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Foreign Currency Home Loans

For a home of
your own

Are you a Sri Lankan employed abroad? Then you too can apply for a Home Loan in selected foreign currencies and pay back in the same currency.


The Essentials

  • You can get the loan in selected foreign currencies

  • You can pay back in a currency of your choice

  • Flexible approach and fast approval

  • Fixed or floating rate of interest

  • Attractive and competitive interest rates

  • Loans to build, purchase,  renovate or settle an existing Home Loan



Benefits of a Commercial Bank Home Loan

  • Special discounts up to 35% for building materials including Roofing sheets, Cement & allied products, Paints & allied products, Floor/ Wall tiles, allied electrical accessories, Wood care products, Bathroom fittings & accessories and PVC pipes & fittings, Hardware items for loans obtained for construction

  • Loan approval in 3 days without any additional charges

  • Longer repayment period

  • Flexible approach and fast approval

  • Attractive and competitive low interest rates

  • Convenience of our island wide branch network


You could obtain a Home Loan to

  • Purchasing a house, apartment or land

  • Building a house

  • Completing a partially built house

  • Renovate, extend, complete a house 

  • Paying off an existing home related loan


To qualify

You should be a Sri Lankan employed abroad who is in a position to service such loans in foreign currency. 

Should have been continuously employed overseas for a minimum period of 2 years and also should have a contract for future employment for a minimum period of 1 year.


The currencies

  • US Dollars

  • Sterling Pounds

  • Euro

  • Australian Dollars

  • Canadian Dollars


Loans limit

Depending on your need and income, you could borrow from USD 25,000/- to USD 100,000/- or equivalent in other currencies mentioned above. Loans exceeding USD 100,000/- could be considered depending on case by case basis.


Loans repayment

Loans are granted for a maximum period of 5 years and the monthly installment would be in foreign currency on a reducing balance basis


Home Loans to purchase condominium 

We have tied up with some of Sri Lanka’s leading Condominium Property Developers to support the aspirations of Sri Lankans seeking to purchase apartments in several popular locations in Colombo, suburbs and in Kandy.

You can obtain up to 80% of the value of an apartment at competitive interest rates with flexible repayment options, and that the loans can be disbursed within a week from the date of application where there exists tripartite agreements between the Bank, the Borrower and the Developer.

You only need to provide the Sales and Purchase Agreement along with your personal and income related information to apply for the loan. Loans can be granted in Sri Lankan Rupees or in Foreign Currency (available only for Sri Lankans who are employed Abroad) depending on your choice and Foreign Currency Loans can be repaid in the same currency, through NRFC accounts.

Condominium Apartments >>

Discount Scheme>> 


Terms & Conditions apply
Product information and terms & conditions are subject to change from time to time. Therefore, it is advisable to contact the branch nearest to you for the latest information and prevailing terms & conditions.

Apply for a loan

Who can apply 

If you are a Sri Lankan citizens employed abroad who are in a position to service· such loans through NRFC accounts and posses a valid Work Visa (Employment Visa), you can apply for this facility.

How to apply

  • Download application form and submit the filled form to any Commercial Bank branch 
  • If you already maintain an account with Commercial bank, you can email the application form to your branch.

Apply now