Product Detail

Loan for customers who are looking for a second-hand home or foreclosed home being sold by a bank, including detached homes, condominium units, townhouses, shophouse, and land, all in good condition and good locations at attractive prices.
Interest rates

Interest rates

As announced by the bank
Rates and Fees
Interest Rate for Lending Effective Date: 08.11.2019 Announcement Date: 07.11.2019

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 held 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 Documents

If purchasing a second-hand home:

  1. Copy of sale and purchase agreement

If purchasing a foreclosed home:

  1. Asset purchase offer form
  2. Deposit for asset purchase (cashier’s check)

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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