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Home Improvement Loan

Today, be spoilt: HSBC Home Loan

Completing your dream home

Our home loans will help you transform your dream home into a reality. Obtain a housing loan from HSBC and complete your home the way you've always wanted to!

What are the features and benefits?

  • No personal guarantors or down payments
  • Home loan amount maximum to be LKR3,500,000
  • Option of repaying the loan based on a reducing balance or an equal installment scheme
  • Flexibility to choose the repayment period of up to 5 years (60 installments)
  • Choice of both fixed and floating rate interest rate options
  • Freedom of making a joint application (spouse only) provided the joint applicant earns the minimum remuneration as specified below

Am I eligible?

If you are

  • between 18 and 55 years of age
  • employed in an established company
  • Currently employed in a confirmed post
  • For existing HSBC Customers: Earning a net remuneration of LKR20,000/- (with a minimum basic salary of LKR15,000/-) excluding vehicle allowance
  • For Non HSBC Customers: Earning a net remuneration of LKR30,000/- (with a minimum basic salary of LKR25,000/-) excluding vehicle allowance


then yes, you are eligible to apply for a Lifestyle Loan

How do I apply?

By submitting the following

  • A duly completed Lifestyle Loan application & promissory note
    Lifestyle Loan application (Download Now)
  • A Copy of NIC
  • A letter from employer confirming employee details (as per the application specimen)
  • A set of Bank statements and pay slips for the last three months
  • A copy of a recent utility bill (only for non existing HSBC customers)


If you meet the eligibility criteria and the documents you provide us are complete, the loan will be approved in principle on the next working day.



Need more information?

For more details about our Lifestyle Loans, please call our Phonebanking hotline on 4 4722 77. You can also visit any of our branches.