HNB Home Loan

Hatton National Bank offers highly competitive interest rates to its customers. These rates are regularly reviewed to ensure that the customers are being provided the most effective rates for their investments with Hatton National Bank.

The current interest rates of the banking products can be viewed by selecting the related product from the list below :

HNB Home Loans

Type

Tenure

For Salary Smart/ HNB Youth Customers Only

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

Type

Fixed

Tenure

Up to 3 Years

With Salary Remittance

13.00%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

15.00%

Type

Fixed

Tenure

4 to 5 Years

With Salary Remittance

13.50%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

15.50%

Type

Fixed

Tenure

6 to 7 Years

With Salary Remittance

14.50%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

16.50%

Type

Fixed

Tenure

8 to 10 Years

With Salary Remittance

15.50%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

17.50%

Type

Fixed

Tenure

11 - 12 Years

With Salary Remittance

3 / 5 / 10 Years fixed followed by AWPLR + 3.00%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

3 / 5 / 10 Years fixed followed by AWPLR + 3.50%

Type

Fixed

Tenure

13 - 15 Years

With Salary Remittance

3 / 5 / 10 Years fixed followed by AWPLR + 3.00%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

3 / 5 / 10 Years fixed followed by AWPLR + 3.50%

Type

Fixed

Tenure

Above 15 Years

With Salary Remittance

3 / 5 / 10 Years fixed followed by AWPLR + 3.00%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

3 / 5 / 10 Years fixed followed by AWPLR + 3.50%

Type

Floating

Tenure

Up to 10 Years

With Salary Remittance

AWPLR + 2.50%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

AWPLR + 3.00%

Type

Floating

Tenure

Above 10 Years

With Salary Remittance

AWPLR + 2.75%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

AWPLR + 3.25%

Foreign Currency Home Loans

Type

For Salary Smart/ HNB Youth Customers Only

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

Type

Fixed rate

Upto 5 Years

5 – 7 Years

For Salary Smart/ HNB Youth Customers Only

7.50%

8.00%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

7.50%

8.00%

Type

Floating (USD Only)

Upto 5 Years

5 – 7 Years

For Salary Smart/ HNB Youth Customers Only

6 months SOFR + 3.00%

6 months SOFR + 3.50%

Floor of 6.00%

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

6 months SOFR + 3.00%

6 months SOFR + 3.50%

Floor of 6.00%

Type

Any other currency

For Salary Smart/ HNB Youth Customers Only

Please refer Treasury Division

Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients

Please refer Treasury Division

Special Rates for Home Loans – Valid up to 31.12.2024

Tenor

Fixed Rate

Tenor

1 year

Fixed Rate

11.50%

Tenor

2 years

Fixed Rate

11.50%

Tenor

3 years

Fixed Rate

11.50%

Tenor

4 years

Fixed Rate

12.50%

Tenor

5 years

Fixed Rate

12.50%

Tenor

6 years

Fixed Rate

13.00%

Tenor

7 years

Fixed Rate

13.00%

Tenor

8-10 years

Fixed Rate

13.50%

All fixed rates will be followed by AWPLR + 2.5%

Above special rates will be applicable strictly for the following categories. 

Salaried /Professionals/ SL working abroad with min income of Rs. 300,000 p.m. subject to direct salary/ Income remittance to HNB Account/s.
Business client with average income above Rs. 1.0 Mn p.m to be routed through HNB Account/s
All Club and Priority customers. (Provided the required deposit amount is held with HNB)

Last rate change effected on: 2024-12-04