Find the best Housing Loan rates in Sri Lanka

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Last Update Date :- 2021-10-15

**Initial monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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Rs. 

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Your estimated monthly payment

Rs. 70.000

The value is based on Equated Monthly Installment (EMI)




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Disclaimer

The values shown above are estimates only. The interest rate applied for the above calculation is the 5 year fixed housing loan interest rate and is subject to the assignment of salary to the bank. The final interest rate will be determined by the bank upon receipt of your supporting documents and evaluation.

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16 vital facts you need to know before applying for a Housing Loan

Housing loans are a growing facility offered by commercial banks at highly competitive rates. But how sure are you that you've picked the right one?

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Our experienced advisors will advice on the best options and guide you through the application process

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Frequently asked question about Home Loan

Know what question the users frequently asks about Home Loan and Calculator


What is a home loan?

A home loan or a mortgage is a type of loan (monetary advance) offered to a buyer for buying a residential property. The home buyer is responsible for paying the loan back to the financial institution on an instalments basis. Typically, the property purchased using the loan is considered as collateral (security) in an event where the homebuyer is unable to pay the loan back.

What are the requirements to satisfy to apply for a loan?

Up to which age can I apply for a home loan?

What is the maximum repayment period offered for home loans?

What documents should I submit when applying for a home loan?

What is the interest rate charged for housing loans?

How do I obtain a Housing Loan Guarantee from EPF?

From which banks can I apply for an EPF Housing Loan Guarantee?

Who are eligible for an EPF Housing Loan Guarantee?

What is the minimum down-payment for a housing loan?

How much disposable income should I have for the loan?

What are the requirements for non-resident Sri Lankans to apply for a housing loan?

Through which currencies can I make payments for this loan?

Who is eligible to apply for a loan under the professional category?

What are the housing loans for government employees in Sri Lanka?

 Home Loan Comparison

Building a home of one’s own is a wish that every person has in their life. Unlike living in someone else’s, your own home means much more to you. You have the freedom to design it the way you want and make changes whenever you want. It is also reassuring to know that you won’t have to keep moving anymore. But making this dream a reality is much easier said than done. The cost of building a house is so high nowadays than funding for it on your own is impossible. This is when considering the option of getting a mortgage loan comes into play.

Banks offer a variety of housing loans with different terms and conditions. Some of these pair special offers, while others have flexible conditions that allow people, even over 60, to apply for them. But with all of these choices, it becomes difficult to select the right one. That is when you can use a home loan rate comparison tool to help you assess between the choices. Mix and match against housing loan interest rates, terms and conditions and repayment periods to find the ideal one. This online tool in fact saves a lot of time from visiting each bank to gather information individually.

Since obtaining a house loan from the bank has its risks with repayments and getting your house seized, you need to be careful with your choice. Certain banks might create a picture of the perfect land loan scheme with the best mortgage rates on the top. But once time goes by, you’ll find yourself paying even more than whatever you imagined of. However, choosing to fund it on your own has a greater risk too. When you aren’t aware of the technical details behind purchasing a land and what to check for it, you become vulnerable to scams. However, with banks this is avoided because of the expert legal team that goes through the documents you submit. So while signing up for a home loan has its positives and negatives, it’s your responsibility to make the optimum use of it by making smart choices.