• Competitive interest rates – Choose between fixed or flexible rates.

• Fast loan approvals – Fast-tracked home loans in Sri Lanka typically approved within 3 working days.

• Flexible repayment terms – Loan tenures up to 20 years.

• Customised financing – Includes structured repayment plans.

• Exclusive customer service – Dedicated relationship managers and doorstep banking.

• Condominium financing – Partnered with leading developers for apartment purchases.

• Eco-friendly financing – Loans for green home improvements, including solar panels.

To qualify for DFCC Pinnacle Home Loans, you must be a DFCC Pinnacle member and meet the bank’s home loan eligibility criteria.

For more details, contact your DFCC Pinnacle Relationship Manager or visit your nearest DFCC Bank branch.

Home Loan Purposes

DFCC Pinnacle Home Loans can be used for:

• Purchasing, building, or renovating your home.

• Acquiring land for future development.

• Buying a condominium (residential or investment purposes).

• Expanding or completing an existing house.

• Home improvements, including solar panel installations and eco-friendly upgrades.

Repayment Terms

• Maximum repayment tenure: Up to 20 years, subject to retirement age (maximum 60 years).

• Flexible repayment options:

  • Equated Monthly Instalments (EMI) – Fixed capital + interest payments.

  • Equal Monthly Instalments – Equal capital payments, reducing interest over time.

  • Structured repayment plans – Step-up payments, grace periods, annual bullet payments, and residual balance options.

Use our Home Loan Calculator to estimate your monthly instalment.

• Loan value depends on your repayment capacity and the Forced Sale Value (FSV) of the property.

• Up to 75% financing for construction loans, based on the Bill of Quantities (BOQ).

• Special financing available for condominium properties, in partnership with Sri Lanka’s top real estate developers.

General Documentation

• Completed loan application form.

• Vendor’s consent letter (for property purchases).

For Salaried Applicants

• Employment confirmation letter stating job title, salary, and service period.

• Employer’s agreement to remit salary to a DFCC account.

• Last six months’ salary slips.

For Self-Employed Applicants & Additional Income

• Last six months’ bank statements.

• Business registration certificate (if applicable).

• Income tax records and financial statements for the past three years.

Legal Documentation

• Title deeds and related survey plans.

• Certified property history extracts (last 30 years).

• Local authority documents (issued within the last six months), including:

  • Street line/building line approvals.

  • Non-vesting certificates.

  • Ownership certificates.

  • Tax receipts/assessment notices.

For Home Purchases & Construction Loans

• Approved building plans (or a letter confirming no approval is required).

• Certificate of Conformity (COC) for property purchases.

• Bill of Quantities (BOQ) (for construction loans).

Insurance Requirements

• Decreasing Term Assurance (DTA) policy covering the full loan amount.

• Fire, SRCC, and subversive insurance, assigned to DFCC Bank.

Additional documents may be required on a case-by-case basis.

1. Verify eligibility – Confirm that you qualify under the DFCC Pinnacle segment.

2. Gather required documents – See the documentation checklist above.

3. Visit your nearest DFCC branch or contact your Pinnacle Relationship Manager.

4. You may also call us 24/7 on 011-2350000 and we’ll send a representative to you

5. You may also choose to begin the application process online right now.

1. What is DFCC Pinnacle Home Loans?

A premium home financing solution offering competitive rates and flexible repayment terms for buying, building, or renovating a home.

2. Who is eligible?

Customers under the Pinnacle Segment/Proposition who meet DFCC Bank’s loan criteria.

3. What documents are required?

• Completed loan application form.

• Vendor consent letter (for purchases).

• Employment confirmation & salary slips.

• Title deeds & other legal documents.

4. How quickly can I get the loan approved?

Applications are typically processed within 3 working days once income details are verified.

5. What repayment options are available?

• EMI (Equated Monthly Instalments) – Fixed capital + interest payments.

• Equal Monthly Instalments – Equal capital, reducing interest over time.

• Structured repayment plans – Step-up payments, grace periods, bullet payments.

6. What is the maximum loan amount?

Determined by your repayment capacity and the property’s FSV. Up to 75% of the BOQ for construction loans.

7. Are there any insurance requirements?

Yes, the loan requires a Decreasing Term Assurance (DTA) policy and fire insurance assigned to the bank.

8. How do I apply?

Contact your Pinnacle Relationship Manager or visit any DFCC Bank branch for assistance. You may also begin applying online right away.

• DFCC Pinnacle (Personalized Banking)

• DFCC Pinnacle Loans

• DFCC Pinnacle Investment Solutions

• DFCC Pinnacle Home Loan Application Form

• DFCC Pinnacle Home Loan Terms & Conditions