Your apartment. Your space. Your way.

Whether you're purchasing a completed apartment, securing a unit under construction, settling an ongoing balance, or giving your apartment the finishing touches, CDB Apartment Loans give you the financing support you need to make your move.

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Up to 90% financing

Up to 15 years Or retirement age, whichever is lower

Own your next chapter

Apartment living, financed around you.

CDB helps you take the next step towards owning an apartment that fits your lifestyle and aspirations — whether that's a completed condominium unit ready to move into, or a unit still under construction in an approved project. The facility can be used for apartment purchases, balance payments for ongoing projects, and renovation or interior finishing — all under one loan built around how apartment ownership actually happens.

Why choose a CDB Apartment Loan

Financing built for apartment living.

Coverage, repayment terms, and flexibility designed around how apartments are bought, built, and finished.

Completed & Under-Construction

Purchase a completed condominium unit or secure an apartment that is still under construction.

Up to 90% Financing

Up to 90% of the purchase price for under-construction units, or 80% of market value for completed units, subject to valuation and repayment capacity.

Repayment up to 15 Years

Enjoy a repayment period of up to 15 years, or up to the applicable retirement age, whichever is lower

Flexible Repayment

Choose a structure that suits your finances, including equal monthly instalments and selected step-up or flexible repayment options.

Finance your apartment your way

Use the facility for purchases, balance payments on ongoing projects, or renovation and interior finishing.

Who is eligible

Built for every kind of apartment buyer.

Who can apply

Salaried employees in confirmed or permanent employment
Professionals such as doctors, engineers, lawyers and accountants
Business owners and self-employed individuals
Sri Lankan emigrants and foreign income earners
First-time home buyers
Property investors seeking rental income from condominium units

What you can use it for

Purchase a completed apartment - Finance the purchase of an eligible completed condominium unit.
Purchase an apartment under construction - Secure an apartment in an approved project with stage-wise disbursement based on verified construction progress.
Settle an ongoing balance - Use the facility towards balance payments for eligible ongoing apartment projects.
Renovate your apartment - Finance renovation or interior finishing work for your purchased apartment.