HNB Home Loan

Hatton National Bank offers highly competitive interest rates to its customers. These rates are regularly reviewed to ensure that the customers are being provided the most effective rates for their investments with Hatton National Bank.

The current interest rates of the banking products can be viewed by selecting the related product from the list below :

 

HNB Home Loans

 

Type
Tenure
For Salary Smart/ HNB Youth Customers Only
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
Type
Fixed
Tenure
Up to 3 Years
With Salary Remittance
13.00%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
15.00%
Type
Fixed
Tenure
4 to 5 Years
With Salary Remittance
13.50%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
15.50%
Type
Fixed
Tenure
6 to 7 Years
With Salary Remittance
14.50%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
16.50%
Type
Fixed
Tenure
8 to 10 Years
With Salary Remittance
15.50%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
17.50%
Type
Fixed
 
  
 
Tenure
11 - 12 Years
 
 
 
With Salary Remittance
3 / 5 / 10 Years fixed followed by AWPLR + 3.00%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
3 / 5 / 10 Years fixed followed by AWPLR + 3.50%
 
 
Type
Fixed
 
  
 
Tenure
13 - 15 Years
 
  
 
With Salary Remittance
3 / 5 / 10 Years fixed followed by AWPLR + 3.00% 
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
3 / 5 / 10 Years fixed followed by AWPLR + 3.50%
 
 
Type
Fixed
 
  
 
Tenure
Above 15 Years
 
  
 
With Salary Remittance
3 / 5 / 10 Years fixed followed by AWPLR + 3.00%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
3 / 5 / 10 Years fixed followed by AWPLR + 3.50%
 
 
Type
Floating
Tenure
Up to 10 Years
With Salary Remittance
AWPLR + 2.50%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
AWPLR + 3.00%
Type
Floating
Tenure
Above 10 Years
With Salary Remittance
AWPLR + 2.75%
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
AWPLR + 3.25%

 

 

Foreign Currency Home Loans

Type
For Salary Smart/ HNB Youth Customers Only
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
Type
Fixed rate
Upto 5 Years
5 – 7 Years 
For Salary Smart/ HNB Youth Customers Only
 
7.50%
8.00% 
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
 
7.50%
8.00% 
Type
Floating (USD Only)
Upto 5 Years
5 – 7 Years 
For Salary Smart/ HNB Youth Customers Only
6 months SOFR + 3.00%
6 months SOFR + 3.50%
Floor of 6.00% 
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
6 months SOFR + 3.00%
6 months SOFR + 3.50%
Floor of 6.00% 
Type
Any other currency
 
For Salary Smart/ HNB Youth Customers Only
Please refer Treasury Division
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
Please refer Treasury Division
 

 

Special Rates for Home Loans – Valid up to 31.12.2024

Tenor
Fixed Rate
Tenor
1 year
Fixed Rate
11.50%
Tenor
2 years
Fixed Rate
11.50%
Tenor
3 years
Fixed Rate
11.50%
Tenor
4 years
Fixed Rate
12.50%
Tenor
5 years
Fixed Rate
12.50%
Tenor
6 years
Fixed Rate
13.00%
Tenor
7 years
Fixed Rate
13.00%
Tenor
8-10 years
Fixed Rate
13.50%

 

 

 

 

 

 

 

 

 

 

All fixed rates will be followed by AWPLR + 2.5%


Above special rates will be applicable strictly for the following categories. 

  • Salaried /Professionals/ SL working abroad with min income of Rs. 300,000 p.m. subject to direct salary/ Income remittance to HNB Account/s.
  • Business client with average income above Rs. 1.0 Mn p.m to be routed through HNB Account/s
  • All Club and Priority customers. (Provided the required deposit amount is held with HNB)


Last rate change effected on: 2024-12-04