Mortgages
SCB Home Refinance
Refinance your home loan with SCB and enjoy the same installment payments and make your life easier.
Share- Product Detail
- Interest rates
- Qualification and Document Required
- Product Conditions
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SCB Refinance
- Apply Online
Product Detail
Transfer your home loan to SCB to reduce your interest payments, save time, and let you own your home faster.
Credit Line
Get a credit line of up to 100% of the appraisal value*. Approval depends on conditions prescribed by the bank.
Easy Installment Payments of Up to 30 Years
Approval depends on conditions prescribed by the bank.
Easy Installments As You Need Them
Reduce your payment burden and make your life easier as you can seek additional loans while making installment payments in the same or smaller amount.
Interest Rates
As announced by the bank.
Collateral Price Appraisal and Survey Fee
- Single houses: 5,000 baht per unit (VAT excluded)
- Town houses, twin houses, and condominiums: 3,450 baht per unit (VAT excluded)
- Fees subject to change 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.
Interrest rates for refinancing home loans.
The lowest fixed interest rate for the first year is 1.49% per annum.
Purchasing Credit Life insurance reduces your interest rate by 0.50% on the first year's rate compared to not purchasing Credit Lift insurance.*
หมายเหตุ :
- 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 July 1, 2025 – December 31, 2025.
- *An interest rate reduction of up to 0.50% per annum is applicable when obtaining Credit Life Insurance with 70%/70% coverage. The reduction is calculated based on the first‑year interest rate under Option 1, compared with Option 2 in which Credit Life Insurance is not obtained.
- **Credit Life refers to life insurance that covers the outstanding loan amount. Requirements for interest rates with Credit Life Insurance Options are as follows. 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.
Qualification and Document Required
Qualification
Thai nationality Has never had a non-performing loan at any financial institution Has held the existing home loan from another financial institution not less than three years 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
- Copy of ownership document (copy of title deed, front and back)
- Loan agreement from the existing financial institution
- Copy of the latest mortgage payment receipts from the existing financial institution
Income Document
Salaried employee
- Salary confirmation and pay slips
- Bank statements for past six months
Business owner
- Bank statements for past six months (personal account and business account)
- Four or five photos of the business premises and map showing location
- Copy of trade registration and company registration, including list of shareholders
- Tax submission documents for past year, showing income and expenditures as well as receipts for purchase and sale of goods
Self-employed
- Bank statements for past six months
- Professional license (doctor, engineer, lawyer architect)
Product Conditions
- Product Conditions
- Get a credit line of up to 100% of the appraisal value for the first house only. Approval depends on conditions prescribed by the bank.
- The installment payment period, when combined with the age of borrowers, shall not exceed 65 years. If there are co-borrowers, the installment payment period will be calculated using the age of the youngest borrower.
- Credit line, installment payment period, interest rate, qualification, supporting documents, and approval depend on terms and conditions prescribed by the bank.
- For additional information, please contact the SCB Call Center at 02-777-7777.
- Right to take out fire insurance and life insurance to cover home loan amount.
- Clients have the right to opt to take out fire insurance with any insurance company of their choosing.
- Fire insurance shall be arranged with the sum insured calculated based on the appraisal price of buildings (land and foundations are excluded) or prescribed by the bank, and shall have protection throughout the loan term (in compliance with conditions prescribed by the Insurance Commission Office).
- The bank does not compel clients to take out credit life insurance and it is the right of clients not to do so. Their decision has no effect on bank’s loan approval decision.
