Personal Loan

How do I apply for a Speedy Loan?

You can apply at any SCB branch nationwide. You must be between 20-60 years old to be eligible. 

Car Loan

What are the applicant qualifications and required supporting documents?

Loans for new cars

Applicant’s qualifications

     • Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

     • Applicants must be Thai nationals residing in Thailand.

     • In the event that a guarantor is required, they must be a Thai national residing in Thailand.


Supporting documents

     • A copy of ID card. 

     • A copy of house registration.

     • A copy of deposit account statement for the previous 6 months.

     • The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

 

Loans for used cars

Applicant’s qualifications

     • Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

     • Applicants must be Thai nationals residing in Thailand.

     • In the event that a guarantor is required, they must be a Thai national residing in Thailand.

 

Supporting documents

     • A copy of ID card.

     • A copy of house registration.

     • A copy of deposit account statements for the previous 6 months.

     • The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

     • An agreement to sell and to buy.

 

My Car My Cash loans

Applicant’s qualifications

     • Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

     • Applicants must be Thai nationals residing in Thailand. 

     • Applicants must be the owners of the cars proposed for loan application (The cars must be obligation-free).

     • In the event that a guarantor is required, they must be a Thai national residing in Thailand.


Supporting documents

     • A copy of ID card.

     • A copy of house registration.

     • A copy of deposit account statements for the previous 3 months. In case of intermittent income: A copy of deposit account statements for the previous 6 months.

     • The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

     • A copy of SCB deposit account information to receive a loan amount after loan approval

     • The original copy of the insurance policy (in the event that insurance is already in place).

     • Vehicle registration book. 

 

My Car My Cash Refinance

Applicant’s qualifications

     • Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

     • Applicants must be Thai nationals residing in Thailand. 

     • Cars that are still under instalment obligations with other banks/financial institutions can be proposed for loan applications.

     • In the event that a guarantor is required, they must be a Thai national residing in Thailand.


Supporting documents

     • A copy of ID card.

     • A copy of house registration.

     • A copy of deposit account statements for the previous 3 months. In case of intermittent income: A copy of deposit account statements for the previous 6 months.

     • The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

     • A copy of SCB deposit account information to receive a loan amount after loan approval.

     • The original copy of the insurance policy (in the event that insurance is already in place). 

     • A copy of the most recent receipt of instalment payment (in the event that the car is still under instalment obligations with other banks/financial institutions.) 

 

Remarks: In the event that a guarantor is required, their required supporting documents are the same as those of loan applicants. 

What are the conditions for cars proposed for loan applications?

Loans for new cars

     • Only new cars are accepted.

     • Car brands are as specified by SCB.

 

Loans for used cars

     • Only for passenger cars, pick-up trucks, and vans as per the vehicle registration book.

     • Car brands are as specified by SCB.

     • The cars must be free of obligation and not over 12 years old. 

     • The cars must be registered for private use only.

 

My Car My Cash loans

     • Only for passenger cars, pick-up trucks, and vans as per the vehicle registration book.

     • Cars must be free of obligation and not over 15 years old. For a loan instalment period of 84 months, the cars must not be over 12 years old and not over 19 years when combined with the loan instalment period.

     • The cars must be registered for private use only. Cars registered for hire or under a juristic person’s ownership are not accepted.

     • Modified cars, cars with changed engines, and imported cars are not accepted.

 

My Car My Cash Refinance

     • Only for passenger cars, pick-up trucks, and vans as per the vehicle registration book.

     • Cars that are not over 15 years old and still under instalment obligations with other banks/financial institutions. For a loan instalment period of 84 months, cars must not be over 12 years old and not over 19 years when combined with the loan instalment period.

     • Cars must be registered for private use only. Cars registered for hire or under a juristic person’s ownership are not accepted.

     • Modified cars, cars with changed engines, and imported cars are not accepted.

 

I want to transfer the entitlement as per the hire-purchase contract and change the name of the hire-purchaser. What do I have to do?

You may transfer the entitlement when one fourth (25%) of the loan amount has been paid.  To transfer the entitlement, you and the new hire-purchaser and the new guarantor (if any) need to prepare the following supporting documents and contact any SCB branch in person.

