• Wide Range of Financing Options

  Loans available for buying, building, renovating, or extending a house or apartment, and the purchase of bare land.

• 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.

• 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).

• 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.

• Fast Pre-Approvals

  Secure pre-approved financing in just 3 working days, ensuring confidence in your investment decision.

• Personalised Customer Support

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

• 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 employees, business owners, and professionals.

• Minimum gross monthly 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.

• Home Loan Application Form

• Home Loan Calculator

• DFCC Branch Locator