You Are In

  • Financial Advisory
  • Products
  • Ways to Bank
  • Who We Are
  • Help & Support
  • Quicklinks
Financial Advisory
Products
Ways to Bank
Who We Are
  • About Us
  • Corporate Governance
  • Leadership
  • Awards
  • Investor Relations
  • International Branch
  • Sustainability
  • News and Event
Help & Support
Quicklinks
Saving Strategies
Planning for My Future
Accounts
Cards
Insurance
Investment
Loans
Remittance
CIMB THAI Digital Banking
Corporate Governance
Leadership
Awards
Investor Relations
International Branch
Sustainability
News and Event
Rates & Charges

Features & Benefits

All Types Of Collateral Three Credit Facilities
All Types Of Collateral
Three Credit Facilities

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:

 

  • 21 to 62 years old. Your age, when combined with your loan period, must not be more than 65 years old.

  • 25 to 60 years old for Overdraft

 

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

*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 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

 

3. Refinance

    - Payment receipt last 3 months

Loan to Value

Credit Type Type of Property

 

 Residential Property  Other Properties  Vacant Land
Term Loan 80% of the appraisal value 70% of the appraisal value 50% of the appraisal value

Overdraft

50% of the appraisal value

50% of the appraisal value

 30% of the appraisal value
Term Loan + Overdraft

75% of the appraisal value

(Overdraft < 50% of appraisal value)

65% of the appraisal value

(Overdraft < 50% of appraisal value)

45% of the appraisal value

(Overdraft < 30% of appraisal value)
  1. Residential property: Single house, Twin house, Townhouse.
  2. Other properties: Condominium, Shophouse, Apartment, Service apartment, Warehouse, Factory, Office Building and other properties (Land with Building)

Interest Rate

See more information

You are about to leave CIMB THAI official website

Our privacy policy will cease to apply, please refer to the privacy policy of the website you are about to access.

 

Do you wish to proceed?

Yes, please proceed