      • 3 copies of ID card and house registration of the existing hire-purchaser, the new hire-purchaser and the new guarantor.

      • A copy of financial/bank statement of the new hire-purchaser and the new guarantor. 

      • A copy of maps of the current residential address and office address with address details and contact number of the new hire-purchaser and the new guarantor.

      • 4 copies of the engine number and the vehicle identification number transcription.

How/where can I pay car loan instalments?

Without a payment fee or service charge, you can pay car loan instalments via the following channels.

     • The SCB EASY App.

     • Cash payments over the counter at any SCB branch.

     • Direct debit via an SCB deposit account (only available for instalments and penalty fees (if any) as specified in the payment reminder only).

     • An SCB ATM or CDM.

 

Payments via the following channels are subject to a payment fee or service charge as specified by the payment service provider.

     • Cash payments over the counter at banks other than SCB.

     • Cash payments at Counter Service or post offices with the PAY AT POST logo nationwide.

     • Cash payments at Lotus's and Lotus's Go Fresh cashiers nationwide.

What is the process for closing a hire-purchase contract and transferring a vehicle registration for individuals?

1. To check the outstanding balance for closing a hire-purchase contract, call 02-777-7777, press 9 for English, and then press #311.

2. Make a payment for the outstanding balance for closing a hire-purchase contract and registration processing fee by entering the hire-purchase contract number and payment reference number as follows:

Type of payment Payment reference number
REFERENCE 1 REFERENCE 2
The outstanding balance for closing the hire-purchase contract The 11-digit hire-purchase contract number 23
Registration processing fee 09


3. Payment options

Payment channel Payment option
The SCB EASY app Go to My Transaction » Bill Payment » Select the biller » SCB Auto Loans
At an SCB bank counter Cash or cheque
Mobile banking app of any bank Scan QR code (the QR code can be generated via the SCB EASY app or LINE SCB Connect) or scan the barcode on the payment card.


4. Fill out a request form for transferring a vehicle and receiving the transferred vehicle and a letter of authorization and prepare supporting documents for transferring the vehicle registration as follows:

 

Individual hire-purchaser
(Thai national residing in Thailand)
Individual hire-purchaser
(Foreigner)

     1. Request form for transferring a vehicle and receiving the transferred vehicle (The person receiving the transferred vehicle shall sign the form in 2 places as marked).

     2. Letter of authorization (The authorized person shall sign the form at 1 place as marked).

     3. A copy of ID card (and a copy of government officer ID card if you wish to specify your government title in the vehicle registration book).

     4. A copy of house registration

     5. A copy of certificate of change of first name or family name (if any).

     6. A copy of annual vehicle tax receipt/A copy of the current vehicle tax sticker (must remain valid), in the event that the client has paid the annual vehicle tax by themselves.

     7. A copy of the payment receipt for closing the hire-purchase contract and a copy of the registration processing fee receipt.

     8. For a private van (with a plate starting with ฮ or น), an acknowledgement of using a passenger car with over 7 seats is also required (Sign and specify the position at the place as marked).

 

 

 

 

 

 

 

 

 

 

 

*Copies of the required documents as per this table and additional documents as per the remarks below must be signed to confirm a true copy with the same signature as the signature on the hire-purchase contract. For any document containing sensitive personal data according to the PDPA, such as blood type, religion, race, ethnicity, etc., such data shall be masked, and the data owner’s signature is required for every item of data masking.

 

      1. Request form for transferring a vehicle and receiving the transferred vehicle (The person receiving the transferred vehicle shall sign the form in 2 places as marked).

     2. Letter of authorization (The authorized person shall sign the form in 1 place as marked).

     3. A copy of current passport.

     4. A copy of the most recent non-immigrant visa that still remains valid.

     5. A copy of work permits, every page, including the most recently renewed one (most importantly, the page stating residence in Thailand).

     6. In case of no work permit/work permit without the page stating residence in Thailand/electronic work permit (with barcode), the client shall request a certificate or letter of residence issued by their respective embassy or an immigration office. In this case, only the original copy of the certificate or letter of residence is accepted.

     7. A copy of annual vehicle tax receipt/A copy of the current vehicle tax sticker (must remain valid), in the event that the client has paid the annual vehicle tax by themselves.

