Property Loan

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.
Self-employed / Business Owner: Aged between 25 to 62 years old.

(Your age, 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.

* 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 evidence which issued by government official or reliable entity/business entity that can be verified.

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

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

> 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

No minimum

> 30,000 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. 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 3. Refinance - Payment receipt last 3 months

Loan to Value

Type of Property
Non-Residential Property*	Vacant Land
70% of appraisal value	50% of appraisal value

*Apartments, service apartments, warehouses, factories, offices, commercial buildings (for commerce)

Interest Rate

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PROPERTY LOAN

Features & Benefits

Features & Benefits

Eligibility & Requirements

Document Requirements

Loan to Value

Interest Rate

PROPERTY LOAN

Features & Benefits

Features & Benefits

Eligibility & Requirements

Document Requirements

Loan to Value

Interest Rate

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