A home of one's own is something that everyone hopes to have. The HNB Shanthi Home Loan helps you realise this dream, whether it is a simple house or a luxury mansion. Our home loans come in a range that is designed to suit a variety of needs. With the individuality of our customers and varying budgets in mind, the Shanthi Loan is there to buy, build or refurbish your home.
HNB offers its customers very attractive and competitive, fixed or floating interest rates with the flexibility to best suit your needs. Opt for floating interest rates and your interest payment will be based on the going market rate which is subject to a quarterly review.
Loan repayment periods range from a minimum of 5 years to a maximum of 25 years, depending on the age of the proposed borrower and place of employment (Sri Lanka/abroad).
Fill in an HNB Shanthi Home Loan application form and hand it over to any of our HNB Customer Centres island wide. Then relax and leave it to SHANTHI and HNB to build or purchase your dream home in the shortest possible time.
For fast processing of your application, ensure that you provide all the documents indicated below.
Documents to be submitted along with the application:
For applicants employed abroad, the following documents are also required:
In case the loan is for purchase of property, please furnish the following documents:
Shanthi-Ekamuthu Home Loan Scheme is akin to an inseparable bond between parents and children. Borrower repays the loan jointly with a young adult and under this scheme step-up/step-down repayments are introduced depending on the age of the parent and the income pattern of the young adult.
Under Shanthi-Ekamuthu Home Loan Scheme, the son or daughter could one day own the "home of their dream". The parents too are benefitted because when a father or mother is part of the preliminary stages of this grand scheme, they would be building and nurturing a solid foundation and a stronger claim to your future.
HNB introduces the Shanthi Foreign Currency Housing Loan, exclusively for Sri Lankans working overseas. Now you can start constructing your home in Sri Lanka while residing overseas. Shanthi Foreign Currency Housing Loans can be obtained in designated currencies as applicable to NRFC Accounts, including US Dollars, Sterling Pounds, Euro, Japanese Yen, Swiss Franc, Australian Dollars and Canadian Dollars, etc. Expatriate Sri Lankans can appoint their representative to carry out the documentation through a Power of Attorney.
Apart from purchasing of properties, fresh construction, renovations & modifications to personal properties, we have also entered into many tripartite agreements with reputed property developers in providing financial assistance for purchasing of apartments as well.
In this light, we are currently promoting the following properties under the tripartite agreement.
|John Keells Residential Properties (Pvt) Ltd||"On three 20"
Union Place, Colombo-02
|Mireka Homes (Pvt) Ltd||Havelock City Phase II|
|Fairway Sky Homes (Pvt) Ltd||Fairway Sky Gardens
Buthgamuwa Road, Rajagiriya
|Peninsular Property Developers (Pvt) Ltd||Thulasi Mahal Apartment
Kachcheri Lane, Jaffna
|Nivasie Developers Malabe (Pvt) Ltd||Nivasie Project - Halbarawa Estate
|British Overseas (Pvt) Ltd||7th Sense Apartments
If you require any assistance either to purchase an apartment or purchase one as the Second Home or even if you are looking at one for investment purposes, it would be our pleasure to be of assistance. We would also consider bridging finance for apartment purchases in the event you are not able to make the full payment to the developer.