Housing Loan
Home Loans
Cargills Bank PLC
Housing Loan Information
Housing Loan
Privet Banking
General
Interest Rate (P.A) : Up to 14.75%
Loan Tenure : Up to 25 Years
Maximum Loan Amount : LKR 50,000,000
Rates and terms last verified on 8 July 2026.
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.
Eligibility
- 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 Needed
- 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.
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