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We provide loans to support and enable you to have your own house while enabling you to comfortably repay your loan over a long period of time. We are prepared to help you own your own house in every housing project, both for brand-new and pre-owned houses. |
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Long-term loan with predetermined repayment periods.
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To buy single detached house, semi-detached house,
town-house and commercial building;
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To buy a condominium unit;
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To buy vacant land plots in a land development project;
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To construct building or structures on your own land;
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To refinance the outstanding housing loan from other
financial institutions.
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1st Year HLR - 2.50% per annum;
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2nd Year HLR - 1.50% per annum;
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From 3rd Year onwards, HLR – 0.50% per annum;
Please see Announcements of Lending Interest Rates
Effective interest rate throughout the loan period = 7.0 % per annum
Remark: The effective rate is based on Baht 1 million loan, repayable in 15 years and the HLR being at = 8.0% per annum, as an illustration only.
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Land with or without structures thereon / condominium unit title deeds.
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At least 20 years old.
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Having secure occupation and regular income or self-employed and having secure financial status.
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A maximum of 30-years repayment period provided that the total repayment period when combined with the borrower’s age at
the time of submitting the loan application form shall not exceed 70 years.
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A maximum of 90% of the appraised value of the house having a selling price of less than Baht 10 million;
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A maximum of 80% of the appraised value of the house having a selling price of Baht 10 million or more;
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A maximum of 90% of the construction value assessed to build your own house.
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Documents of the natural person applicant
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Loan Application Form;
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Know your customer (KYC)-Natural person;
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Personal identification card;
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House registration;
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Marriage or divorce certificate;
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Certificate of name / surname change (if any).
Financial documents
For salary-based natural person applicant
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Salary verification document and salary pay-in slips.
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Statements from financial institutions (for the past 6 months).
For self-employed natural person applicant
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Official Company Affidavit;
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Memorandum and Articles of Association;
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Shareholders’ List;
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Certificate of Business Registration;
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Company’s and natural person’s evidence of deposits and statements from financial institutions (for the past 6 months).
Collateral documents
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Land title deeds, condominium unit title deeds or equivalent.
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Sale and Purchase Agreement /receipts of down payments.
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Receipts of payments from existing financial institution (in case of refinancing).
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Details of construction plan/ building permit (in case of building house on your own land).
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Other relevant documents.
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