Get more loan with your home Get more loan with your home

Get more loan
with your home

Existing customers can
get more

Home Loan Plus

Details of collateral,
interest rates and
loan limit

Calculation of preliminary home loan limit

Existing home loan amount

Total outstanding amount at present

Total monthly installment amount

Home loan interest rate at present

Most recent home price

Additional loan amount requested

Borrowers must be 20 - 70 years old.

Error Msg.

Net monthly income must not be less than 15,000 Baht

Note :

  • Assessment of borrower’s debt servicing ability is preliminary. Loan approval is subject to KBank’s terms and conditions.

Steps for home loan application

Applicant submits loan request documents

Applicant submits loan
request documents

Collateral is surveyed and appraised

Collateral is surveyed
and appraised

(for cases where the borrower
wishes to apply for loan amount
exceeding existing limit)

KBank notifies applicant of loan approval

KBank notifies applicant
of loan approval

Loan contract is signed

Loan contract is signed

Mortgage is registered at Land Office

Mortgage is registered
at Land Office

Eligibility & Requirement

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

Borrower’s qualifications

Document Required

Fees / Expenses

Borrower’s qualifications

  • Customers must have good credit history and be making loan repayment with KBank.
  • 20 years of age or older, but cannot exceed 70 years old

Document Required

  • Loan application form Download Form
  • Loan application form and letter of consent must be completely signed by all borrowers.
  • Copy of national ID card, or civil servant card of the borrower, co-borrower(s) and the borrower’s spouse
  • Copy of house registration (all pages)
  • Marriage certificate of the borrower and co-borrower(s) (if any)
  • For non-registered marriage: letter of marriage confirmation / copy of house registration certificate / child’s birth certificate

Financial documents

  • Salary slip for the latest month or salary verification letter (issued within the last three months) or bonus slip (if any)
  • the borrower must submit a bank statement showing the past six months’ history of transactions

Fees / Expenses

Collateral appraisal fee by Progress Appraisal Company Limited or another appraisal company certified by KBank or its branches is 3,000 Baht
(including VAT)

Borrower’s qualifications

  • Customers must have good credit history and be making loan repayment with KBank.
  • 20 years of age or older, but cannot exceed 70 years old

Document Required

  • Loan application form Download Form
  • Loan application form and letter of consent must be completely signed by all borrowers.
  • Copy of national ID card, or civil servant card of the borrower, co-borrower(s) and the borrower’s spouse
  • Copy of house registration (all pages)
  • Marriage certificate of the borrower and co-borrower(s) (if any)
  • For non-registered marriage: letter of marriage confirmation / copy of house registration certificate / child’s birth certificate

Financial documents

  • Bank statement showing the past six months’ history of transactions in the name of an individual or juristic person
  • Documents showing other sources of income

Fees / Expenses

Collateral appraisal fee by Progress Appraisal Company Limited or another appraisal company certified by KBank or its branches is 3,000 Baht
(including VAT)

Borrower’s qualifications

  • Customers must have good credit history and be making loan repayment with KBank.
  • 20 years of age or older, but cannot exceed 70 years old

Document Required

  • Loan application form Download Form
  • Loan application form and letter of consent must be completely signed by all borrowers.
  • Copy of national ID card, or civil servant card of the borrower, co-borrower(s) and the borrower’s spouse
  • Copy of house registration (all pages)
  • Marriage certificate of the borrower and co-borrower(s) (if any)
  • For non-registered marriage: letter of marriage confirmation / copy of house registration certificate / child’s birth certificate

Financial documents

  • Bank statement showing the past six months’ history of transactions, or withholding tax certificate (50 bis) showing income for the past six months
  • Documents showing other sources of income

Fees / Expenses

Collateral appraisal fee by Progress Appraisal Company Limited or another appraisal company certified by KBank or its branches is 3,000 Baht
(including VAT)

FAQ

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

Yes, they can

  • Conditions : Age not more than 70 years old
  • Documents required :
    1. Pension payment document
    2. Account statement with entries during the past six months
Can I apply for more loan from KBank if I already have a loan with another bank ?

No, you cannot. However, if your loan period exceeds 3 years, you can refinance with KBank.

What is the maximum loan term ?

Under KBank criteria, the maximum loan term is 30 years. Your age when combined with loan term must not exceed 70 years (for all occupations).

What are the conditions for applicants with good payment history ?

KBank will assess your payment history with no loan default for the past 12 months.

Can I apply for more loan if I have a history of default(s) on payment ?

Yes. However, you must have no default on loan payment for more than 30 days with KBank or any other financial institution when applying for the loan. Loan approval will be subject to KBank’s terms and conditions.

Do I have to apply for fire insurance as a protection for the collateral or home when applying for home loan ?

Yes. You are required to apply for fire insurance to protect your property from fire or other natural perils. This insurance will help you to compensate for damage or loss to your house or properties. You may choose to apply for fire insurance with KBank or any other insurance company as you wish.

Can I apply for more loan if I have incurred more debt ?

Yes, you can. KBank will assess your current income and debt servicing ability to determine whether or not you are capable of paying off both your existing debt and the new loan you are applying for.

How does a home loan customer apply for more loan ?

Borrower must have a good payment history and be making loan repayment with KBank

What documents are needed for loan application ?

Details of required documents can be viewed at Supporting Documents

What expenses do I have to pay when applying for home loan ?

KBank offers the full credit limit based on the appraised value of collateral. This figure can be preliminarily calculated at Calculation Tools

What is the minimum loan amount offered by KBank ?

The minimum loan amount is based on property price or appraised value (based on lower amount); the property price or appraised value (as the case may be) must not be less than 300,000 Baht.

What can the additional loan be used for ?

Customers can use it to pay for general household expenses including home repair or extension, for education and/or medical expenses.

What expenses do I have to pay when applying for this type of home loan ?

Expenses for home loan include appraisal fee (for cases where the borrower wishes to apply for loan amount exceeding existing limit) at a sum of 3,000 Baht, and fees related to mortgage registration at the Land Office.

What are the interest rates ?

Details of interest rates can be viewed at Table of Interest Rates

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

Yes. Borrowers are required to pay principal together with interest based on the EIR method. Interest rate is calculated daily based on the amount due for each installment which comprises interest at the rate established by KBank and the remaining principal amount. The remaining principal amount is used for interest calculation. Therefore, the more the remaining principal amount is, the more the interest amount in the following installment will be.

How do I check the status of my application ?

You can follow up on your application status by contacting the officer who is handling your case, or call the K-Contact Center at 02-8888888 press 887

Which channels can I use to make installment payments ?

KBank debits the home loan installment payment via an automatic transfer system (ATS). Customers can make additional loan payment via two channels, as follows:

  1. K PLUS review the process thoroughly
  2. Customers can make installment payments at their closest KBank branch, simply by presenting their national ID card and giving the officer their home loan account number.
How do I review the details of my existing home loan ?

Borrowers can review the details via the following channels :

Branches and Service

Channels Locate Us

Individual K-Contact Center

02-8888888 ext 887
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