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Nations Home Loan
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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