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Home Loan

​​​​​​​​​​​​​​​​​​​Want to buy your dream home? Apply for a loan easily!​
For a single detached house or condominium, either new or pre-owned
​​​​Preliminary approval within three business days!

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Interest and Installment
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Interest rates

More details

 

​​​Up to 30 years installment
Reduce your monthly payment

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Interest rate for loan for purchase of a new home, pre-owned home or for Home Builder

For salaried workers​

Year 1 –end of term 3 - year average interest rateEffective interest rate (EIR) throughout loan term (20 years))
MRR+1.75% ​
7.72% ​
7.72% ​
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for Biz Owner

Year 1 –end of term 3 - year average interest rate
Effective interest rate (EIR) throughout loan term (20 years))
MRR+2.25% ​
8.22% ​
8.22% ​
  • For loan application submitted from 20 July – 31 December 2021
  • Interest rates apply for all types of residences but not for vacant land and Refinance
  • Loan amount shall be granted up to 90 percent of the home purchase price and not exceeding 90 percent of the home’s appraised value.
  •  to the following conditions : ​
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to loan approval*

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*For pre-approval process, with complete required documents

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Types of Collateral

 

House

 

Townhouse

 

Commercial Building

 

Condominium

 

Vacant Land

 

House Remodelling


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Loan Details

Download Sales Sheet​ ​

Interest

Interest rates​

More details​​


Period

Maximum 30 years


Credit limit

  • Loan amount shall be granted up to 90 percent of the home purchase price and not exceeding 9​0 percent of the home's appraised value.
  • Loan amount for Home Builder
    For building a home on the borrower’s own land
    • Loan amount is granted at not more than the full amount of construction cost per the home construction contract, but not more than 90% of​ the appraised value of land and building.
    For purchase of land and home construction
    • Loan amount is granted at not more than 90 % of land price and construction cost per the home construction contract, but not more than 90% of​ the appraised value of land and building.

Consideration Period of Loan Request

Approximately 7 business days (if all required documents are submitted to the bank)

Fees / Expenses

  • Collateral survey and appraisal fee for Progress Appraisal Company Limited or another appraisal company certified by KBank is 3,000 Baht (including VAT).

Collateral documents ( for Home Builder)

  • Copy of title documents of the land where the project is located, together with a map behind the title deeds and abstract of title (every page)
  • Copy of construction blueprint
  • Copy of construction permit in accordance with regulatory requirements
  • Copy of construction contract between the customer and contractor together with Bill of Quantity (BOQ) and work schedule
  • Map/ land location/ construction site
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Interest rate for loan for purchase of a new home, pre-owned home or for Home Builder

For salaried workers​

Year 1 –end of term 3 - year average interest rateEffective interest rate (EIR) throughout loan term (20 years))
MRR+1.75% ​
7.72% ​
7.72% ​
​

for Biz Owner

Year 1 –end of term 3 - year average interest rate
Effective interest rate (EIR) throughout loan term (20 years))
MRR+2.25% ​
8.22% ​
8.22% ​
  • For loan application submitted from 20 July – 31 December 2021
  • Interest rates apply for all types of residences but not for vacant land and Refinance
  • Loan amount shall be granted up to 90 percent of the home purchase price and not exceeding 90 percent of the home’s appraised value.
  •  to the following conditions : ​

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How to Apply

Qualifications

Nationality

  • Thai

Age

  • Be at 20 years of age and older
  • the guarantor's age combined with the duration of the loan cannot exceed 70 years

Income

  • For an individual borrower, their net income must not be less than 15,000 Baht/month. For joint borrowers,​​​​the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
 

Duration of Employment

  • Fixed income earners must have at least 6 months.
  • Business owners / Self employed ​must have been in their current businesses for at least 1 year

Others

  • The number of co-borrowers must not exceed two, and they must be relatives by law
 
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Frequently Asked Questions

To borrow on a Home Loan, what is the maximum amount granted by the bank?

Generally, to apply for a loan to buy a house with land, a townhouse, a commercial building, or a condominium, or to construct a residence, for general clients, the bank shall approve a maximum loan up to 80% of the estimated price, but for homes in certain housing projects financed by the bank, the maximum loan is up to 95% of the selling price. For more information, please inquire at 02-8888888

Is a minimum price fixed for the collateral?

Only for condominiums, the unit selling price must be 500,000 baht and above.

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I already have an existing Home loan. If I want to apply for a loan for another property, is that possible?

A customer who is already making payments on an existing Home loan is eligible to apply for an additional loan. The customer must demonstrate clearly that the additional property is for residential purposes, not for leasing or profit-making purposes. Consideration is made based on the customer’s ability to repay the debt.

If the applicant has insufficient annual income to make the monthly payments for the requested loan, how can this problem be solved?
  1. Reduce the requested loan amount.
  2. Extend the loan terms, if possible, to reduce the monthly payment.
  3. If (1) and (2) are not possible, find an additional co-borrower.
In case of joint borrowing for a Home loan, how must the co-borrowers be related to each other?

They must be siblings, relatives, or married spouses; if they are unmarried, their relationship status must be confirmed by the customer, or if they have a child, the child’s birth certificate can be used to confirm the relationship status.

In case of refinancing from another financial institute, is there an applicable fee? How much is the fee?

Kasikorn bank’s regular fees, such as the collateral appraisal fee, are applied to customers who refinance from another financial institute to apply for a loan with Kasikorn Bank.

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