Government Housing Loan

Ran Nivasa Housing Scheme

  • Ran Nivesa Housing Loan scheme is designed to meet the housing needs of customers



  • Purchase of a House
  • Construction
  • Purchase of land to construct a house thereon
  • Extension
  • Repairs


Loan Details

  • Loan amount  upto Rs.8 millon
  • Rate of interest 11.5% p.a. (current rate)
  • Period of repayment –upto 20 years/ upto the 55 years of age
  • Security - Mortgage over house & property /or any free-hold property



Eligibility requirement

  • Age between 18 -55  years
  • Sufficient income to pay monthly installment and interest
  • Ability to contribute 25% of the total cost
  • Maintain an account with the Bank of Ceylon/open a new account

Required documents

  • Evidence of income\salary
  • Title deed and certified extracts
  • Survey Plan
  • Title Report
  • Local authority documents :

- Certificate of Non-vesting

- Certificate of ownership

- Certificate of street lines

- Assessment notice for the current year

- Tax Receipt for the last quarter

- Agreement with the seller (if purchase)


* Conditions Apply

(Bank of Ceylon holds the authority to change, add or revise any condition, term or statement in this facility)

For more information, please contact the Manager at your nearest BOC Branch or

call centre: 011 220 4444

Apply Online