     8. A copy of the payment receipt for closing the hire-purchase contract and a copy of the registration processing fee receipt.

     9. For a private van (with a plate starting with ฮ or น), an acknowledgement of using a passenger car with over 7 seats is also required (Sign and specify the position at the place as marked).

 


* Copies of the required documents as per this table and additional documents as per the remarks below must be signed to confirm a true copy with the same signature as the signature on the hire-purchase contract. For any document containing sensitive personal data according to the PDPA, such as blood type, religion, race, ethnicity, etc., such data shall be masked, and the data owner’s signature is required for every item of data masking.

 

 

To download documents, click here:
      • Request form for transferring a vehicle and receiving the transferred vehicle
      • Letter of authorization
      • Acknowledgement of using a passenger car with over 7 seats

*Print on white A4 paper on both sides only.


5. Submit the documents listed as per No. 4 to:


Siam Commercial Bank Public Company Limited, Head Office, Ratchayothin OC CODE 8955 Registration Team , 6th Floor, Zone C  (Central Building) 9 Rutchadapisek Road, Chatuchak Sub District, Chatuchak District, Bangkok 10900

*Registered mail or EMS is recommended to prevent lost or delayed documents.

SCB will process vehicle registration transfer for the client when (1) SCB has received a complete set of correct supporting documents as per No. 4; (2) The client has completely paid the registration processing fee; and (3) The status of the hire-purchase account is closed. Upon complete transfer, SCB will send the vehicle registration book to the client by mail within 15 business days to their address as provided to SCB.

 

Remarks

        1. In case of a change in first name or family name, please sign all the documents with the previous signature as per the hire-purchase contract along with the new signature at every place as required.
        • In case of a change in family name due to marriage, a copy of a marriage certificate/ a copy of a certificate of change in family name to the spouse’s family name is required as an additional supporting document. In case of using the title of “Miss,” a copy of an application form for using the title “Miss” is required as an additional supporting document.
        • In case of a change in family name due to divorce, a copy of a divorce certificate/ a copy of a certificate of change in family name to one’s own family name is required as an additional supporting document. In case of using a “Mrs./Miss” title, a copy of an application form for using the title “Mrs./Miss” is required as an additional supporting document.

        2. In case of a government officer with a change in government title, a copy of a certificate of government title appointment is required as an additional supporting document for updating the government title in the vehicle registration book.

        3. If you wish to transfer the vehicle registration across provinces, please specify the destination province in the request form for transferring a vehicle and receiving the transferred vehicle. Transferring the vehicle registration in this case means that you wish to change the province for vehicle registration to the new province. When you receive the vehicle registration book upon complete ownership transfer, you will need to have the vehicle conditions checked to return the existing plate and receive a new plate at a Land Transportation office.

        4. In case of no annual vehicle tax payments for over 3 years, please note that SCB is unable to process vehicle registration transfer for clients. In this case, clients will need to contact SCB to place a deposit for the vehicle registration book to have the vehicle conditions checked for registration renewal and pay the annual vehicle taxes for the past 3 years at the Land Transportation Department by themselves.

For more information, call 02-777-7777, press 9 for English, press 0, press 3, and then press 1.

 

What is the process for closing a hire-purchase contract and transferring a vehicle registration for juristic persons?

 

     1. To check the outstanding balance for closing the hire-purchase contract, call 02-777-7777, press 9 for English, and then press #311.

     2. Make a payment for the outstanding balance for closing the hire-purchase contract and registration processing fee by entering the hire-purchase contract number and payment reference number as follows:

Type of payment Payment reference number
REFERENCE 1 REFERENCE 2
The outstanding balance for closing the hire-purchase contract The 11-digit hire-purchase contract number 23
Registration processing fee 09


3. Payment options

Payment channel Payment option
The SCB EASY app Go to My Transaction » Bill Payment » Select the biller » SCB Auto Loans
At an SCB bank counter Cash or cheque
Mobile banking app of any bank Scan QR code (the QR code can be generated via the SCB EASY app or LINE SCB Connect) or scan the barcode on the payment card.


