HIGHLIGHT
Maximum loan limit of 20 million Baht.
Easy application with houses, condominium units or commercial buildings as collateral.
No need to have a payroll account via Krungthai Bank.
Interest Rate and Installment Period
| Collateral | Interest Rate (Yearly) | |
| Fixed income earners | Self-employed Persons | |
| Land with buildings |
1st - 2nd Year: MRR - 1.5% 3rd Year - end to term: MRR - 0.5% |
MRR + 1.0% |
| Condominium units / Commercial buildings |
1st - 2nd Year: MRR - 1.0% 3rd Year - end to term: MRR |
|
| Land |
1st - 2nd Year: MRR - 0.5% 3rd Year - end to term: MRR + 1.0% |
- |
| Interest Rate (Yearly) | |
| Fixed income earners | Self-employed Persons |
| Types of Collateral: Land with buildings | |
|
1st - 2nd Year: MRR - 1.5% 3rd Year - end to term: MRR - 0.5% |
MRR + 1.0% |
| Types of Collateral: Condominium units / Commercial buildings | |
|
1st - 2nd Year: MRR - 1.0% 3rd Year - end to term: MRR |
MRR + 1.0% |
| Types of Collateral: Land | |
|
1st - 2nd Year: MRR - 0.5% 3rd Year - end to term: MRR + 1.0% |
- |
**A maximum amount of 30-year loan period**
The collateral must be free from mortgage, except in the case of refinancing from other financial institutions.
Easy to apply
Qualified applicants
- Earn fixed income and credential evidence of earning reports and have working periods over 1 year. Working periods can be accumulated from previous and current jobs.
- If the loan is for occupational purposes, the business must have been established for over 1 year with valid bank statements or credential business income report.
- The part-time job‘s net income (after deduction of business cost) must be less than the regular job earning.
- Self-employed persons must have been in business operations for at least 1 year and must have a bank statement or other source of income documentation for loan consideration.
- Joint borrowing is possible. The repayment period and the applicant or the co-borrower’s age combined must not exceed 60 years.
- The net income must be enough to cover payment of the loan with interest to the Bank.
- No previous history of missing due payment.
Required Documents
- The applicant and spouse (if applicable)’s copies of national identification card
- The applicant and spouse (if applicable)’s copies of house registration
- Original copy of income certifying letter or other original copy of credential income report
- Copy of bank statement of a payroll account showing salary deposits from at least last three months
