Updated On: 30th April 2025
Compare Housing Loan Interest Rates in Sri Lanka
| Institution Name | Product Name | Max Amount | Minimum Rate | Repayment | Eligibility | Order | More |
|---|---|---|---|---|---|---|---|
 Amana Bank |
Amana Bank Home Finance | 2 Million | 20 Years | Salaried Employees Self Employed Srilankans Employed Abroad |
110 | Go | |
 BOC |
BOC Housing Loan Scheme | Rs: 100 Million | from 10% | 25 years | Be a Sri Lankan Citizen/s above the age of 18 years The borrower should be a resident of Sri Lanka Should not be a defaulter of BOC or any other financial institution Professionals with fixed/non-fixed income, permanent employees of government, statutory bodies, private sector, self-employed, farmers, and cultivators etc. In case of a joint housing loan, the co-borrowers should be close relatives or directly interested parties for purchasing/developing of property |
100 | Go |
 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 60% of the FSV. Maximum loan amount 50 million | 10.5% | 25 Years | You’re aged 18 to 50, and working as a ‘permanent & confirmed’ employee in an established Company / Institution. Minimum Gross salary above Rs.100,000/- professional drawing a monthly gross salary above Rs.150,000/- self employed individual earning a monthly net personal income of Rs.200,000/ |
10 | Go |
 Commercial Bank |
Commercial Home Loan | Depending on your need and income, you could borrow from Rs 500,000/- up to Rs 50.0 million. | 11.50%-14.50% | Minimum 3 years Maximum 15 years | You should have a regular monthly net income (Minimum Rs. 40,000/-), individually or jointly with your spouse. This income should be sufficient to meet the monthly loan commitment as well as living and other expenses. | 30 | Go |
 DFCC Vardhana Bank |
Housing Loans | The maximum loan amount is determined considering the repayment capacity and the Forced Sale Value (FSV) of the property as stipulated by the Bank. In case of construction of a House, the bank allows a maximum borrowing up-to 75% of the value of the Bill of Quantity (BOQ) | 14% | Maximum 20 Years | Minimum monthly gross income of LKR 50,000 (Basic + Fixed Allowances + 50% of Variable Allowances) | 20 | Go |
 Hatton National Bank |
Shanthi Home Loans | 12.50% to 17% | 25 years | Age 18 -75 years Borrower has to be a Sri Lankan Citizen Minimum income should be LKR 100,000 Minimum loan amount is LKR 1,000,000 | 80 | Go | |
 HDFC Bank |
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 | 15% | 15 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) |
70 | Go |
 NSB |
(General) | Rs. 03 Mn and above | 10% to 11.50% | Who is Permanently Employed. Who is Self Employed. Who is an Expat Employee. Who is a Tax Payer |
90 | Go | |
 People's Bank |
Jaya Niwasa | No Upper Limit | 12% to 14.5% | 20 Years | Salary Earners/Businessmen & Businesswomen with a steady monthly income | 50 | Go |
 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 90% of the bill of quantity(BOQ) value |
12% | Maximum period of 25 years or until the borrower reaches the age of 60 | Srilankan citizen with a regular Net Individual Monthly Income exceeding Rs. 60,000/- | 60 | Go |
 Seylan Bank |
Home Loan | From a minimum of Rs. 1,000,000/- based on the applicant's repayment capacity and value of property. Maximum loan amount Rs. 100 Million. | 10% to 12.75% | 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. | 40 | Go |
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. Ideabeam.com does not take any responsibility for any sudden / uninformed changes in interest rates.
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