Looking for your very own home? Whether you are seeking a new or a pre-owned residence, or even an planning to build an original design, we are ready to give you a hand if you feel you could use some extra funds by reconfiguring your finance plans as follows
Type of loan
Overdraft (O/D) only or
including loan monthly payments for other purposes,
not limited to housing loans or refinance
Maximum
Loan
*O/D not exceeding 60% of the value appraised
by the bank, limited to 5 million THB
*O/D plus maximum loan allowed not exceeding 80% of the value
appraised by the bank (75% for commercial buildings)
*The collateral must be owned and currently in use.
Loan
Duration
*O/D is renewed annually
*maximum duration is 30 years, loaner must not exceed 65 years
of age upon completion of the contract
Interest
Rate
*O/D is MRR + 1% per annum
*Loan allowance will be as issued by the bank at that given
period
*Other multi-purpose loan that does not consider a housing loan
will use the following collateral appraisal scheme:
- single houses, twin houses, townhouses and condominiums will
be charged MLR per annum
- commercial buildings will be charged MLR +1% per annum
Fees
*Loan request fees for each term is 1,000 THB
*Appraisal fee is 2,500 per collateral plus VAT 7%, i.e. 2,675
THB net.
*Legal agreement and/or collateral registration fee is 0.05%
of the loan allowance plus VAT 7%; the fee will be ranged between
1,070 THB and 3,210 THB
*Compensation fee for total repayment within 3 years from the
contract agreement date is 3% of the loan amount allowed, excepted
the O/D that is renewed on an annual basis
*O/D attending fee is 2,000 THB per annum
*Site inspection fee is 1,000 THB plus VAT 7%, the minimum being
1,070 THB per inspection (for house builders)
Required
Documents For Loan Request
Important Personal
documents (
with a certified copy) of the loaner and the
co-loaner
*Copy
of the ID Card/
*Copy
of the Marriage Certificate/Divorce Certificate(if
any)
*Copy of the Residence
Registry
*Copy of the spouse's
death certificate (in case the spouse is deceased)
Revenue Certification
Document
For
Employees
Business
Owner
*Income/salary
certification or salary slip, bank account that
shows additional deposit every month
*Copy of trade
registration/ Ministry of Commerce
*Other
account(s) (if any)
*Statement
of account activity for the last 6 months
Documents Related
to the Collateral
*Copy of the title deed or a
document certifying ownership along with contents
on the back of each page (original size copy)
*Copy of the land contract of
sale issued by the Land Department(T.D.13) (in case
of a pre-owned house purchase or a refinance)
*Copy of the contract of sale (in
case of a house acquisition)
*12 installments receipt or a statement
showing 12 installments paid (repayment according
to agreed conditions) and a copy of the loan contract
from the original finance institution (in case of
refinance)
*Locality map of
the collateral
*Copy of the down payment installments receipt
(if any)
*Building construction authorization,
building blueprints and the contract
Personal Loan Department, call 0-2296-4324-29,
0-2296-4640-60 Call Center 1572
Email:
tpuchong@krungsri.com
We will be glad to provide you with further clarification,
as well as answer any question you might have.
