S M I B

The State Mortgage and Investment Bank (SMIB) is one of the most established
financial institutions in Sri Lanka.

 Monday – Friday : 8:30am – 3:30pm 

 1922 

 info@smib.lk 

 සිං  |  தமி

Mortgage Loans

The mortgage-backed personal loan from SMIB provides quick and reliable financial assistance for any personal or commercial purpose.


Features and Benefits

  • Speedy approval.
  • Quick and hassle-free process.
  • Flexible repayment periods up to a maximum of 15 years.
  • Ability to apply jointly with a spouse.
  • The maximum loan amount will be based on the repayment capacity and property value.
  • The total loan value is disbursed at once (not in stages).

Eligibility Criteria

  • Resident, Sri Lankan Citizen
  • Age between 18 -70 years
  • Salaried employees or business owners/self-employed individuals
  • Sri Lankans employed overseas.

Property documents

  • Latest registered title Transfer Deed / Title Certificate (whichever is applicable)
  • Copy of the approved Survey Plan
  • Copy of the approved Building Plan (to purchase /construct a house)
  • Proof for loan
  • Local authority documents obtained within the last 6 months (Street Line Certificate, Non-Vesting Certificate)
  • Copy of the receipt of the tax rates paid for the most recent quarter.
  • Confirmation letter from the Grama Niladhari division applicable to the land/property
  • Letter/ affidavit from the tenant (If applicable)
  • If the property to be mortgaged is a Condominium Property, the documents may vary on a case-by-case basis.

Conditions apply
For more information, visit our nearest SMIB Branch or Contact Us via our Call Centre at 1922

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LRA Ratings BBB | State Mortgage & Investment Bank is a Licensed Specialized Bank Supervised by the Central Bank of Sri Lanka.


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Head Office

No. 269, Galle Road, Colombo 03, Sri Lanka.

Contact

General: 011-7722722-3

Fax/Phone: 011-2575031

Email

info@smib.lk

Comments & inquiries only

Banking Hours

Monday – Friday
8:30am - 3:30pm

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© 2024 SMIB. All rights reserved.
Designed & Developed by Ogilvy Martech