Get money with your home!
Easy approval. Low interest rate.
Large loan amount!
Home to Cash
Get money with your home!
Just debt-free detached house, condominium, townhouse or commercial building.
No need to own a home!
Whether your parents, relatives, or spouse home is accepted
Home to cash calculator : Estimate your loan & payment
Note :
- Assessment of borrower’s debt servicing ability is preliminary. Loan approval is subject to KBank’s terms and conditions.
- Calculation of loan and monthly installment payment is based on the lowest interest rate for Home Loan Refinance.
"Home to Cash" application process
Submit all required
documentsand
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
Land Office.
Eligibility & Requirement
- Borrower’s qualifications
- Document Required
- Fees / Expenses
Borrower’s qualifications
Document Required
Fees / Expenses
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.
- 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)
- Letter of consent that has been completely filled out by the borrower and co-borrower(s)
- Marriage certificate of the principal borrower and co-borrowers (if any)
- For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
- Certificate of name-surname change (if any)
Financial documents
- Original copy of latest month 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 Certificate of Ownership with abstract of title (all pages)
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)
- Letter of consent that has been completely filled out by the borrower and co-borrower(s)
- Marriage certificate of the principal borrower and co-borrowers (if any)
- For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
- 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 Certificate of Ownership with abstract of title (all pages)
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)
- Letter of consent that has been completely filled out by the borrower and co-borrower(s)
- Marriage certificate of the principal borrower and co-borrowers (if any)
- For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
- 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 Certificate of Ownership with abstract of title (all pages)
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)
Fill in the information and
our staff will contact you.
FAQ
Which types of collateral can be used for apply Home to Cash?
If I have a home under a mortgage plan of the same features as those of Home to Cash with another financial institution, can I switch to Home to Cash?
Can foreigners apply for Home to Cash?
Can pensioned/retired government officials apply for Home to Cash?
If I do not own a house, can I apply for Home to Cash?
Can I apply for Home to Cash if I have already had K-Home Loan with KBank?
What is Home to Cash?
What documents are required if I want to apply for Home to Cash?
What is the maximum credit limit offered for Home to Cash?
What is the maximum loan term for Home to Cash?
What expenses do I have to pay when applying for Home to Cash?
What is the minimum loan amount offered by KBank?
What are the interest rates?
Does the Effective Interest Rate (EIR) apply to this loan?
Which channels can I use to make installment payments?
How do I learn the status of my application?
Can I settle the loan / redeem my collateral / pay more than the installment due?
Branches and Service
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