Product Detail

With SCB's My Home My Cash, the equity in your debt-free home can help make your wish come true. Whether it’s expanding a business, renovating your home, paying off a debt or following a dream. The type of asset accepted as collateral includes any single detached house, townhouse, shophouse, commercial building, condominium unit or vacant land.
Choices of interest rate, credit line up to 20 million baht

Choices of interest rate, credit line up to 20 million baht

This multi-purpose loan from SCB gives you the freedom to choose from a variety of interest rate offerings, whether fixed rate throughout the term of the contract or a float rate (MRR, minimum retail rate). You can fulfill big financial ambitions with a loan as large as 20 million baht with a long loan term of up to 30 years.
Fast approval, no guarantor needed

Fast approval, no guarantor needed

Convenient and fast, with easy approval of credit limit. No need for a guarantor and no fee for early repayment.
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 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 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)
  2. Collateral information disclosure (forms available at bank branch)
  3. Photos of the collateral

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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