Features & Benefits

Attractive Interest Rate
Attractive Interest Rate

Attractive interest rate

Attractive interest rate for refinance housing loan from other financial institutions

Eligibility & Requirements

1. You must be of Thai nationality, and currently living while working in Thailand.

 

2. You must be a salaried employee, contract employee of government official or state enterprise, self-employed or a business owner.

 

3. Age:

  • Employee: Aged between 21 to 62 years old. Your age, when combined with your loan period, must not be more than 70 years old*
  • Self-employed / Business Owner: Aged between 25 to 62 years old. Your age, when combined with your loan period, must not be more than 70 years old*

*If aged between 45 to 62 years old when combined with your loan period, must not be more than 65 years old

 

4. Working Experience

  • 6 months for salaried employee/government officer/state enterprise officer. You must complete your current job’s probation period. However, you are allowed to include the total working months from your previous workplace if you provide verified documents. 
  • 1 year for contract employee of government official or state enterprise. You must provide proof of employment. 
  • 2 years for a self-employed person or business owner. You must have a business registration issued by a government official, or authorisation from verified sources. 

 

5. Monthly Income

 

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 Requirements

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 (specifying 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 (specifying 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 PorPor. 30 and receipt 6 consecutive months or  copy of bank statement 6 consecutive months
Collateral document

1. Payment receipt from last 3 months

2. Loan contract of previous bank

Interest Rate

For Re-finance and Top-up
For Re-finance Balance Transfer