Home Loan Refinance Home Loan Refinance
Home Loan Refinance

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Home Loan Refinance

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Collateral, Interest &
Credit Line

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Home Loan Refinance
process

Submit all required documentsand get pre-approval

Submit all required
documents and get
pre-approval

Appraise collateral

Appraise collateral

Inform customer of final loan approval

Inform customer
of final loan approval

Make appointment for mortgage redemption with former financial institution

Make appointment
for mortgage
redemption with former
financial institution

Register the mortgage and sign the contract at the Department of Lands

Register the mortgage
and sign the contract
at the Department
of Lands

Eligibility & Requirement

  • Borrower’s qualifications
  • Document Required
  • Fees / Expenses

Borrower’s qualifications

Document Required

Fees / Expenses

Salary earners Business owners Freelancer

Borrower’s qualifications

  • Thai nationality, aged between 20- 70 years old
  • The number of co-borrowers must not exceed three, and they must be the principal borrower’s relatives by law (except for unregistered marriage)
  • For an individual borrower, their net income must not be less than 15,000 Baht/month. For Co-borrower, the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
  • The minimum employment period is six months (for both previous and present employments, including probation period).

Document Required

  • Loan application form Download Form
  • Copy of national ID card or civil servant card of the borrower, co-borrowers and spouse
  • Copy of house registration (all pages)
  • For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
  • Marriage certificate of the primary borrower and co-borrowers (if any)
  • Certificate of name-surname change (if any)
Financial documents
  • Original copy of latest pay slip or salary confirmation letter from employer updated within last 3 months or bonus slip (if any)
  • Regarding additional income from other sources, customer must submit a bank statement for the past 6 months
Collateral documents
  • Copy of Title Deed / Nor Sor. 3 / Nor Sor. 3 Gor. or Land ownership certificate with signature on all pages
  • Copy of loan contract with former financial institution
  • Latest payment receipt

Fees / Expenses

The fee for the collateral appraisal conducted by Progress Appraisal Company or a Bank-approved appraisal company or one of its branches is 3,000 baht (inclusive of VAT)

Borrower’s qualifications

  • Thai nationality, aged between 20- 70 years old
  • The number of co-borrowers must not exceed three, and they must be the principal borrower’s relatives by law (except for unregistered marriage)
  • For an individual borrower, their net income must not be less than 15,000 Baht/month. For co-borrowers, the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
  • Minimum of 1 years in operating the business

Document Required

  • Loan application form Download Form
  • Copy of national ID card or civil servant card of the borrower, co-borrowers and spouse
  • Copy of house registration (all pages)
  • For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
  • Marriage certificate of the primary borrower and co-borrowers (if any)
  • Certificate of name-surname change (if any)
Financial documents
  • Statement of savings account, covering the past six months (personal or business statement)
  • Financial documents for additional income from other sources.
Collateral documents
  • Copy of Title Deed / Nor Sor. 3 / Nor Sor. 3 Gor. or Land ownership certificate with signature on all pages
  • Copy of loan contract with former financial institution
  • Latest payment receipt

Fees / Expenses

The fee for the collateral appraisal conducted by Progress Appraisal Company or a Bank-approved appraisal company or one of its branches is 3,000 baht (inclusive of VAT)

Borrower’s qualifications

  • Thai nationality, aged between 20- 70 years old
  • The number of co-borrowers must not exceed three, and they must be the principal borrower’s relatives by law (except for unregistered marriage)
  • For an individual borrower, their net income must not be less than 15,000 Baht/month. For co-borrowers, the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
  • Minimum of 1 years in operating the business

Document Required

  • Loan application form Download Form
  • Copy of national ID card or civil servant card of the borrower, co-borrowers and spouse
  • Copy of house registration (all pages)
  • For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
  • Marriage certificate of the primary borrower and co-borrowers (if any)
  • Certificate of name-surname change (if any)
Financial documents
  • Statement of savings account covering the past six months or Withholding Tax Certificate (50 bis) covering at least the past six months
  • Financial documents for additional income from other sources.
Collateral documents
  • Copy of Title Deed / Nor Sor. 3 / Nor Sor. 3 Gor. or Land ownership certificate with signature on all pages
  • Copy of loan contract with former financial institution
  • Latest payment receipt

Fees / Expenses

The fee for the collateral appraisal conducted by Progress Appraisal Company or a Bank-approved appraisal company or one of its branches is 3,000 baht (inclusive of VAT)

Application Form Document Required Sale Sheet

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FAQ

Conditions Product information Interest rates Others
Can foreigners apply for home loan refinance ?

Yes, they can, but they must apply for the loan as non-juristic person. They must also carry a foreign national ID card and a Thai work permit. Foreigners are only allowed to purchase and refinance condo units.

Can civil servants who are on pension/retired refinance their mortgage at KBank ?

Yes, they can.