     4. Fill out a request form for transferring a vehicle and receiving the transferred vehicle and a letter of authorization and prepare supporting documents for transferring the vehicle registration as follows:


Juristic person hire-purchaser

     1. Request form for transferring a vehicle and receiving the transferred vehicle (The authorized director shall sign with the company’s seal in the 2 places for the person receiving the transferred vehicle as marked).
     2. Letter of authorization (The authorized director shall sign with the company’s seal at the place for the authorized person as marked).
     3. A certificate of company registration issued within one year from the issuance date (The authorized director+the company’s seal).
     4. A copy of ID card and a copy of house registration of the authorized director.
     5. A copy of annual vehicle tax receipt / A copy of the current vehicle tax sticker (must remain valid), in the event that the client has paid the annual vehicle tax by themselves every year.
     6. A copy of the payment receipt for closing the hire-purchase contract and a copy of the registration processing fee receipt.
     7. For a private van (with a plate starting with ฮ or น), an acknowledgement of using a passenger car with over 7 seats is also required (Sign and specify the position at the place as marked with the company’s seal).


In the event that the authorized director is a foreigner, the following documents are also required:
     1. A copy of current passport
     2. A copy of renewed non-immigrant visa that remains valid

*The authorized director as per the latest certificate shall sign copies of the required documents as per this table and additional documents as per the remarks below with the company’s seal to confirm a true copy. For the authorized director’s personal documents (as per No.4, No.1, and No.2 in the event that the authorized director is a foreigner/and the documents as per the remarks below), the authorized director shall sign to confirm a true copy without the company’s seal. For any document of the authorized director containing sensitive personal data according to the PDPA, such as blood type, religion, race, ethnicity, etc., such data shall be masked, and the data owner’s signature is required for every item of data masking.

 

To download documents, click here:

      • Request form for transferring a vehicle and receiving the transferred vehicle
      • Letter of authorization
      • Acknowledgement of using a passenger car with over 7 seats

*Print on white A4 paper on both sides only.

 

5. Submit the documents listed as per No. 4 to
 

Siam Commercial Bank Public Company Limited, Head Office, Ratchayothin OC CODE 8955 Registration Team , 6th Floor, Zone C  (Central Building) 9 Rutchadapisek Road, Chatuchak Sub District, Chatuchak District, Bangkok 10900


*Registered mail or EMS is recommended to prevent lost or delayed documents.


SCB will process vehicle registration transfer for the client when (1) SCB has received a complete set of correct supporting documents as per No. 4; (2) The client has completely paid the registration processing fee; and (3) The status of the hire-purchase account is closed. Upon complete transfer, SCB will send the vehicle registration book to the client by mail within 15 business days to their address as provided to SCB.


Remarks

 
       1. In case of a change in the company’s name or the authorized director’s first name or family name, the authorized director’s signature must be as per the name shown on the latest certificate of company registration. A copy of the certificate of the change in the company’s name and/or a copy of the certificate of the change in the authorized director’s first name or family name is required as an additional supporting document.

       2. If you wish to transfer the vehicle registration across provinces, please specify the destination province in the request form for transferring a vehicle and receiving the transferred vehicle. Transferring the vehicle registration in this case means that you wish to change the province for vehicle registration to the new province. When you receive the vehicle registration book upon complete ownership transfer, you will need to have the vehicle conditions checked to return the existing plate and receive a new plate at a Land Transportation office.

       3. In case of no annual vehicle tax payments for over 3 years, please note that SCB is unable to process vehicle registration transfer for clients. In this case, clients will need to contact SCB to place a deposit for the vehicle registration book to have the vehicle’s condition checked for registration renewal and pay the annual vehicle taxes for the past 3 years at the Land Transportation Department by themselves.

       4. In case of business closure, a certificate of business closure with an appointment of liquidator issued by the Department of Business Development is required as an additional supporting document. All supporting documents must be signed by the liquidator.


For more information, please call 02-777-7777, press 9 for English, press 0, press 3, and then press 1.

 

 

 

 

 

How can I check the latest billed instalment amount?

You can check payment details and get a payment barcode via the following channels:

     • The SCB EASY app: Go to “My Accounts” and select “My Loans.”  

