Key Features:

  • Lowest fixed interest rate
  • Flexible repayment tenure upto 20 years
  • Financing from LKR 250,000 upto LKR2.5 million upwards
  • Loans offered as against a mortgage
  • Loans could be utilized for any housing purpose except for land purchases

Who can apply?

  • 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

Age Criteria:

  • Minimum -18 years
  • Maximum – 55 years

What you’ll need:

  • 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.


Legal Documents:

  • 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
  • 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)


  • Decreasing Term Assurance Policy (DTAP) to cover for the full loan amount , assigned to the Bank
  • Fire, SRCC and subversive insurance cover obtained and assigned to the Bank

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