Check your loan eligibility

Your main income

Monthly take-home — after EPF, tax and deductions. For a business, use net profit.

Monthly incomeLKR

How is it documented?

Audited / certified accounts and tax returns

Banks count other income only as far as you can prove it. Tell us how it’s documented — we’ll show what counts.

Rental incomeCounts LKR 0
Monthly amountLKR
How is it documented?
No agreement, cash only

Add:

Existing monthly commitments that will show on your CRIB report.

Loan instalmentsLKRLeasing instalmentsLKRTotal credit card limitsLKRWe count 5% = LKR 15,000/monthPawning & other repaymentsLKR

We use the lowest rate in our comparison — 12% for SME Term.

AmountLKR

Tenure 7 yrs1 yr10 yrs

Debt burden ratio

41%

Between 40% and 50% — some banks will approve, often with a guarantor or lower amount.

Comfortable max (40%)LKR 3.4M

Stretch max (50%)LKR 4.8M

Over 7 yrs at 12%. Estimates only — each bank applies its own policy.

LKR 60,000/month of your income isn’t countedRental income is the biggest gap. Ask tenants to pay into your bank account and put the lease in writing.
Card limits add LKR 15,000/monthBanks count about 5% of your total card limit as a commitment, even if you don’t use it. Cancel or lower unused cards.
Stretch to 10 yrs: instalment falls to LKR 50,215A longer tenure lowers the monthly payment by LKR 11,570, though you pay more interest overall.