     • LINE SCB Connect: Search for “Balance Inquiries” and select “Auto Loans.” 

I want a document concerning my auto loan. What do I have to do?

You can ask for a document concerning your auto loan via the following channels:
     • SCB Call Center 02-777-7777 press 9 for English, press 0, press 3, and then press 1.
     • Over the counter at any SCB branch

How can I get a copy of a vehicle registration book?

You can ask for a copy of a vehicle registration book via the SCB Call Center 02-777-7777,  and choose to receive the copy via either of the following channels:  

     • Email: The document will be sent within 1 hour. 
     • Mail: 
             - Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
             - Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

How can I get a copy of an Interest calculation table?

You can ask for the interest calculation table via the SCB Call Center 02-777-7777,  and choose to receive the copy via either of the following channels:  

     • Email: The document will be sent within 1 hour. 
     • Mail: 
             - Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
             - Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

How can I get a copy of a hire-purchase contract?

You can ask for a copy of a hire-purchase contract via the SCB Call Center  02-777-7777 and choose to receive the copy via either of the following channels: 

• Email: The document will be sent within 1 hour. 
• Mail:
       - Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
       - Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

How can I get a copy of a receipt?

You can ask for a copy of a receipt via the SCB Call Center  02-777-7777 and choose to receive the copy via either of the following channels: 

• Email: The document will be sent within 1 business day. 
• Mail:
       - Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
       - Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

How can I get a copy of a payment reminder?

If you want to check the latest billed instalment amount or want the document for making a payment, you can check the payment details and request a payment barcode via LINE SCB Connect by selecting the menu “Balance/Point Inquiries” >> “Loan outstanding balance.”   
 

For other purposes, you can ask for a copy of a payment reminder via the SCB Call Center 02-777-7777, and choose to receive the copy via either of the following channels: 

  • Email:
The document will be sent within 1 business day.
  • Mail:
       - Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
       - Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

How can I get a set of documents for transferring a vehicle and receiving the transferred vehicle?

You can ask for a set of documents for transferring a vehicle and receiving the transferred vehicle via the following channels:

1. Any SCB branch
2. Download and print out the documents by yourself Click here
 3. Call the SCB Call Center at 02-777-7777 and choose to receive the copy via either of the following channels: 
     • Email: The document will be sent within 15 minutes.
     • Mail: 
        - Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
        - Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.


       In case of downloading the documents via the SCB website or asking for the documents to be sent via e-mail by the SCB Call Center, you will need to print out the documents in a format of 2 pages on both sides of an A4 paper in accordance with the requirement of the Land Transportation Department. If it is inconvenient for you, you can ask for the documents at any SCB branch or document delivery by mail instead.

How can I get a copy of a debt validation letter?

You can ask for a copy of debt validation letter via the SCB Call Center 02-777-7777.  

The document will be sent to you by mail only. A delivery time depends on your account status as follows:
 

• Account status: Normal
     - Bangkok and vicinity: The document will be sent within 8 business days, excluding Thailand Post’s mail delivery time.
     - Other provinces: The document will be sent within 12 business days, excluding Thailand Post’s mail delivery time.
 

• Account status: Past due over 90 days
     - Bangkok and vicinity: The document will be sent within 12 business days, excluding Thailand Post’s mail delivery time.
     - Other provinces: The document will be sent within 15 business days, excluding Thailand Post’s mail delivery time.

Home Loans

 

Home Loans for New Houses

Who can be joint borrowers in case of joint borrowing? Are non-family members allowed?

Up to 3 joint borrowers are allowed in case of joint borrowing. The joint borrowers shall be legal relatives (parents or siblings) or a spouse regardless of marriage registration. The loan period will be considered based on the age of the youngest joint borrower.

What are the home loan application requirements for LGBTQ+ people? (Conditions, loan calculation for joint borrowing, supporting documents, etc.)

Conditions and supporting documents are the same as the regular requirements for joint borrowing (for joint borrowers of the same sex who are not family members).  

Can a foreigner apply for a home loan?

Yes, given that it is joint borrowing with a joint borrower who is a Thai national.

Can a self-employed person or a business owner apply for a home loan?

Yes. Loan approval conditions are as specified by SCB.

I don’t have a payroll slip. Can I apply for a home loan?

