MORTGAGES
Second-Hand Home Loan
SCB has loan solutions for any home —second-hand home, foreclosed property or vacant land.
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Product Detail
Home Loans for Pre-Owned and SCB Foreclosed (NPA) Properties
Looking for a great deal on a home? SCB offers home loans for clients purchasing pre-owned homes or bank-owned foreclosed properties, including single houses, condominium units, townhouses, commercial buildings, and vacant plots of land.
All properties are in good condition, located in prime areas, and available at special prices.
Borrow responsibly, within your repayment ability.
Effective interest rates are between 4.39% - 5.07% 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, applicable when applying for a loan and receiving approval in accordance with SCB’s terms and conditions
Enjoy Repayment Periods of Up to 30 Years
Repay with ease under the Reducing Balance Method with loan periods of up to 30 years. The combined repayment period and borrower’s age must not exceed 65 years. (In case of joint borrowers, the youngest borrower’s age applies.)
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.
Good to know for home loan clients
Interest Rates
1. Interest Rates for SCB NPA/NPL Property Buyers, Special Interest Starting at 0% for 6 Months
2. Interest Rates for Pre-Owned Property Buyers
Remarks :
- The stated interest rates apply to clients purchasing SCB’s NPA/NPL properties. Special interest programs are available, starting at 0% interest for the first 6 months.
- Effective interest rates are between 4.39% - 5.07% per year. 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. Additional calculation details are available in the interest rate table.
- 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 1, 2025 – December 31, 2025.
- Requirements for interest rates with Credit Life Insurance Option are as follows:
- 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.
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
If purchasing a second-hand home:
- Copy of sale and purchase agreement
If purchasing a foreclosed home:
- Asset purchase offer form
- Deposit for asset purchase (cashier’s check)
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)
