HNB Shanthi Home Loan
HNB Shanthi gives you the freedom to build or purchase a home of your own. Be it a basic house costing a couple of lakhs or a luxury mansion costing millions. We have a range of loans to suit a wide variety of budgets.
HNB home loans are designed with our customers in mind. Whatever your decision may be, be it to acquire, build or refurbish your home, our loans will assist in achieving your objective. HNB’s experienced financial advisers will assess your personal requirements and circumstances to provide affordable home loans for your convenience and flexibility.
HNB Shanthi Foreign Currency Home Loan
HNB introduces Shanthi Foreign Currency Housing Loans exclusively for Sri Lankans working overseas. Shanthi Foreign Currency Home Loans help you begin construction on your home in Sri Lanka while residing overseas. Loans can be obtained in designated currencies as applicable to NRFC Accounts such as US Dollars, Sterling Pounds, Euro, Japanese Yen, Swiss Frank, Australian Dollars, Canadian Dollars etc.
Since you are abroad you can give someone in Sri Lanka to do the documentation through a Power of Attorney and have built in a list of new advantages that help to make your dream of owning a home a reality.
HNB Shanthi gives you the freedom to build or purchase a home of your own. Be it a basic house costing a couple of lakhs or a luxury mansion costing millions. We have a range of loans to suit a wide variety of budgets.
HNB home loans are designed with our customers in mind. Whatever your decision may be, be it to acquire, build or refurbish your home, our loans will assist in achieving your objective. HNB’s experienced financial advisers will access your personal requirements and circumstances to provide affordable home loans for your convenience and flexibility.
Irrespective of the loan amount, you have the advantage of…….
Attractive interest rates
A choice of repayment periods
The unique step-up loan repayment scheme (assessing you on your future income and cash-flow)
This entitles you to……
A bigger loan which you can payback faster
Professional service
Fast approval
Attractive discounts on building materials
The convenience of service at a HNB Customer Centre in your neighborhood
ELIGIBILTY :
|
PURPOSE :
- Purchase of bare land for construction of a house
- Purchase of a house and property
- Construction of a house on land owned by the applicant
- Completion of a partly constructed house
- Renovation or extension of an existing house
INTEREST RATE :
Very attractive and competitive interest rates. A choice between ‘Fixed’ or ‘Floating’. Opt for floating and your interest payment will be based on the going market rate. The Floating interest rate is subject to review on Quarterly. If you want to keep your interest rate fixed, you can go for a fixed interest rate. |
LOAN AMOUNT :
- Minimum - Rs 100,000/-
Purchase of land or house:
|
Construction, Extension or Renovation :
The loan amount will be up to 80% of the Bill of Quantity (Estimate) provided the bank has not advanced funds for the purchase of land.
Further the loan amount will be decided on your repayment capacity taking into consideration your living expenses, commitment towards existing loans obtained and your age. Loans in excess of Rs 5 Million will be considered on a case by case basis.
REPAYMENT PERIOD :
The repayment period can be spread over a maximum period of 25 years depending on the age of the applicant. |
YOUR NEXT MOVE :
Download the application form. Clarify any clause that is not clear to you, fill up the form and hand it over to any of our HNB Customer Centre island wide. And from then on, leave it to SHANTHI and HNB to give your dream home in the shortest possible time.
Submission of the under mentioned documents would enable us to process your application fast.
Documents to be submitted along with the application
- Letter from the vendor for the purchase of property
- Building Plan approved by the Local Authority with a copy.
If approval is not required, a letter issued by the Local Authority to this effect. - Bill of Quantities acceptable to the Bank (Two Copies ) for the proposed
construction - Valuation Report of the property to be mortgaged from a Valuer in the Bank’s
Panel of Valuers (This will be arranged by the bank & expenses should be
borne by the applicant). - Letter from employer confirming present salary and any other fixed allowances
- Employed abroad :
- Photo copies of the employment contracts, also letter confirming extension of the contract to cover the loan period of 05 years
- Photo copies of the pass port & visa documents
Legal Documents
- Original Title Deeds for 25 years (Certified copies may be required in the absence of originals)
- Certified Extracts of the Property concerned for a period of 30 years (To be obtained not less than one month from the date of application)
- Survey Plan referred to in the Deed which is duly approved by the Local Authority. Even the same is more than 10 years old a new Survey Plan which is duly connected to the former Plan is required.
- Street Line & Building Line Certificate
- Non vesting Certificate (issued within the last 03 months)
- Certificate of Ownership (from the date of application)
- Receipts in proof of payment of rates (if required)
- In case the loan is for purchase of property:
- original of the Agreement to sell duly registered in the Land Registry or Letter of Consent from the seller to sell the property to the applicant.
- If the property consists of a building – Approved Building Plan – Certificate of Conformity.
- In case the loan is for construction purposes: Approved Building Plan
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Fill up the form and hand it over to any of our HNB customer centres island wide. | |
If you need any further clarification, please feel free to contact
| Mr.N Premarajah | : | +94 11 266 1961 |
| (Snr.Manager – Consumer Banking & Housing Finance) | ||
| Ms.Tharini Mahesan | : | +94 11 266 1982 |
| (Asst. Manager – Housing Loans & Personal Financial Services) | ||
| Ms.Pradeepa Purasinghe | : | +94 11 266 1981 |
| Mr. K.K.R Nishantha | : | +94 11 266 1923 |
Address :
Personal Financial Services
Consumer Banking Department
HNB Towers, Level 06,
Hatton National Bank Ltd,
No 479, T.B. Jayah Mawatha,
Colombo 10,
Sri Lanka.
Telephone :+94 11 266 1961 / 82 / 81 / 23
Facimile :+94 11 266 4892
E-mail : shanthih@hnb.lk
Website : http://www.hnb.net
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