirm them with Cargills Bank before you apply, as rates and conditions change.

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.

See every housing loans from Cargills Bank or compare housing loans from every bank.

You being a professional drawing a monthly gross salary above Rs.150,000/-

You being a self employed drawing a monthly net income above Rs.200,000/-

Documents you'll need

Duly completed Home Loan Application.
A copy of your Sri Lankan National Identity Card / Passport / Driver’s License.
Salary slips for the Last 3 months along with the bank account statements (if applicable).
Letter from your employer, confirming your position and salary details (if applicable).
Copy of the business registrations, financials and other business related documents (if applicable).
Sales agreement (in the case of the purchase of property, or a letter from the seller, indicating the selling price).
Building Plan, approved by the Local Authority.
Copies of Deed and Survey Plan, approved by the Local Authority.

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Reviews for Loan Against Property

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The Loan Against Property goes up to LKR 50M, repaid over up to 15 yrs. The amount you are approved for depends on your income and existing repayments.

Who is eligible for the Loan Against Property?

You’re aged 18 to 50, and working as a ‘permanent & confirmed’ employee in an established Company / Institution You have a valid Sri Lankan National Identity Card / Passport / Driver’s License. You being a salaried employee drawing a monthly gross salary above Rs.100,000/- OR You being a professional drawing a monthly gross salary above Rs.150,000/- You being a self employed drawing a monthly net income above Rs.200,000/-

What documents do I need?

Duly completed Home Loan Application.; A copy of your Sri Lankan National Identity Card / Passport / Driver’s License.; Salary slips for the Last 3 months along with the bank account statements (if applicable).; Letter from your employer, confirming your position and salary details (if applicable).; Copy of the business registrations, financials and other business related documents (if applicable).; Sales agreement (in the case of the purchase of property, or a letter from the seller, indicating the selling price)..

How do I apply for the Loan Against Property?

Use the button on this page to send one application through AnyBanQ, or contact Cargills Bank directly. AnyBanQ is not a bank or lender; approval and final terms are decided by Cargills Bank.