You can apply for a home loan even without a payroll slip. However, you will need to submit the following documents instead:

      -  Account statement for a minimum of the past 6 months, or

      -  Certificate of withholding tax (Form 50 Thavi), showing income for a minimum of the past 6 months

Is fire insurance required for the collateral or the property when applying for a home loan?

To apply for an SCB Home loan, applicants shall apply for fire insurance for the property pledged as collateral for protection against fire or natural disasters. You may apply for fire insurance with an insurance company specified by SCB or another reliable insurance company you prefer. SCB must be specified as the beneficiary in the fire insurance policy. 

Is Credit Life insurance required for a home loan?

Credit Life insurance is optional and subject to the client’s discretion without any effect on SCB’s credit consideration and approval. With Credit Life insurance, in the event of the borrower’s death the heir of the deceased will not be liable for any debts or obligations, with the insurance company liable for debts or obligations as per the sum insured specified in the insurance policy. Another benefit is a discount in interest rates for an SCB Home loan.

What is the minimum SCB Home loan amount?

The minimum loan amount is considered from trading price and valuation pricing and determined by the lower value. The minimum valuation pricing for areas in Bangkok is 600,000 baht. The minimum valuation pricing for areas in other provinces is 500,000 baht. 

Can I apply for a home loan for interior design and decoration?

Yes, but additional supporting documents, including a design plan, are required.

Can I apply for another home loan with the bank if I already have a home loan with SCB?

Yes, you may apply for another home loan. Loan approval conditions are as specified by SCB.

 

 

 

My Home My Cash

What is a My Home My Cash (MHMC) loan?

My Home My Cash (MHMC) is a loan for which collateral ownership belongs to the borrower and/or joint borrower, or a parent or immediate sibling of the borrower/joint borrower only, and the collateral is obligation free or for refinancing a home loan from other banks.

 

I have an obligation-free house. Can I apply for any type of home loan?

Yes, you can apply for a My Home My Cash (MHMC) loan.

What are the types of property that can be pledged as collateral in applying for a My Home My Cash loan?

Single houses, attached houses, townhouses, commercial buildings or shophouses (for a loan amount up to 10 million baht), and condominium units, empty plots of land (located in a populated residential area and not deserted).

Can empty plots of land, farmland, blocked plots of land be proposed as collateral when applying for a My Home My Cash loan?

- Empty plots of land and farmland with clear entrances can be proposed when applying for a My Home My Cash loan.

- Blocked plots of land are not accepted for loan applications. 

 

Can I propose collateral which is still pledged with another bank as collateral when applying for a My Home My Cash loan?

Yes, given that the purpose of your existing loan with another bank is for consumption and the collateral must be free of obligation before the mortgage registration with that bank.

 

How many days does it take for My Home My Cash approval?

You will get a preliminary loan consideration result within 1 business day, given that SCB has receive a complete set of required documents and collateral valuation (For collateral items that are plots of land with buildings in property projects only).

 

Home Loans for House Construction

Can I apply for a home loan with SCB to have a house built by a non-SCB partner construction contractor?

An SCB home loan is available for house construction. In case of a construction contractor in general, the conditions on drawdown upon the construction phase, interest rates, and other special offers will be different from those in case a construction contractor is an SCB partner. 

Must construction drawings be signed off by an engineer for a home loan for house construction?

There is no need for signing off the construction drawings for functional spaces under 150 sq.m. Construction drawings must be signed off on every page by an engineer for functional spaces over 150 sq.m.

What are the loan drawdown options for a home loan for house construction, lump sum, or upon construction phase. In cash or by cheque?

Loan drawdown is upon construction phase via a fund transfer to the borrower’s SCB deposit account or directly payable to the construction contractor if they are an SCB partner. The amount of each loan drawdown will be considered based on the percentage of construction completion. 

To which party will loan drawdowns be paid?

- Loan drawdowns will be directly payable to construction contractors that are an SCB partner.

- For construction contractor in general, loan drawdowns will be transferred to the borrower’s SCB deposit account. 

What is the case for the first drawdown upon signing a loan agreement?

The first drawdown upon signing a loan agreement is available in the event that clients have a house built by a construction contractor that is an SCB partner. The payment will be made on the mortgage registration date.  

