K-Home Loan for Multi Purpose  (สินเชื่ออเนกประสงค์กสิกรไทย  )

If you have good credit history, the new credit line will be approved easily for you.
 
Key Features
  • Term loan available for K-Home loan customers with good credit history for multipurpose. 
  • Reduced burden on installment payments with lower interest rate and loan term of up to 15 years.
  • No mortgage registration expense as mortgaged asset under the existing loan contract can be used as collateral.
Product Details
Eligibility
  • Be a home loan customer with a good credit history showing installments for at least three years.
  • You may choose to repay the loan over a term of up to 15 years.
  • The borrower’s age when added to the duration of the loan must not exceed 60 years old for fixed-income earner and not more than 65 years for self-employed person.
  • Mortgaged asset under the existing loan contract can be used as collateral.
Loan Term
  • Loan term is up to 15 years.
  • The borrower’s age, when added to the duration of the loan, must not exceed 60 years for fixed-income earners, and not more than 65 years for self-employed person

 

Credit Limit

The loan granted can be up to 80 percent of paid installments under the existing loan contract and the minimum is THB 50,000.

 

Interest Rate

MLR

 

Credit Turnaround Time

Within seven business days from the date of the receipt of complete documents by the Consumer Credit Department.

 

Required Documents

For Borrowers, Co-Borrowers and Spouses:

  • A copy of national ID card or official ID card
  • A copy of house registration certificate
  • A copy of marriage certificate, divorce certificate, police daily report on separation or spouse’s death certificate (if any).
  • Certificate of name change (if any)
  • Original salary certification letter (not over 3 months old) or latest month salary payslip.
  • A copy of deposit passbook or bank statement for the past six months.

For Self-Employed Persons:

  • A copy of your Commercial Registration, or an official copy of your Registration Certificate issued by the Ministry of Commerce (not over six months old), or a copy of your company’s Memorandum of Association and shareholders’ list.

Other relevant documents provided by the Bank branch:

  • A copy of asset appraisal or revaluation that does not exceed the Bank’s limit.
  • A copy of the land title deed or a copy of Condominium Ownership Documents with all pages of the registration shown.
  • A copy of the existing loan contract and other loan contracts under the same mortgaged assets
  • A copy of the existing mortgage contract.
  • A statement showing housing loan payments for at least 12 months.
  • A copy of debt restructuring approval letter (if any).
How to apply or use

Loan Application

Apply at any KBank branch nationwide. For more information, please call 02-888-8888

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