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Nations Home Loan
Build the Home You’ve Always Dreamed
From taking your first step into homeownership to enhancing the space you already love, Nations Home Loan makes the entire journey simple, smooth, and completely stress-free.
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Sample Penal Interest Calculation
Overdue Installment Amount: LKR 50,000.00
Normal Interest Rate: 10% p.a
Penal Interest Rate: 2% p.a (over and above normal interest)
Total Effective Rate on Overdue Amount: 12% p.a (10% p.a + 2% p.a)
Number of Days Overdue: 30 days
Total interest on overdue Amount (10% p.a + 2% p.a)
Total interest = (50,000 × 12% p.a × 30 days) / 365 days = LKR 493.15
Benefits
Loan amounts from Rs. 3 million up to Rs. 75 million*
Choice of fixed or floating interest rates for added flexibility *
Repayment terms of up to 25 years, tailored to your financial goals *
Joint applications available with your spouse *
FAQs
It’s a long-term financing solution that helps you buy, build, or renovate your dream home.
Salaried or self-employed Sri Lankans and professionals working overseas (NRFC/RFC holders).
Up to 70% of the property value, based on your repayment capacity.
Up to 25 years, giving you flexibility and comfort in repayment.
Attractive fixed or floating rates are available — customized to your financial profile.
Yes. Joint applications are accepted for higher eligibility.
- Credit Documents
- Duly completed Nations Home Loan application form
- A copy of National Identity Card
- Recent 3-month salary slips
- A letter from your employer confirming your employment and income
- Salary remitting bank statements for the last 3 months
- Security Documents
- Approved Survey Plan
- Latest registered Deed
- Local Authority documents (Street line/Non vesting/ Ownership certificates
- Approved Building Plan
- Selling Agreement
- Condominium Declaration
- Condominium Plan
- Certificate of Conformity (COC)
(Requirement may change based on employment and loan purpose)
Yes. Life and property insurance are mandatory for your protection.
Yes, NTB offers a balance transfer option for taking over home loans from other banks.
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