Internet Banking

Seylan Sirinivasa


Having your own home is one of the greatest achievements one would like to have in life. Seylan Siri Niwasa housing loan offers affordable and flexible housing loan schemes that can turn your dream to a reality.

If the rising real estate prices have made your dream impossible, Seylan Bank housing loans makes it possible. The attractive interest rates and minimal processing fee makes your dream home all the more possible.

We have products to suit every budget, taste and need. Whether you are self-employed or working in an organization or if you require a floating rate or fixed rate, Seylan Bank offers a loan that is just perfect for you.

    • Meet your purpose:

      Purchase or construct a house, Purchase a block of land, Renovate, Extend or Complete an existing house, Purchase a Condominium apartment, Redeem an existing housing loan, Home improvements (Interior decor, Pantry cupboards, Landscaping or any other requirements)"

    • Attractive interest rates:

      We offer attractive interest rates that makes your housing loans affordable and easier to repay.

    • Eligibility:

      Salaried Employees, Professionals, Businessmen, Sri Lankans employed abroad, Joint borrowers with spouse, Parents with Son/Daughter over 18 years of age.

    • Balance transfer facility:

      Not satisfied with your existing Home Loan Provider? You can transfer your home loan to us without any hassles.

    • Loan Amount:

      From a minimum of Rs. 500,000/- based on the applicant's repayment capacity and value of property. Maximum loan amount Rs. 100 Million.

How to get started
  • Simple Steps for a Home Loan
  • Find out how much you could borrow

    Two minutes with our Loan Calculator to make your decision making process easy.

    Complete your application

    You can download your Siri Nivasa Housing Loan application form

    Online Banking

    Apply for our internet banking and monitor your settlements from home.

Interest Rates Fees
  • Effective from 07.02.2017
  • Loan quantum   Rs 500,000 to  Rs 100,000,000
    w.e.f. 07.02.2017

    1 year


    2 years


    5 years


    10 years


    *Note - Rates subject to change based on market conditions

    See all Interest Rates>>>

    Housing Loan Charges
    Processing Fee 0.5% of Loan Amount Minimum LKR 5,000/- to Maximum LKR 50,000/-
    Mortgage Bond Loan Amount
    Up to LKR 3,000,000/- 1% of Loan amount -,Maximum LKR 30,000
    LKR 3,000,000 to LKR10,000,000 LKR 30,000 + 0.5% to the balance Loan Value
    e.g. If Loan amount = LKR 5Mio
    Charges = LKR 30,000 + (LKR 2Mio x 0.5%)
    Above LKR 10.00Mio LKR 65,000/- + 0.25% to the balance Loan Value
    e.g If Loan
    amount = LKR 12Mio,
    Charges = LKR 65,000/- + (LKR 2Mio x 0.25%)
    VAT Mortgage Charges x 15%
    Mortgage Bond Total = Mortgage Charges + VAT
    Valuation Fee Depends on Valuation + Travelling Charges
    e.g. If Loan
    Amount = LKR 2,000,000/-,Valuation Fee = LKR 2,000/- + travelling charges
    Title Search Charges As applicable by the respective lawyers who are
    outsourced and employed by the bank
    Stamp Duty Purchase or Construction of a House - Below LKR 3,000,000/- No Charges
    Purchase or Construction of a House - Above LKR 3,000,000/- 0.1% of Loan Amount
    For Transfer deeds - Up to LKR 100,000/- 3.0% of Transfer deed value
    For Transfer deeds - Above LKR 100,000/- 4.0%of Transfer deed value
    Insurance Policies Title Insurance Policy On evaluation requirement.
    Mortgage Policy Mandatory
    Fire Insurance At the time of purchasing a House *Completed,Or Under Construction

    See all Service Charges>>>


What purpose can I obtain a housing loan for?

  • Purchase or construct a house
  • Purchase a land
  • Renovate, extend or complete an existing house
  • Settle an existing housing loan
  • Home improvements
  • Purchase a condominium

Who can apply for a home loan?

  • Salaried employees
  • Professionals
  • Businessmen
  • Sri Lankans employed abroad
  • Joint borrowers –spouse, parents with son/daughter 18 years old

What will be the maximum repayment period?

  • 25 years (The loan should be totally repaid by the Age of 55)

Do we need a security for the loan?

  • Mortgage over house and property
  • Mortgage over the land

Documents required for the housing loan

  • Details of income
  • Title deeds and approved survey plan
  • Non vesting/ownership/street line and building lines certificate from local authority
  • Tax receipts for the last quarter
  • Bill of quantities
  • Approved condominium plan, tripartite agreement with power of attorney favoring the bank