- Up to 90% Credit line (based on Appraised Property Value)
Easy approval. Pay less.
Get more
cash.
More credit line
Home Loan Refinance
Get Top-up loan at low interest rates
Get pre-approval within 3 days*
*Get Loan Results within 3 Days, Submit all required documents and get loan results within 3 business days
Home Loan Refinance Calculate
Home Loan Refinance
process
Submit all required
documents and get
pre-approval
Appraise collateral
Inform customer
of final loan approval
Make appointment
for mortgage
redemption with former
financial institution
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
- 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).
- Loan application 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
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)
- 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
- Loan application 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
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)
- 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
- Loan application 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
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)
Fill in the information and
our staff will contact you.
FAQ
Can foreigners apply for home loan refinance ?
Can civil servants who are on pension/retired refinance their mortgage at KBank ?
What is the maximum number of co-borrowers for home loan refinance ?
Which documents are required for refinance my mortgage ?
How much work experience do I need for applying home loan refinance ?
If I don’t have a pay slip, can I apply for home loan refinance ?
If I get earnings through my KBank account. Is there any special offerings for me ?
Which types of collateral can be refinanced ?
While repaying the home loan, if I incur other debts, will I still be able to refinance mortgage ?
Do I need to get the MRTA mortgage life insurance to apply for home loan refinance ?
If I have an existing home loan with KBank, can I refinance another home that is under mortgage contract with another bank to KBank ?
What is the maximum credit line for refinance ?
What is the maximum loan term ?
What expenses will I encounter if I refinance my mortgage to KBank ?
When I should refinance my mortgage ?
What is the minimum credit line for refinance ?
Can I request additional loan/top up loan when I refinance ?
Can I request home decoration loan when I refinance ?
Please give me more detail about the interest rates ?
How much interest rate discount can I get for refinancing ?
Does the Effective Interest Rate (EIR) apply to this loan ?
How do I check the status of my application ?
Can I pay off or make extra payments for my home loan/mortgage ?
How can I make payment for the loan ?
How do I check the status of my application ?
Can I pay off or make extra payments for my home loan/mortgage ?
How can I make payment for the loan ?
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