Owning a home to call your own!

 

Salaried employees

 

Key Features:

  • Repayment tenure from 20 years Up to the retirement age
  • Financing from Rs. 100,000/- upwards
  • Dedicated personalized team to assist you
  • Ability to structure the loan to suit your repayment capacity

 

Who can apply?

  • Resident Sri Lankan Citizens
  • Salaried employees and professionals

 

Age Criteria

  • 18 to 65 years subject to retirement age

 

What youll need:

  • Copy of the National Identity Card (NIC)
  • Sellers Letter (Stating the selling price of a land or residential property)/Sales agreement
  • Employer letter (covering designation, salary, allowances , period of service)
  • Latest Salary slips
  • Bank statements for three months

 

Legal Documents:

  • Copies of the title deeds
  • Copies of the Plans
  • Latest 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 25years (to be obtained not less than one month from the date of application)
  • Local Authority certificates (Streetline /Non Vesting and Ownership certificates )Issued within the last six months
  • Tax receipts/Assessment Notices

 In case of construction of a house:

  • Approved Building plan ( If approval is not required, a letter issued by the Local Authority to this effect)
  • Bill of quantities acceptable to the bank (Applicable only for construction/Extensi of a house)

 

Insurance:

  • Mortgage Protection Policy (MPP) to cover for the full loan amount , assigned to the Bank
  • Fire insurance cover obtained and assigned to the Bank

 

Self employed

 

Key Features:

  • Repayment tenure up to 10 years
  • Financing from Rs. 500,000/-
  • Dedicated personalized team to assist you
  • Ability to structure the loan to suit your repayment capacity

Who can apply?

  • Resident Sri Lankan Citizens
  • Self-employed Non Professional and self-employed professionals

 

Age Criteria

  • 18  to 65 years

 

What youll need:

  • Two photocopies of National Identity Card (NIC)
  • Sellers Letter (Stating the selling price of a land or residential property)

Credit Documents

  • Presonal Bank statements for last Three months.
  • Certificate of Business registration
  • Financial statements for the past 3 years
  • Company Bank statements for last 06 months.

 

Legal Documents:

  • Copies of the title deeds
  • Copies of the Plans
  • Latest 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 25years (to be obtained not less than one month from the date of application)
  • Local Authority certificates (Streetline /Non Vesting and Ownership certificates )Issued within the last six months
  • Tax receipts/Assessment Notices

 In case of construction of a house:

  • Approved Building plan ( If approval is not required, a letter issued by the Local Authority to this effect)
  • Bill of quantities acceptable to the bank (Applicable only for construction/Extensi of a house)

Insurance:

  • Mortgage Protection Policy (MPP) to cover for the full loan amount , assigned to the Bank
  • Fire insurance cover obtained and assigned to the Bank

 

Non Resident Sri Lankan

Key Features:

  • Repayment tenure up to 10 years and 05 year for contractual employment
  • Financing from Rs. 500,000/- upwards
  • Dedicated personalized team to assist you
  • Ability to structure the loan to suit your repayment capacity

Who can apply?

  • Sri Lankan Citizens working abroad with a valid work permit
  • PR Holders

 

Age Criteria

  • 18 to 65 years

What youll need:

  • Two photocopies of National Identity Card (NIC)
  • Sellers Letter (Stating the selling price of a land or residential property)

If employed,

  • Employer letter (covering designation, salary, allowances , period of service)
  • Latest pay slip
  • Bank statments for 3 months
  • Work Permit /evidence as to the citizenship incase of PR & Dual citizens

Legal Documents:

  • Copies of the title deeds
  • Copies of the Plans
  • Latest 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 25years (to be obtained not less than one month from the date of application)
  • Local Authority certificates (Streetline /Non Vesting and Ownership certificates )Issued within the last six months
  • Tax receipts/Assessment Notices

 In case of construction of a house:

  • Approved Building plan ( If approval is not required, a letter issued by the Local Authority to this effect)
  • Bill of quantities acceptable to the bank (Applicable only for construction/Extensi of a house)

 

Insurance:

  • Mortgage Protection Policy (MPP) to cover for the full loan amount , assigned to the Bank
  • Fire insurance cover obtained and assigned to the Bank

 

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