• Home Loan 4U

Attractive interest rate

Attractive interest rate for residential acquisition and residential construction.

Easy installments

Choose easy installments with the same amount every month

1. Thai nationality, living and working in Thailand.

2. Salaried, Contract employee of government official or State enterprise and Self-employed/ Business Owner.

3. Age 21 to 62 years old (When including age of borrower with tenor, it must not be more than 65 years old).

4. Working Experienced

  • 6 months* for Salaried/ Government Officer/ State enterprise officer
  • 1 year** for Contract employee of government official or State enterprise
  • 2 years*** for Self-employed/ Business Owner

*Pass probation in current job and can be counted a continuous time from old job by documents or proof verification.
**Must provide proof of employment.
***Must have business registration or business issued by government official or reliable entity/business entity that can be verified.

5. Monthly Income

> 15,000 THB

 

> 10,000 THB

No minimum

> 15,000 THB

> 15,000 THB

 

> 10,000 THB

No minimum

> 15,000 THB

> 30,000 THB/ person / business

> 30,000 THB/ person / business

No minimum

> 30,000 THB/ person / business

> 30,000 THB/ person / business

> 30,000 THB/ person / business

No minimum

> 30,000 THB/ person / business

Occupation

Office Address

 

Bangkok and Surrounding Area*

Provincial Area

Employee

- Single Borrower

- In case of co-borrower

Main Borrower

Co-borrower

Main Borrower + Co-Borrower

 

> 15,000 THB

 

> 10,000 THB

No minimum

> 15,000 THB

 

> 15,000 THB

 

> 10,000 THB

No minimum

> 15,000 THB

Self-employed/ Business Owner

- Single Borrower

- In case of co-borrower

Main Borrower

Co-borrower

Main Borrower + Co-Borrower

 

> 30,000 THB/ person / business

 

> 30,000 THB/ person / business

No minimum

> 30,000 THB/ person / business

 

> 20,000 THB/ person / business

 

> 20,000 THB/ person / business

No minimum

> 20,000 THB/ person / business

*Surrounding area: Nonthaburi, Pathumthani, Samutprakam, Samutsakorn and Nakompathom

 

Document

Salaried / Government officer / State enterprise officer / Contract employee of government official or state enterprise Self-Employed
Personal Document

- Copy of Identity Card / Copy of Government Official Card /
Copy of State Enterprise Official Card (Specify ID Number)

- Copy of House Registration

- Copy of name and surname changing certificate (if any)

- Copy of marriage / divorce registration (if any)

- Copy of Identity Card / Copy of Government Official Card /
Copy of State Enterprise Official Card (Specify ID Number)

- Copy of House Registration

- Copy of name and surname changing certificate (if any)

- Copy of marriage / divorce registration (if any)

Financial document

- Original / Copy payroll slip or salary confirmation letter from employer updated within last 2 months

- Copy of bank statement payroll transaction code,
last 3 consecutive months

- Copy of Trade registration of company registration (For Limited company, a copy of shareholder list is required) certificated by Ministry of Commerce date within the last 6 months or any evidence issued by government official or reliable entity or business entity

- Copy of bank statement, no later than 6 months

Collateral document

1. Buy new home

     - Copy of Land Title deed / Copy of Property Rights Document
     - Copy of Purchase Agreement / Copy of Preemption / Copy of Quotation

2. Residential Construction

    - Copy of Blueprints, Construction Contract, Construction permission

Interest Rate

  • For House
Type Year 1-3 For the rest year Average 3 years Interest Effective Interest Rate*
Insurance MRR-3.325% MRR-2.00% 4.55% 5.54%
No Insurance MRR-3.025% MRR-2.00% 4.85% 5.62%

 

  • For Commercial Building
Type Year 1-3 For the rest year Average 3 years Interest Effective Interest Rate*
Insurance MRR-2.675% MRR-1.85% 5.20% 5.82%
No Insurance MRR-2.375% MRR-1.85% 5.50% 5.90%

Remarks:

1. Estimate from loan amount 2 MB. tenor 15 years
2. MRR = 7.875% announce on February 1, 2019

 

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