Updated On: 10th November 2017

Compare Housing Loan Interest Rates in Sri Lanka

Institution Name Name Max Amount Minimum Rate Repayment Elgiblity Order

Cargills Bank
Cargills Bank Home Loans Purchase of a house for residential purposes up to 75% of the FSV Construction of a house on owned property up to 80% of the Bill of Quantity (BOQ)
Purchase of a bare land up to 40% of the FSV Renovate, modify or extend an existing house up to 75% of the BOQ
14% Minimum of 5 Years.
Maximum of 20 Years.
Age 21 – 55
Confirmed employees in an established company/ Institution
Minimum Gross Salary of Rs.30,000/=

DFCC Vardhana Bank
Home Loan Up to 80% of BOQ value for house construction on owned land
Up to 60% of market (purchase) value for outright purchase
Up to 70% of total cost for land purchase and construction of house
Fixed for 2 years – 14%
Fixed for 5 years – 15%
Minimum 5 Years
Maximum 20 Years
Citizen of Sri Lanka aged between 18 – 60, Sandella Housing Loans will be extended to Fixed Income Earners, Self Employed and Sri Lankans Employed abroad, Minimum loan amount – LKR. 500,000/-, Maximum repayment period – 20 Years. 120

Commercial Bank
Commercial Home Loan Depending on your need and income, you could borrow from Rs 500,000/- up to Rs 50.0 million.
Even if your requirement is in excess of Rs 50.0 million, you can still negotiate with your branch manager for a higher amount.
14.5% Depending on your age you could agree for a repayment period of up to 20 years. You should have a regular monthly income, individually or jointly with your spouse. This income should be sufficient to meet the monthly loan commitment as well as living and other expenses. 130

Seylan Bank
Seylan Sirinivasa 50 Million 1 year – 14%
2 years – 14%
5 years – 14.5%
10 years – 16%
5 Year
Maximum 25 years
Salaried Employees, Professionals, Business Men, Sri Lankans employed Abroad, Joint borrowers with spouse, Parents with Son and Daughter over 18 years of age. 140

People's Bank
Jaya Niwasa No upper Limit on Maximum Loan amount, up to 75% of - BOQ in constructing a house -Value in Purchasing of a land for residential purpose / purchasing of a house 14.5% Up to 05 years on personal guarantee Up to a maximum period of 20 years on property mortgage For monthly salary earning employees of public and private sector
Self-employed individuals and businessmen
Sri Lankans employed abroad.
Sampath Bank
Sampath Sevana The maximum loan amount is determined considering the repayment capacity & the Forced Sale Value (FSV) of the property as stipulated by the Bank.
To purchase a house or to purchase a land and construct a house, you can borrow up to 70% of the total cost of the housing project.
To extend or renovate your house, you can borrow up to 75% of the bill of quantity(BOQ) value
12.5% Maximum period of 25 years or until the borrower reaches the age of 60 Sri Lankan citizens Who have a regular Net Individual Monthly Income exceeding Rs. 60,000/- 190

Kedella From Rs. 50,000/- upwards (Maximum repayment period varies according to age)
Purchase of house: 70% of the forced sale value
Construction loans: 80 % of the forced sale value of property and BOQ
Purchase of Building Blocks 70% within Municipality limits and 60% Pradeshiya Sabha limits
16.50% 30 Years Salaried employees
Business/self Employed
Income earners from Agriculture
Rental Income earners
Others who can provide details of a constant income from authorized personnel.
You can apply for the loan either individually or jointly (with your spouse, with parents or with your children)

Shanthi Home Loans 14.25% 25 Years Those with a regular monthly income, individually or jointly with spouse
Public and private sector employees, professionals, businessmen or businesswomen
Sri Lankans employed abroad

Ge-Dora Up to 2.5 Million 13.50% 30 years a permanent employee
an income-tax payer
employed abroad

BOC Housing Loan Scheme Depend on the repayment capacity of the customer 11.00% 25 years BOC Customers, Sri Lankan citizens of age between 18-60 with an adequate repayment capacity with clear DRU and CRIB Records
Limited liability Companies (House Constructors for sale)

Amana Bank
Amana Bank Home Finance Minimum 500,000/- or maximum up to 70% or Property Value 15 Years Salaried Employees
Self Employed
Srilankans Employed Abroad
Disclaimer: Please note that the interest rates given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated . Users are advised to recheck the same with the individual companies / organizations. ecent.ru does not take any responsibility for any sudden / uninformed changes in interest rates.
Banks/ Financial Institutions can contact us at for inclusions or updates.

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