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 100%

Credit line up to 100%

For a new home loan, a second-hand home loan or refinancing, you can finance up to 100% of the house appraisal value.
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: 10.08.2021 Announcement Date: 09.08.2021

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.

Conditions on special interest rates*
  • For permanent employees with a minimum of 1 year of service.
  • SCB ATS Payroll account customers must pay instalment amounts via their accounts on the same day as their pay day.
  • In case of join-borrowers, at least one borrower must have an SCB ATS Payroll account from which instalment amounts will be paid. Instalment amounts shall not exceed the borrower’s salary available in their SCB ATS Payroll account.
Additional conditions**
  • Borrower qualifications, approved loan amounts, loan periods, supporting documents, and loan approval are subject to requirements and conditions as specified by SCB.
  • SCB has the right to amend conditions, terms, requirements, periods, and benefits, and may cancel this promotion with notification 7 days in advance of an effective date, unless there is a need whereby such advance notification is impossible. In case of any dispute, SCB's judgment is deemed final.

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

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. 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.
  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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