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Interest rates
More details
Up to 30 years installment
Reduce your monthly payment
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Interest rate for loan for purchase of a new home, pre-owned home or for Home Builder
For salaried workers
Year 1 –end of term | 3 - year average interest rate | Effective interest rate (EIR) throughout loan term (20 years)) |
MRR+1.75% | 7.72% | 7.72% |
for Biz Owner
Year 1 –end of term | 3 - year average interest rate | Effective interest rate (EIR) throughout loan term (20 years)) |
MRR+2.25% | 8.22% | 8.22% |
- For loan application submitted from 20 July – 31 December 2021
- Interest rates apply for all types of residences but not for vacant land and Refinance
- Loan amount shall be granted up to 90 percent of the home purchase price and not exceeding 90 percent of the home’s appraised value.
- to the following conditions :
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to loan approval*
*For pre-approval process, with complete required documents
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Types of Collateral
House
Townhouse
Commercial Building
Condominium
Vacant Land
House Remodelling
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Loan Details
Download Sales Sheet | |
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Interest Interest rates More details | PeriodMaximum 30 years |
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Credit limit
| Consideration Period of Loan RequestApproximately 7 business days (if all required documents are submitted to the bank) |
Fees / Expenses
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Collateral documents ( for Home Builder)
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Interest rate for loan for purchase of a new home, pre-owned home or for Home Builder
For salaried workers
Year 1 –end of term | 3 - year average interest rate | Effective interest rate (EIR) throughout loan term (20 years)) |
MRR+1.75% | 7.72% | 7.72% |
for Biz Owner
Year 1 –end of term | 3 - year average interest rate | Effective interest rate (EIR) throughout loan term (20 years)) |
MRR+2.25% | 8.22% | 8.22% |
- For loan application submitted from 20 July – 31 December 2021
- Interest rates apply for all types of residences but not for vacant land and Refinance
- Loan amount shall be granted up to 90 percent of the home purchase price and not exceeding 90 percent of the home’s appraised value.
- to the following conditions :
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How to Apply
Qualifications | ||
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Nationality
| Age
| Income
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Duration of Employment
| Others
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Frequently Asked Questions
To borrow on a Home Loan, what is the maximum amount granted by the bank?
Generally, to apply for a loan to buy a house with land, a townhouse, a commercial building, or a condominium, or to construct a residence, for general clients, the bank shall approve a maximum loan up to 80% of the estimated price, but for homes in certain housing projects financed by the bank, the maximum loan is up to 95% of the selling price. For more information, please inquire at 02-8888888
Is a minimum price fixed for the collateral?
Only for condominiums, the unit selling price must be 500,000 baht and above.
I already have an existing Home loan. If I want to apply for a loan for another property, is that possible?
A customer who is already making payments on an existing Home loan is eligible to apply for an additional loan. The customer must demonstrate clearly that the additional property is for residential purposes, not for leasing or profit-making purposes. Consideration is made based on the customer’s ability to repay the debt.
If the applicant has insufficient annual income to make the monthly payments for the requested loan, how can this problem be solved?
- Reduce the requested loan amount.
- Extend the loan terms, if possible, to reduce the monthly payment.
- If (1) and (2) are not possible, find an additional co-borrower.
In case of joint borrowing for a Home loan, how must the co-borrowers be related to each other?
They must be siblings, relatives, or married spouses; if they are unmarried, their relationship status must be confirmed by the customer, or if they have a child, the child’s birth certificate can be used to confirm the relationship status.
In case of refinancing from another financial institute, is there an applicable fee? How much is the fee?
Kasikorn bank’s regular fees, such as the collateral appraisal fee, are applied to customers who refinance from another financial institute to apply for a loan with Kasikorn Bank.
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