  • Conditions : Borrower’s age must not be over 70 years old.
  • Additional documents :
    1. Note attached to pension granting letter
    2. Bank statements for past six months
What is the maximum number of co-borrowers for home loan refinance ?

The maximum is three co-borrowers. Co-borrowers must either be legally related or unregistered spouses.

Which documents are required for refinance my mortgage ?

Please click Eligibility & Requirement for your information

How much work experience do I need for applying home loan refinance ?

Borrowers must have at least six months of work experience (including time at the previous workplace and probation period at the present workplace).

If I don’t have a pay slip, can I apply for home loan refinance ?

Yes, but we may require Bank statements for no less than the past six months or a withholding Tax Certificate (50 bis) that shows income of no less than past 6 months.

If I get earnings through my KBank account. Is there any special offerings for me ?

KBank Payroll customers will receive special rates and be able to apply for home loan with fewer documents required. More detail K-Payroll

Which types of collateral can be refinanced ?

The collateral that can be refinanced includes houses, condo units, townhouses and commercial buildings, excluding vacant land.

While repaying the home loan, if I incur other debts, will I still be able to refinance mortgage ?

Yes, you can get a refinance as long as the amount of installment payment remains the same and KBank will not consider other debt burden. (For instance, customers who made monthly installment payment of 10,000 Baht with the previous bank can refinance their mortgage with KBank and make installment payment at 10,000 Baht/month.) Loan approval shall be subject to KBank’s terms and conditions.

Do I need to get the MRTA mortgage life insurance to apply for home loan refinance ?

KBank does not require the purchase of MRTA and it is not related to the loan approval process. However, KBank recommends purchase of MRTA in order to safeguard debt obligation in case of borrower’s death or total permanent disability (TPD). Moreover, you would be eligible for interest rate discount in accordance with KBank’s terms and conditions.

If I have an existing home loan with KBank, can I refinance another home that is under mortgage contract with another bank to KBank ?

Yes, you can. KBank will consider the borrower’s debt servicing ability on a case-by-case basis per KBank’s terms and conditions. For example, if the borrower asks for a second-home loan and has made installment payments for the first home for less than 2 years, the borrower is eligible to receive a credit line of up to 80% of the second home’s appraised value.

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What is the maximum credit line for refinance ?

The maximum is 90% of the total value of the Appraised Property Value (APV). However, loan approval is subject to KBank’s terms and conditions. Find out more here

What is the maximum loan term ?

The maximum is 30 years but the total loan term was based on the borrower’s age combined with the loan term must not be over than 70 years.

What expenses will I encounter if I refinance my mortgage to KBank ?

Expenses for debt refinancing include 1) Appraisal fee (around 3,000 Baht, inclusive of VAT) paid to Progress Appraisal Co., Ltd. or Bank-approved appraisal company or a branch/2) Mortgage registration fee (1 percent of loan amount)/3) Stamp duty of 0.05 percent of the refinance loan amount/4) Fire insurance fee (rates set by the relevant insurance company).

When I should refinance my mortgage ?

You can refinance your mortgage when you have been making mortgage payments for your house or collateral for approximately three years.

What is the minimum credit line for refinance ?

The credit line starts at 500,000 Baht.

Can I request additional loan/top up loan when I refinance ?

Yes, you can. Loan approval is subject to KBank’s terms and conditions.

Can I request home decoration loan when I refinance ?

No.

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Please give me more detail about the interest rates ?

Please check details of interest rates Here

How much interest rate discount can I get for refinancing ?

You can check the amount by using refinance payment calculator Here

Does the Effective Interest Rate (EIR) apply to this loan ?

KBank determines that the borrowers must pay for the principal amount along with the interest. The EIR will be applied to this loan on a daily basis. The amount of money that is required for each installment consists of the interest rate determined by KBank and the remaining principal amount. KBank will use the remaining principal amount as a base to calculate the interest rates for future installments. Therefore, the greater the remaining principal amount, the higher the interest rate for the next installment will be.

How do I check the status of my application ?

You can follow up on your application’s status with bank’s officer who is handling your case, or call the K-Contact Center at 02-8888888

Can I pay off or make extra payments for my home loan/mortgage ?

Borrowers can make extra payments as needed and pay off their loan early without any fee, except for refinancing the loan with another bank within 3 years from the start of the contract.

How can I make payment for the loan ?

You can make payment at any KBank counter, branch, or via the K PLUS mobile application.

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How do I check the status of my application ?

You can follow up on your application’s status with bank’s officer who is handling your case, or call the K-Contact Center at 02-8888888

Can I pay off or make extra payments for my home loan/mortgage ?

Borrowers can make extra payments as needed and pay off their loan early without any fee, except for refinancing the loan with another bank within 3 years from the start of the contract.

How can I make payment for the loan ?

You can make payment at any KBank counter, branch, or via the K PLUS mobile application.

Branches and Service

Channels Locate Us

Individual K-Contact Center

02-8888888 ext 887
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