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- Personal Banking
- Loans
- Mortgages
- SCB Home Loan Top Up
- Personal Banking
- ...
- SCB Home Loan Top Up
Share- Product Detail
- Qualification and Document Required
- Contact Us
Product Detail
For existing SCB Home Loan (Home Loan Top Up) or My Home My Cash (Top Up) clients who have been making timely repayments for at least 2 years, they may apply for additional loan amounts based on the portion already repaid. Repayments will continue at the same rate. Enjoy Repayment 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.)
Borrow responsibly, within your repayment ability
- Home Loan Top Up for Home Loan clients: Effective interest rates: 5.275%–7.275% p.a. (maximum loan contract rate +0.50%)
- My Home My Cash Top Up for My Home My Cash clients: Effective interest rates: 6.275% - 13.275% p.a. (maximum loan contract rate +0.50%)
- 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.
Collateral Assessment and Appraisal Fee
(In the event that a client wishes to apply for an additional amount beyond the difference between the existing credit line and the outstanding loan balance)
- Single houses, condominium units (60 sq.m. or larger): THB 5,000 per unit (excluding VAT)
- Semi-detached houses, townhouses, condominium units (under 60 sq.m.), and commercial buildings: THB 3,450 per unit (excluding VAT)
- Expenses are subject to change as announced by SCB.
Front-End Fee
- Waived
Stamp Duty
- 0.05% of the loan amount, up to a maximum of THB 10,000
Mortgage Registration Fee
- 1% of the loan amount
Fire Insurance Premium
(In the event that a client wishes to apply for an additional amount beyond the difference between the existing credit line and the outstanding loan balance)
- Based on the insurance company’s rate
Qualification and Document Required
Qualification
Thai nationals.
No prior debt restructuring with financial institutions.
Age between 20 and 65 years old.
Document Required
Identity Documents
- A copy of your national ID card is required. If you provide a government officer or state enterprise officer ID card (with national ID number and photo), or a passport (in the case of a foreign spouse), please also provide a copy of your house registration document.
- A copy of house registration
- A copy of marriage certificate (if applicable)
- A copy of certificate of name change (if applicable)
Proof of Income
Salaried employee
- Salary confirmation and recent pay slips
- Bank statements for the past six months
Business owner
- Bank statements for the past six months (personal and business accounts)
- Four to five photos of the business premises, plus a location map
- A copy of business registration and company registration, including list of shareholders
- Tax filing documents for the past year, showing income, expenditures, and receipts for purchase and sale of goods
Self Employed Professionals
- Bank statements for the past six months
- Professional license (e.g., doctor, engineer, lawyer, architect)
