Cargills Bank PLC · Housing Loan

Home Loans

#6 of 19 · Lower than 68% of housing loans that publish a rate.

Interest rate p.a.: Up to 14.75%
Maximum amount: LKR 50M
Maximum term: 25 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

Our repayment period extends up to 25 years and maximum loan amount Rs 50.00 Mn
We offer you attractive fixed and variable interest rates.
We charge lower legal fees for your loan.
If its construction you are looking at, we offer up to 80% of BOQ (for construction).
To buy a house, we help you by offering up to 75% of FSV.
To buy bare land, we offer you up to 60% of the FSV.

Who can apply

Interest rate p.a.

Up to 14.75%

Check My Eligibility

Home Loans: common questions

What is the interest rate on the Home Loans?

Cargills Bank lists Up to 14.75% per annum for the Home Loans. That is a ceiling; the rate you are offered depends on your profile. Lower than 68% of housing loans that publish a rate.

How much can I borrow, and for how long?

The Home Loans goes up to LKR 50M, repaid over up to 25 yrs. The amount you are approved for depends on your income and existing repayments.

About the Home Loans

The Home Loans is a housing loan from Cargills Bank in Sri Lanka. Its listed rate is Up to 14.75%. 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’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/- OR

You being a self employed individual earning a monthly net personal income of 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 land / house, or a letter from the seller, indicating the selling price).
Bill of Quantity acceptable to the Bank.
Building Plan, approved by the Local Authority.
Copies of Deed and Survey Plan, approved by the Local Authority.

Loading rate history…

Reviews for Home Loans

Loading reviews…

Who is eligible for the Home Loans?

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/- OR You being a self employed individual earning a monthly net personal income of 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 land / house, or a letter from the seller, indicating the selling price)..

How do I apply for the Home Loans?

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.