1. Wide Range of Financing Options

Loans Available for the Purchase, Construction, Renovation, or Extension of a House or Apartment, as well as the Acquisition of Bare Land.

2. High Loan Amounts

DFCC Bank offers financing of up to 100% for properties purchased from our selected property development partners. For other properties or construction projects, customers may avail financing of up to 75% of the Fair Sale Value (FSV) and Bill of Quantities (BOQ). The final financing amount will be determined in accordance with the customer’s income and repayment capacity.

3. Fast and Hassle-Free Processing

• Loan Disbursal Within 10 Days – From application submission to disbursement.

• Collection of Property Documents – DFCC Bank can assist in obtaining all property-related documents required for mortgage execution, including local authority approvals, copies of deeds and plans from the Land Registry, and extracts (subject to applicable fees).

4. Flexible Repayment Terms

Up to 30 years for property purchases & construction, and up to 20 years for land purchases & renovations (subject to ability to repay before retirement age).

5. Competitive Interest Rates

   DFCC Bank offers a market-first 20-year fixed interest rate on housing loans. Select between flexible or fixed interest rate plans to align with your financial strategy and long-term goals.

6. Fast Pre-Approvals

Obtain Pre-Approved Financing in Just 1 Working Day – Providing you with certainty and confidence in your investment decisions.

7. Personalised Customer Support

Dedicated home loan specialists to guide you through every step of the process.

8. Home/Office Visits

Enjoy the convenience of having a DFCC representative visit you personally at your home or office to provide assistance.

• Equated Monthly Instalments (EMI) – Fixed monthly payments combining principal and interest.

• Equal Monthly Instalments – Fixed principal payments, with interest calculated on a reducing balance.

• Structured Loan Repayments –

  *Step-up plans to match future income growth.

  *Grace periods to delay payments for financial flexibility.

  *Annual bullet payments for lump sum settlements.

  *Residual balance repayment options.

DFCC Bank has partnered with leading property developers in Sri Lanka to offer exclusive home loan packages with special benefits for selected condominium projects.

Click Here to View Partnered Condominium Projects

• Purchase, construct, or renovate your own house.

• Acquire a private block of land.

• Purchase a condominium property.

• Extend or complete an existing home.

• Undertake home improvements, such as adding solar panels or other enhancements.

• Salaried and Fixed-Income Professionals

• Minimum monthly gross income of LKR 50,000 (Basic + Fixed Allowances + 50% of Variable Allowances)

• Fill the inquire now section or

• Visit our nearest Branch – Check the Branch Near You

• Application form

• Vendor’s consent specifying the agreed selling price (required only for the purchase of land or residential property).

If employed,

• Employer confirmation letter specifying designation, salary, allowances, and period of service.

• Employee undertaking to remit salary to the DFCC Bank account.

• Salary slips for the last six months.

• In case of other income,

*Bank statements for the last six months.

*if applicable

*Certificate of Business registration

*Income tax particulars for the past 3 years

*Financial statements for the past 3 years

• Legal Documents:

*Copies of the title deeds

*Approved survey plan as referenced in the deed and duly approved by the Local Authority.

Condition: The bank may request additional details/documents if needed.

01. What is the “Express Housing Loan”?

The Express Housing Loan is a fast-track home loan offering designed for homebuyers who need quick financing. It guarantees disbursal within 10 days, providing an easy, hassle-free application process and rapid approval cycle.

02. How long does it take to get the loan disbursed?

Once the completed set of documents are collected, the disbursal will be completed within 10 working days. (Application collection to disbursement is 10 days)

03. What are the benefits of the “Express Housing Loan”?

• Speed: 10-day disbursal guarantee.

• Convenience: A simplified, straightforward application process.

• Accessibility: Designed for homebuyers who need fast financing.

04. Is there any fee associated with the loan?

Yes, there is an additional charge for processing the loan with below services

• Title search and legal due diligence.

• Drafting and reviewing of property sale agreements.

• Transaction management and legal guidance.

• Collection of property related documents on behalf of the customer that are required for execution of Mortgages – Local authority documents, Copies of Deeds and plans from Land Registry, Extracts.

05. What are the eligibility criteria for the “Express Housing Loan”?

Minimum monthly gross income of LKR 50,000 (Basic + Fixed Allowances + 50% of Variable Allowances)

06. Can I apply for this loan if I have an existing home loan or other financial commitments?

Yes, you can apply, provided you meet the eligibility criteria, including a suitable Debt Service Coverage Ratio (DSCR)

07. How do I apply for the “Express Housing Loan”?

Visit any DFCC Bank branch, or speak to one of our Sales officers for assistance or email to info@dfccbank.com

08. What happens if the loan is not processed within 10 days?

If your application is not processed within the guaranteed 10-day disbursal period, bank will ensure you are informed of the reasons for the delay and take all necessary steps to resolve any issues.

09. Can I use this loan for purchasing any type of property?

The Express Housing Loan can be used for purchasing new or existing residential properties, including apartments, houses, or land. The property must meet the bank’s requirements and valuation criteria.

10. Is this loan available for both salaried individuals and self-employed individuals?

No, presently the Express Housing Loan is available for salaried individuals, as long as the eligibility criteria are met.

11. How will the loan amount be determined?

The loan amount will be based on your eligibility, which is assessed based on factors like income, credit score, property value, and your ability to repay the loan.

12. How do I track the progress of my loan application?

You can track the status of your application by contacting the branch or relationship manager.

13. Can I pay off my loan early? Are there any penalties?

Yes, you can pay off the loan early subject to an early settlement fee depending on the terms of the loan agreement.

14. Is there any pre-qualification check or a prior approval process to know if I am eligible?

Yes, a pre-qualification assessment or the prior approval to be obtained.

15. Will the “Express Housing Loan” be available at all DFCC Bank branches?

Yes, the Express Housing Loan is available at all DFCC Bank branches. You can apply by visiting any branch to begin your application.

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