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

 Monday – Friday : 8:30am – 3:30pm 



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Pahan Piyasa is a housing mortgage loan from SMIB that is designed to help you make your dream home a reality.

Features and Benefits

  • Affordable interest rates.
  • Flexible repayment periods of up to 25 years.
  • Ability to apply jointly with a spouse.
  • Speedy personalized service with in-house valuation and legal assistance.
  • Fast and hassle-free processing.
  • Consultation for BOQ preparation and construction.

Eligibility Criteria

  • Resident Sri Lankans of age between 18 -70 years
  • Salaried employees, self-employed or business owners
  • Sri Lankan citizens employed overseas with verifiable income statements
  • Rental Income earners
  • Others who can provide details of a steady income from authorized personnel
  • Flexibility to apply either individually or jointly with a spouse, parents, or children

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)
  • BOQ (building estimate) in case of construction
  • Local authority documents obtained within the latest 6 months (Street Line Certificate, Non-Vesting Certificate)
  • Copy of the receipts of the taxes 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 above documents may vary (based on the conditions).

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

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