Product Detail

Transfer your home loan to SCB to reduce your interest payments, save  time, and let you own your home faster.

Credit Line

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

Easy Installment Payments of Up to 30 Years

Approval depends on conditions prescribed by the bank.
Easy Installments As You Need Them

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

Interest Rates

As announced by the bank.
Rates and Fees
Interest Rate for Lending Effective Date: 22.05.2020 Announcement Date: 21.05.2020

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.

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

  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

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

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)

Product Conditions

  1. 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.
  2. 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.

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