No, a salary transfer is not a mandatory requirement. However, maintaining a CDB Savings Account with a salary transfer may be considered a positive factor during the credit evaluation.

Yes. Joint applications with a spouse are accepted and combined income can be considered, which may improve your eligible loan amount.

Yes. During the construction phase, you are only required to pay interest for the first 12 months, giving you breathing room while your home is being built.

You will typically need your NIC or passport, income confirmation documents, bank statements, title deeds, a survey plan, local authority approvals, and a Bill of Quantities (BOQ) for construction or renovation projects. Condominium purchases require additional documents such as the Deed of Declaration and Condominium Plan.

Yes. CDB has a dedicated Migrant Worker Home Loan with terms tailored for Sri Lankans employed overseas, including remote application options and repayment via Lanka Money Transfer services.

Yes. CDB offers special benefits for customers who choose to settle their home loan before the end of the agreed repayment period.

CDB offers mortgage protection cover and fire insurance at competitive premiums. These protect both you and your property throughout the loan tenure.

Yes, the purchase of land is an eligible use under the CDB Home Loan facility.

Self-employed individuals and businesspersons are eligible to apply. Business registration certificates and bank statements will be assessed to determine your repayment capacity.

You can apply online at cdb.lk, visit your nearest CDB branch, or call +94 117 388 388. You may also submit an inquiry via the online form on the Home Loans page.