I checked current bank offers and public pages (today: Sept 16, 2025). Rates change frequently and many banks run time-limited promotions, but at present the lowest advertised housing/home‑loan rates in Sri Lanka are being offered by the following institutions:

• Commercial Bank of Ceylon — promotional/home loan rates reported as low as 7.0% p.a. for government & public‑sector employees and from ~8.25% p.a. for other borrowers (current ComBank home‑loan campaign). (combank.lk)

• Seylan Bank — advertised home‑loan offers starting around 9.5% p.a. (indicative starting rate on Seylan product pages/announcements). (seylan.lk)

• Bank of Ceylon (BOC) — public page lists housing loans “from 10% p.a.” as an indicative rate. (boc.lk)

• HDFC / other specialist housing lenders and some private banks — third‑party rate comparisons list HDFC and a few lenders with competitive/variable offers around the low double digits (example aggregators show HDFC among the lower‑end providers), but exact pricing depends on fixed vs floating windows and borrower profile. (hdfc.com)

Notes & practical tips

• Promotional and concessionary schemes (e.g., the 7% rate for government/public employees) are often limited in eligibility and time; confirm current campaign dates and eligibility on the bank’s site or branch before applying. Commercial Bank’s promo pages explicitly show the 7%/8.25% offers as campaign rates. (combank.lk)
• Advertised “starting” rates are headline figures. Your actual rate will depend on: loan amount, tenure, fixed vs floating component, your salary/account relationship, credit history, loan‑to‑value (LTV), and any special concessions (salary account, employer tie‑ups). See banks’ product pages for details. (seylan.lk)
• Because rates move with monetary policy and bank campaigns (CBSL policy changes and bank promos affected pricing in 2025), I recommend checking each bank’s official housing‑loan page or calling branches for the exact, up‑to‑date rate and full cost (fees, prepayment charges, margin over AWPLR/AWPR/AWPLR‑linked structures). Recent central bank moves in 2025 have influenced lending rates. (reuters.com)

If you want, I can:

• Compare 3–5 specific banks’ current published home‑loan tariffs (I’ll fetch the latest rates and fees right now), or
• Build an EMI comparison for a loan amount and tenure you specify using the advertised rates above.