Housing Loans
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  • Rates on Lending (Fixed)
 
Loan Scheme Interest Rate (%)
Mortgage
Kedella 15.00
Sirisara 15.00
Educational Loans 15.00
EPF
EPF Flexi Loan 15.50
EPF Smart Loan 16.00
EPF Advantage Loan 16.50
Guarantor
Personal Guarantee 18.00
HDFC Diriya /Viru Diriya 16.00
Gold
HDFC Gold Loan 14.50
Finance Lease:
Finance Lease - Motor Cars , Vans, SUVs, Double Cabs 14.50
Finance Lease - Three Wheelers, Bikes 25.00
  • Floating Interest Rates
 
Scheme 1 (Rates based on AWPLR and reviewed every 3 months)  
Product Rate of Interest %
Kedella -Mortgage 11.59 (AWPLR)* + 3%
Development Credit - Mortgage 11.59 (AWPLR)* + 3%
Corporate Credit - Mortgage 11.59 (AWPLR)* + 2.5% to 3%
Scheme 2 (First year rates are fixed and reviewed quarterly based on AWPLR)  
Product Rate of Interest %
First year After 01 year
EPF Flexi 15.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
EPF Smart 16.00% quarterly reviewed at AWPLR* (monthly average) +3.5%
EPF Advantage 16.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
Kedella -Mortgage 14.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
Education Loan - Mortgage 14.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
Scheme 3 (First 2 years rates are fixed and reviewed quarterly based on AWPLR)  
Product Rate of Interest %
First 2 years After 02 years
EPF Flexi 16.00% quarterly reviewed at AWPLR* (monthly average) +3.5%
EPF Smart 16.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
EPF Advantage 17.00% quarterly reviewed at AWPLR* (monthly average) +3.5%
Kedella -Mortgage 15.00% quarterly reviewed at AWPLR* (monthly average) +3.5%
Education Loan - Mortgage 15.00% quarterly reviewed at AWPLR* (monthly average) +3.5%
Scheme 4 (First 5 years rates are fixed and reviewed quarterly based on AWPLR)  
Product Rate of Interest %
First 5 years After 05 years
EPF Flexi 16.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
EPF Smart 17.00% quarterly reviewed at AWPLR* (monthly average) +3.5%
EPF Advantage 17.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
Kedella -Mortgage 15.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
Education Loan - Mortgage 15.50% quarterly reviewed at AWPLR* (monthly average) +3.5%
Product Rate of Interest %
First 05 years After 05 years
Salaried Employees of Private and Public Sector - Housing Mortgage 11.59% (AWPLR)* Prevailing AWPLR* + 2%
*Current Monthly Average Weighted Prime Lending Rate published by CBSL