Product Detail

SCB's loan consultants offer expert advice and service when you borrow for new or second-hand home, refinance your home loan, or take out a home equity loan (My Home My Cash). As an agreement company employee, you'll benefit from exclusive terms and conditions.
Credit line up to 120%

Credit line up to 120%

For a new home loan, a second-hand home loan or refinancing, you can finance up to 120% of the house appraisal value to make it easy to decorate or renovate.
Convenient service at your office

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

Interest rates

As announced by the bank.
Rates and Fees
Interest Rate for Lending Effective Date: 16.01.2019 Announcement Date: 15.01.2019

Collateral Assessment and Appraisal Fee

  • 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.

Qualification and Document Required

Qualification

Thai nationality
Has never held a non-performing loan at any financial institution
Age at least 20 years old, not more than 65.

Document Required

Identity Verification

  1. Copy of identity document: personal I.D. card, passport, government employee I.D. card or state enterprise employee I.D. card
  2. Copy of house registration
  3. Copy of marriage certificate (if applicable)
  4. 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:

  1. Copy of ownership document (copy of title deed, front and back)
  2. Loan agreement from the existing financial institution
  3. Copy of mortgage payment receipts from the existing financial institution

Income Document

  1. Salary confirmation and pay slips
  2. Bank statements for past six months

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