Product Detail

For existing SCB My Home My Cash clients repaying loans on time for at least 2 years, you are eligible to apply for an additional credit limit based on the equivalent in past payments. Your monthly mortgage installment amount will stay the same. You can choose a long loan term of up to 30 years. To figure the maximum loan period available for you, subtract your age from 65.

Interest rates

Interest rates

As announced by the bank
Rates and Fees
Interest Rate for Lending Effective Date: 10.08.2021 Announcement Date: 09.08.2021

Collateral Assessment and Appraisal Fee

(In the event the client wishes to borrow an additional amount exceeding the difference between the existing credit line and the outstanding loan balance.)

  • 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

(In the event the client wishes to borrow an additional amount exceeding the difference between the existing credit line and the outstanding loan balance.)

  • 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. 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)

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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