This housing loan scheme is specially designed for Sri Lankans who are working aboard having a monthly income either individually or jointly with spouse. You can start building your own home even you are away from the mother land.

Purpose :

  • Purchase of a house or Land. 
  • Construction of a house. 
  • Purchasing a bare land & constructing a house for residential purposes. 
  • Complete the construction of a partially built house. 
  • Renovate, modify or extend an existing house


Have a Current / Savings Account and PFCA account with Sampath Bank PLC.

Period :

Maximum repayment period will be 05 years and should not exceed the balance period of employment abroad.

Loan Amount :

  • The maximum loan amount is determined, considering the repayment capacity & the Forced Sale Value (FSV) of the property as determined by the Bank 
  • To purchase a house or to purchase a land and construct a house, applicant can borrow up to 70% of the total cost of the housing project. 
  • To Extend or renovate your house, applicant can borrow up to 90% of the bill of quantity (BOQ) value. 
  • Loan will be in USD and proceeds of loan will be released only in Sri Lankan rupees. 

Security :

  • Primary mortgage over the property on which the facility to be granted. 
  • Another property owned by the applicant can also be considered for mortgage on a case by case basis. 

Documents to be submitted :

  • Application (Can be downloaded) 
  • Letter from employer stating that Net salary, Allowances, Designation, Period of service including the period of balance employment. 
  • Last 06 months salary slips. 
  • Last 06 months bank statements. 
  • Copy of the service agreement. 
  • Copy of the passport/Visa.

Legal Documents:

  • Copy of the title deed 
  • Copy of the survey plan 
  • Certified extracts for last 30 years
  • Local Authority certificates.
    • Street Line/Building line 
    • Non vesting 
    • Ownership certificate 
    • Tax receipts/Assessment Notices
  • In the case of construction
    • Approved building plan and
    • Bill of quantity (BOQ)
  • In case of purchase of a house,
    • Consent of the vendor indicating the selling price 
    • Certificate of conformity (COC)

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