{"id":18210,"date":"2026-05-07T11:47:02","date_gmt":"2026-05-07T11:47:02","guid":{"rendered":"https:\/\/www.hnbfinance.lk\/?page_id=18210"},"modified":"2026-05-07T12:13:57","modified_gmt":"2026-05-07T12:13:57","slug":"faq-general-leasing","status":"publish","type":"page","link":"https:\/\/www.hnbfinance.lk\/si\/faq-general-leasing\/","title":{"rendered":"Frequently Asked Questions (FAQ) &#8211; General Leasing"},"content":{"rendered":"<p>What are the basic requirements to apply for an HNB Finance (HNBF) leasing facility?<\/p>\n<p>A minimum initial payment (down payment) as per the leasing scheme<\/p>\n<p>A copy of National Identity Card \/ valid Passport \/ Driving License<\/p>\n<p>Proof of income (salary slips\/business registration\/bank statements)<\/p>\n<p>Proof of residence (utility bill or GS certificate)<\/p>\n<p>What types of leasing facilities are available?<\/p>\n<p>&nbsp;<\/p>\n<p>There are several types of leasing options available:<\/p>\n<p>&nbsp;<\/p>\n<p>Vehicle Leasing \u2013 For cars, three-wheelers, motorcycles, and electric vehicles( Brand New\/Reconditioned and Registered)<\/p>\n<p>Vehicle Loan \u2013 For cars \u00a0and electric vehicles ( Brand New\/Reconditioned and Registered)<\/p>\n<p>Vehicle Draft-\u00a0For cars \u00a0and electric vehicles ( Brand New\/Reconditioned and Registered)<\/p>\n<p>How long does it take to get leasing approval?<\/p>\n<p>&nbsp;<\/p>\n<p>Leasing approval can typically be processed within\u00a024\u201372 hours, subject to the submission of complete and accurate documentation.<\/p>\n<p>&nbsp;<\/p>\n<p>What are the special benefits of HNBF leasing?<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Competitive interest rates<\/li>\n<li>Flexible repayment periods<\/li>\n<li>Quick approval process<\/li>\n<li>Insurance and registration assistance<\/li>\n<li>Special promotional offers and discounts<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Can I settle my lease early?<\/p>\n<p>&nbsp;<\/p>\n<p>Yes. Early settlement is allowed:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>A settlement value will be calculated based on the outstanding balance<\/li>\n<li>Concessions or charges may apply depending on the agreement terms<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>What happens if I miss a monthly installment?<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>A late payment fee may be charged<\/li>\n<li>Continuous delays may affect your credit profile<\/li>\n<li>The company reserves the right to take necessary recovery actions<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Can I transfer my leasing facility to another person?<\/p>\n<p>&nbsp;<\/p>\n<p>Yes, subject to company approval:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>The new applicant must meet eligibility criteria<\/li>\n<li>Required documents and transfer fees may apply<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Can the leased vehicle be used for business purposes?<\/p>\n<p>&nbsp;<\/p>\n<p>Yes, depending on the leasing agreement:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Commercial use must be declared at the time of application<\/li>\n<li>Special terms may apply for business usage<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>What happens at the end of the lease period?<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Full ownership of the asset will be transferred to the customer<\/li>\n<li>All dues must be settled before ownership transfer<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Is insurance required for leasing?<\/p>\n<p>&nbsp;<\/p>\n<p>Yes:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Comprehensive insurance coverage is mandatory<\/li>\n<li>The leasing company may assist in arranging insurance<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Whom should I contact for further information?<\/strong><\/p>\n<p>Customer Service Hotline: 011 200 4848<\/p>\n<p>Visit your nearest branch or contact your leasing officer<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are the basic requirements to apply for an HNB Finance (HNBF) leasing facility? A minimum initial payment (down payment) as per the leasing scheme A copy of National Identity Card \/ valid Passport \/ Driving License Proof of income (salary slips\/business registration\/bank statements) Proof of residence (utility bill or GS certificate) What types of [&hellip;]<\/p>\n","protected":false},"author":46,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-18210","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/pages\/18210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/comments?post=18210"}],"version-history":[{"count":0,"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/pages\/18210\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.hnbfinance.lk\/si\/wp-json\/wp\/v2\/media?parent=18210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}