 

Others

What are the qualifications for a home loan applicant?

Loan applicants must be Thai nationals aged a minimum of 20 years old. The main borrower’s income must be 15,000 baht/month minimum. Interested clients can contact any SCB branch nationwide to apply for a home loan. 

I am not an employee, but I own a business. Can I apply for a home loan?

Yes, it is possible. You can contact any SCB branch nationwide for more information.

I want to refinance my house with SCB. What do I have to do?

For home loan refinancing, you can contact any SCB branch nationwide or call the SCB Call Center at 02-777-7777. Refinancing conditions are that loan applicants must be Thai nationals at least 20 years old and they have paid home loan instalments with another bank for at least 2 years.  

Where can I ask for a certificate of loan interest payments?

You can request a certificate of loan interest payments by filling out information via the link below:

Request a certificate of loan interest payments

Is it possible for mortgage registration/ownership transfer across provinces/areas (i.e., Making a transaction in a province/area other than where the collateral is located)?

It is only available for areas in Bangkok.

Can empty plots of land, farmland, or blocked plots of land be proposed as collateral when applying for a home loan?

- Empty plots of land and farmland with clear entrances can be proposed when applying for a My Home My Cash loan.

- Blocked plots of land are not accepted for loan applications. 

How/where can I pay home loan instalments?

You can pay home loan instalments via the following channels:

1.      The SCB EASY app. To see the instructions: https://www.scb.co.th/th/personal-banking/digital-banking/scb-easy/how-to/loan-payment.html

2.      An SCB ATM, CDM, or VTM

3.      Direct debit via an SCB deposit account

4.    An SCB branch near you. Just present your ID card and inform a bank officer of your home loan account number.

Can I prepay or pay up a loan or redeem the collateral?

-  Borrowers may pay more than a usual loan instalment amount as they wish. They can also pay up the loan amount and redeem the collateral without any extra fees.

-  Prepayment of the whole loan amount for refinancing with another bank or specialized financial institution within the first 3 years from the home loan agreement period shall be subject to a penalty fee by 3% of the outstanding loan amount.

What do I have to do to get a reduced interest rate for my home loan?

It is possible if you have paid at least 36 instalments of a home loan. You can fill out a request form and submit supporting documents for the bank’s consideration as follows:

1.   Download a request form here https://www.scb.co.th/th/personal-banking/loans/home-loans/form-service-request.html

2.  Fill out and sign the form and submit it together with supporting documents via any of the following channels:

      ·    e-Mail: homeloan@email.scb.co.th

      ·    Registered mail to ทีมป้องกันลูกค้ารีไฟแนนซ์ Refinancing Prevention Team (O/C 3453), the SCB Head Office, UB Floor, No. 9, Ratchadaphisek Road., Khwaeng Chatuchak, Khet Chatuchak, 10900

      ·     Any SCB branch nationwide

 

SCB will get back to you to inform you of the result within 15 business days from the date the bank received the request form and complete set of supporting documents.

What do I have to do in the event that I want to change details about borrower(s), redeem collateral, or request documents?

You can fill out a request form and submit supporting documents for the bank’s consideration as follows:

1.  Download a request form here https://www.scb.co.th/th/personal-banking/loans/home-loans/form-service-request.html

2. Fill out and sign the form and submit it together with supporting documents via any of the following channels:

      ·  e-Mail: homeloan@email.scb.co.th

      ·   Registered mail to ทีมป้องกันลูกค้ารีไฟแนนซ์ Refinancing Prevention Team (O/C 3453), the SCB Head Office, UB Floor, No. 9,                   ·   Any SCB branch nationwide

 

SCB will get back to you to inform you of the result within 15 business days from the date the bank received the request form and complete set of supporting documents.

Will SCB return the title deed to me right away when a home loan is paid up? What is the process?

For SCB to return the title deed, you will need to proceed as follows:

1.   Download a request form to receive your title deed here https://www.scb.co.th/th/personal-banking/loans/home-loans/form-service-request.html

2.   Fill out and sign the form.

3.  Prepare the following supporting documents: A copy of your ID card, a copy of the receipt of the last home loan instalment, and a copy of receipt of penalty fees and/or other expenses (if any).

