MORTGAGES
SCB Home Loans
Because life starts at home. SCB is ready to help you reach for your dream.
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SCB Home Loans
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Product Detail
Make Your Dream Home a Reality with SCB Thinking about a house of your own? At SCB, we’re here to make the process simple and stress-free. Our team offers expert advice and attractive benefits designed to help you and your family enjoy life in a home that truly feels yours.
Enjoy a loan amount up to 100% of the collateral value based on either the collateral valuation or the purchase price stated in the Land Department’s sale contract, whichever is lower, for first homes priced under THB 10 million (Contract No. 1) and special fixed and floating interest rates.
- Fixed interest rates for the first year start at 2.55%*p.a.
- Interest discounts**
- A loan amount up to 100%*** of the collateral value
*Fixed interest rate of 2.55% per year for the first year exclusively for Strategic Group clients with a minimum 70/70 Credit Life insurance coverage.
**Interest rate discount applies when Credit Life insurance is purchased as per specified conditions.
***A loan amount is up to 100% of the collateral value based on either the collateral valuation or the purchase price stated in the Land Department’s sale contract, whichever is lower, for first homes priced under THB 10 million (Contract No. 1).
The choice is yours
An SCB Home Loan gives you the freedom to select the interest rate and installment plan that are best for you. We offer a choice of fixed and float rates to meet your financial planning needs.
Easy mortgage schedule
SCB's easy mortgage plan reduces both principle and interest. We provide a long loan term of up to 30 years. To figure the maximum loan period available to you, subtract your age from 65.
Fast approval
We process your application promptly. You'll find out the result, credit line and installment amount in a short period.
Your Trusted Partner for Home Loans
Buying a home is a long-term commitment and having the right advisor matters. At SCB, we provide professional support and personalized solutions to make your home loan journey smooth and worry-free.
Interest Rates
As announced by the bank
Borrow responsibly, within your repayment ability.
Effective interest rates are between 4.27% - 6.775% p.a.
Current Minimum Retail Rate (MRR) is 6.775% p.a., effective August 15, 2025. This is a floating rate and subject to change according to SCB’s announcements.
Additional calculation details are available in the interest rate table.
Collateral Price Appraisal and Survey Fee
- Projects supported by the bank: 500 baht (VAT excluded)
- Single houses: 5,000 baht per unit (VAT excluded)
- Town houses, twin houses, and condominiums: 3,450 baht per unit (VAT excluded)
- House construction on a land plot of no more than 1 rai: Around 4,550 baht (VAT excluded), and construction work inspection: 1,100 baht/time (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.
Important Information for Home Loan Clients
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
- 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 sale and purchase agreement
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)
Interest Rates
1. Interest Rates for Strategic Group* Clients
*Strategic Group refers to a target client segment according to the bank’s criteria.
2. Interest Rates for General Clients
Remarks :
- 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 October 2, 2025 – December 31, 2025.
- Credit Life refers to life insurance that covers the outstanding loan amount. Requirements for interest rates with Credit Life Insurance Options are as follows:
- Credit Life 100%: The sum insured must be at least 100% of the loan amount and an insurance period of 100% of the loan period.
- Credit Life 70%: 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.
