• 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

Borrow up to 75% of FSV and of the Bill of Quantity (BOQ) for construction projects and based on your 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

Choose between flexible or fixed interest rate plans to match your financial strategy.

• 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

• Salaried employees, business owners, and professionals.

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

• Personal Identification – NIC, passport, or driving license.

• Income Proof – Salary slips for the past 6 months or bank statements.

• Property Documents – Title deeds, survey plans, tax receipts, and relevant approvals from local authorities.

• Construction/Renovation Documents – Approved building plans, Bills of Quantities (BOQ), and contractor estimates.

• Insurance Policies – Decreasing Term Assurance (DTA) and fire insurance (assigned to the bank).

• Home Loan Calculator

• DFCC Branch Locator

• Home Loan Application Form