'Viyana' ETF Home Loans

• Lowest fixed interest rate

• Flexible repayment tenure up to 20 years

• Financing from LKR 250,000 up to LKR2.5 million upwards

• Loans offers against a mortgage

• Loans could be utilised for any housing purpose except for land purchases

• Resident Sri Lankan citizens

• Employees’ Trust Fund (ETF) members

• 5 years continuous contribution towards the ETF fund

• Co-applicant Status - The spouse or parents of the primary applicant

• The premises should be owned by the applicant or spouse

• Individuals between the ages of 18 to 55

• Two photographs of the applicant

• Two photocopies of National Identity Card (NIC)

• Sellers letter (stating the selling price of a land or residential property)

• ETF confirmation

• Employer letter (covering designation, salary, allowances, period of service)

• Salary slips for last three months

• Copies of the title deeds

• Survey plan referred to in the Deed which is duly approved by the Local Authority. If this is more than 10 years old, a new survey plan, duly connected to the former plan, is required (If approval is not required, a letter issued by the Local Authority to this effect)

• Certified original extracts of the property for last 30 years (to be obtained not less than one month from the date of application)

• Local Authority certificates (Issued within the last three months)

• Street Line/Building line

• Non-Vesting Certificate

• Ownership certificate

• Tax receipts/Assessment Notices

 In case purchase of a residential property or construct a house:

• Approved building plan (If approval is not required, a letter issued by the Local Authority to this effect)

• Certificate of Conformity (COC)-Only for purchase of a residential property

• Bill of quantities acceptable to the bank (Applicable only for construction of a house)

• Insurance: Decreasing Term Assurance Policy (DTAP) to cover the full loan amount assigned to the bank

• Insurance: fire, SRCC and subversive insurance cover obtained and assigned to the bank