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

 Monday – Friday : 8:30am – 3:30pm 



 සිං  |  தமி

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

Leave a comment

Please leave your details and any comments or inquiries you may have in the form below. Our attentive team will review your message and assist you soon.


Pahan Piyasa

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

Read More  

Auto Chance

Auto Chance is a vehicle loan scheme to boost transportation, agriculture, and tourism industries for economic development activities in the...

Read More  

EPF Loans

The EPF Loan from SMIB is granted to any employed individual by pledging as security his/ her Employees’ Provident Fund...

Read More  

Personal Loans

SMIB Personal Loan provides easy and quick financial support for you to meet emergency expenses or make any dream come...

Read More  

Subscribe us & receive latest updates

By subscribing to SMIB, you can stay updated with the latest information about our services and become eligible for exciting benefits.