Product Detail

Build your dream house with our home construction loan, the SCB Home Builder Loan. We offer a bonus credit limit of up to 30% to fund interior decoration and furnishings (according to conditions of the SCB Home Builder Plus program). Take advantage of our special fixed or variable interest rate. You can opt for low monthly installments under a long loan period of up to 30 years.
Credit line

Credit line

Receive a credit limit up to 130% of the appraisal value of land and buildings to make your dream house comes true. 1. Receive a credit limit up to 100% of the construction wage (in case of fully owned land) 2. Maximum credit line does not exceed 90% of the appraisal value of the land and building. 3. Receive additional credit line up to 30% to fund interior decoration and furnishings according to SCB home builder plus program.
Interest rates

Interest rates

As announced by the bank.
Rates and Fees
Interest Rate for Lending Effective Date: 08.11.2019 Announcement Date: 07.11.2019

Land and House Design Appraisal Fees

  • Approximately 4,868.50 baht (for land <1 rai). Expense 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 had 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

  1. Copy of ownership document (copy of title deed, front and back) in case of fully owned land
  2. Building construction permit. (The applicant for construction permit must be the same person who is holding the land title.)
  3. Approved construction blue print and material list (BOQ)
  4. Copy of construction contact
  5. Land sale and purchase agreement.

Income Document

Salaried employee

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

Business owner

  1. Bank statements for past six months (personal account and business account)
  2. Four or five photos of the business premises and map showing location
  3. Copy of trade registration and company registration, including list of shareholders
  4. Tax submission documents for past year, showing income and expenditures as well as receipts for purchase and sale of goods

Self-employed

  1. Bank statements for past six months
  2. Professional license (doctor, engineer, lawyer architect)

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