Banks
Compare reference bank rates and model personal and housing loan repayments before you apply. All calculators use reducing-balance maths common in Sri Lankan retail lending.
How Sri Lankan bank loans are usually structured
Most personal and housing products use reducing balance: interest is charged on the outstanding principal each month, so early payments carry more interest than later ones. Our calculators mirror that structure so you can reconcile with bank quotations.
Compare rates before you sign
Use Rates & Charges for orientation, then enter the same rate and tenure in the personal or housing loan calculator. Adjust tenure to see how monthly cash flow changes against total interest paid.