4.  Submit the form together with the supporting documents via any of the following channels:

      ·  e-Mail: homeloan@email.scb.co.th

      ·  Registered mail to ทีมป้องกันลูกค้ารีไฟแนนซ์ Refinancing Prevention Team (O/C 3453), the SCB Head Office, UB Floor, No. 9, Ratchadaphisek Road., Khwaeng Chatuchak, Khet Chatuchak, 10900

      ·  Any SCB branch nationwide

 

We will contact you to make an appointment for collecting your title deed at a Land Office when SCB receives a request form and complete set of supporting documents.

I am not available to collect my title deed as per an appointment. Can I authorize a third party to receive the title deed on my behalf?

You may do so, with an authorization letter clearly specifying an authorized person to undertake a specific transaction on your behalf.  

Business Loan

Manee Tunjai Business Loan

What are Manee Tunjai Business Loans?

They are unsecured business loans targeting small businesses with high growth potential to use as working capital or to fuel their business growth. These loans contain amortization features with variable interest rates and monthly payments.

Who can get a Manee Tunjai Loan, and what are the basic requirements?

1.  Thai nationals between the ages of 20 and 65

2. Have an SCB deposit account with statements that show inflows of at least 25,000 baht per month, coming in for at least the last 3 months through any of the following online channels:

     ·  Mae Manee's QR payment app
     ·  EDC
     ·  PromptPay or bank transfers

3.  Use the SCB EASY app with a verified email address.


Eligible customers must be invited to apply for a Manee Tunjai Loan through the Bank's marketing channels, such as SCB Line Connect, SCB EASY notification, SCB EASY Pop up, Email, or SMS.

Who can apply for a Manee Tunjai Loan, and what is the application process?

Customers must be invited to apply for a Manee Tunjai Loan through SCB's marketing channels, such as SCB EASY app notifications, SCB Line Connect, email, or SMS. They can use the SCB EASY app to start the application process by clicking on the link.

How can I know if I have been invited to apply for a Manee Tunjai loan?

1. Log in to the SCB EASY app, go to the "Apply Loan & Credit Card" menu, and then choose "Business Loan."

     - You can proceed forward with a Manee Tunjai Loan if the screen shows the pre-approved limit that you have been given.

     -  You cannot apply for a Manee Tunjai Loan just yet if the screen does not show a pre-approved limit. You will get an offer when you meet the requirements.
 

2. Customers can check if they have been invited to apply for a Manee Tunjai Loan through notifications on the SCB EASY app, SCB Line Connect, email, or SMS.

What documents are required when applying for a Manee Tun Jai Loan?

No need to submit or upload any additional documents.

What is the maximum amount that can be borrowed?

The maximum approval limit is 500,000 baht for regular customers and up to 1 million baht for stores on the Robinhood app. 

Can I choose the length of my installments?

Yes, customers can choose repayment periods of 6, 12, 18, 24, 36, 48 and 60 months. Merchants on the Robinhood app can choose a repayment period of up to 72 months. The maximum repayment period depends on your ability to pay debts that the system calculates for each person.

What is the interest rate?
What are the fees involved for using a Manee Tunjai Loan?

1. A front-end fee of 3% of the approved amount

2. Stamp duties of 0.05% of the approved limit, but not exceeding 10,000 baht.  Credit limits of less than 2,000 baht do not require stamp duties. 

Which channels can I use to apply for a Manee Tunjai Loan?

Customers must apply via the SCB EASY app only.

How do I pay back my Manee Tunjai Loan?

Customers must choose which account they want to use for direct debit. SCB will debit the amount from the account on the date that installment amounts are due.  Customers can pay before an installment is due by themselves through the SCB EASY app.

Can I pay back all the remaining balance before the loan is due to be repaid in full?

Customers who want to pay back all their loans early can do so through the SCB EASY app. If the loan is paid off early within 3 years of the loan agreement date, the customer must pay a prepayment fee equal to 3% of the principal balance as of the prepayment date.

How can I contact the bank to update my information?

Customers can contact the SCB Call Center at 02-777-7777 or visit any SCB branch.

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