Home Loan Calculator

Property Value
Down Payment (%)
Interest Rate (p.a)
Loan Period

Your estimated monthly payment

The value is based on Equated Monthly Installment (EMI)

Loan Amount:
Interest Rate (p.a):
Total Interest Payable:

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This calculator could be used to calculate loans in USD and LKR. This is for illustration purposes only. (The actual loan installment is calculated based on the loan granted date and first repayment date and therefore may be different to the installment indicated in the calculator.)


What is a Mortgage / Home Loan?

A Mortgage or a Home Loan is a loan taken out to buy a property or land. Once a mortgage is taken, the borrower will need to pay off the loan amount plus the interest to the lender. If the borrower fails to pay the loan, then the ownership of the property or land will be passed on to the lender.

How much can I borrow?

The amount that can be borrowed will ultimately be decided by the lender and is dependent on factors such as your income, other borrowings/loans that you may have and your current expenses.

What documents do I require to apply for a Home Loan?

Below are some of the documents that the banks will ask before they approve your loan:

Copy of NIC (National Identity Card) or Passport.
Last 3 months’ salary slips.
Letter from your employer confirming your particulars.
If you are an entrepreneur, bank and financial statements in relation to the business.
Statements of bank account(s) to which the salary was remitted during at the last 3 months.
Details of any other loans that you currently have.
Marriage Certificate (for joint applicants).

Kindly check the exact documentation requirement from the financial institution which you plan on obtaining the loan from.

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