Mortgages
Corporate Welfare Home Loan
Are you a corporate employee? Let SCB take care of all your home loan needs.
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- Interest Rates
- Conditions
- Qualification and Document Required
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Corporate Welfare...
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Product Detail
Enjoy exclusive benefits with Corporate Welfare Home Loans from SCB. We provide expert consultation and home financing solutions for:New Homes, Pre-owned Homes, Home Construction, Refinancing
All with special interest rate conditions exclusively for employees at companies partnered with SCB under corporate welfare programs.
- Fixed interest rates for the first year start at 2.55%*p.a.
- Interest discounts**
- A loan amount up to 100%*** of the collateral value
*Fixed interest rate of 2.55% per year for the first year exclusively for Strategic Group clients with a minimum 70/70 Credit Life insurance coverage.
**Interest rate discount applies when Credit Life insurance is purchased as per specified conditions.
***A loan amount is up to 100% of the collateral value, based on either the collateral valuation or the purchase price stated in the Land Department’s sale contract, whichever is lower. (Effective May 1, 2025 – June 30, 2026)
Loan Amount
Enjoy a loan amount up to 100% of the collateral value, based on either the collateral valuation or the purchase price stated in the Land Department’s sale contract, whichever is lower.
Convenient service at your office
SCB's loan consultant specialists are at your service. You don't need to take time off work to visit a bank branch. We'll come to your office to collect the loan application from you or your human resources department
Interest rates
As announced by the bank.
Borrow responsibly, within your repayment ability.
Effective interest rates are between 4.49% - 6.775% p.a.
Current Minimum Retail Rate (MRR) is 6.775% p.a., effective August 15, 2025. This is a floating rate and subject to change according to SCB’s announcements. Additional calculation details are available in the interest rate table.
Collateral Assessment and Appraisal Fee
- Unit in a project financed by SCB: 500 baht (excluding VAT)/unit
- For property developers who partner with SCB: 535 baht
- For other collateral such as a condominium unit larger than 60 sqm or a single detached house: 5,000 baht.
- For a condominium unit not larger than 60 sqm, a townhouse or a semi-detached house: 3,500 baht.
- Expenses may vary as announced by the bank.
Loan Consultation Service Fee
- Waived.
Stamp Duty
- 0.05% of loan limit, but not more than 10,000 baht.
Mortgage Fee
- 1% of credit limit
Fire Insurance Premium
- As charged by insurance company.
Good to know for home loan clients
Interest Rates
1. Interest Rates for Strategic Group* Clients (Employees at Companies Partnered with SCB under Corporate Welfare Programs)
2. Interest Rates for General Clients
Remarks :
- Minimum Retail Rate (MRR) is 6.775% per year, effective August 15, 2025. This is a floating rate, subject to change according to SCB’s announcements.
- Effective interest rates are calculated based on a loan amount of THB 1,000,000 with a 20-year term.
- The stated interest rates are valid from October 2, 2025 – December 31, 2025.
- Credit Life refers to life insurance that covers the outstanding loan amount. Requirements for interest rates with Credit Life Insurance Options are as follows:
- Credit Life 100%: The sum insured must be at least 100% of the loan amount and an insurance period of 100% of the loan period.
- Credit Life 70%: The sum insured must be at least 70% of the loan amount and an insurance period of 70% of the loan period, with a minimum coverage period of 10 years. (If the loan period is less than 10 years, coverage period must equal the loan period.)
- For fire insurance on loan collateral, clients may, at their discretion, apply for a fire insurance top‑up with SCB, which will be included in the loan amount.
- Credit Life Insurance is subject to underwriting conditions of FWD Life Insurance Public Company Limited. Fire insurance is subject to underwriting conditions of Deves Insurance Public Company Limited.
- Clients should carefully review coverage details, conditions, and claim and benefit requirements before deciding to purchase an insurance policy.
- SCB acts solely as a broker, recommending or arranging insurance policies for clients’ consideration. Insurance approval is subject to the underwriting conditions of FWD Life Insurance (for Credit Life) and Deves Insurance (for fire insurance).
- Benefits, coverage, and conditions are as specified in the policy and by FWD Life Insurance.
- Credit Life Insurance Provider: FWD Life Insurance Public Company Limited. For inquiries about coverage or claims, please contact FWD Customer Service at 1351 (8:00 AM – 8:00 PM daily) or visit fwd.co.th.
- Fire Insurance Provider: Deves Insurance Public Company Limited. For inquiries about coverage or claims, please contact Deves Customer Service at 1291 (8:00 AM – 6:00 PM daily) or visit www.deves.co.th.
Rights Regarding Fire Insurance and Credit Life Insurance
- Credit Life Insurance is optional, entirely at the client’s discretion, and has no impact on SCB’s loan approval process.
- Fire insurance is mandatory for collateral protection. The sum insured must cover the property’s valuation. Clients may obtain fire insurance from the insurance company of their choice.
- Opting for fire insurance with Deves Insurance PCL does not affect eligibility for special interest rates or SCB’s loan approval process.
Conditions
For customers receiving salary via an SCB ATS Payroll account. For inquiries, please contact your HR Department or the SCB Call Center at 0 2777 7777.
Qualification and Document Required
Qualification
Thai nationality
Has never had a non-performing loan at any financial institution
Age at least 20 years old, not more than 65.
Document Required
Identity Verification
- Only a copy of your ID card is required. It providing a copy of a government officer or state enterprise officer ID card with ID number and photo on the card, or passport (in the event that your spouse is a foreigner), please provide a copy of your house registration document.
- Copy of house registration
- Copy of marriage certificate (if applicable)
- Copy of certificate of name change (if applicable)
Collateral Document
If purchasing a new home or second-hand home:
- Copy of sale and purchase agreement
If refinancing:
- Copy of ownership document (copy of title deed, front and back)
- Loan agreement from the existing financial institution
- Copy of mortgage payment receipts from the existing financial institution
Income Document
- Salary confirmation and pay slips
- Bank statements for past six months
