Home Loan Calculator



Your estimated monthly payment:
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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.


What is a Mortgage / Home Loan?
A Mortgage or a Home Loan is a loan taken out to buy a property or land. Once a mortgage is taken, the borrower will need to pay off the loan amount plus the interest to the lender. If the borrower fails to pay the loan, then the ownership of the property or land will pass on to the lender.

How much can I borrow?
The amount that can be borrowed will ultimately be decided by the lender and is dependent on factors such as your income, other borrowings/loans that you may have and your current expenses.

What documents do I require to apply for a Home Loan?
Below are some of the documents that the banks will ask before they approve your loan:

  • Copy of NIC (National Identity Card) or Passport
  • Last 3 months’ salary slips
  • Letter from your employer confirming your particulars
  • Statements of bank account(s) to which the salary was remitted during at the last 3 months
  • Details of any other loans that you currently have
  • Marriage Certificate (for joint applicants)

I have a property that I'm interested in. Will you arrange the purchase of that for me?
The bank will only arrange the loan and you will need to arrange the purchase of the property by contacting the advertiser/agent of the property directly. Once the owner or agent for the property has accepted your offer, you can contact the bank regarding the loan.