Home Loan

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Apply Now

Home Loan

Details of collateral,
interest rates and
loan limit

Special interest campaign Types of collateral Interest table Credit Line

Special interest campaign – Home Loan Festival
For general customers with monthly income of not less than 50,000 Baht

Profession	Interest rate		3 - year average	Effective rate throughout loan term (20 years)
Profession	Year 1 - 3	There after until end of loan term	3 - year average	Effective rate throughout loan term (20 years)
Fixed-income earners	MRR -0.07%	MRR	6.43%	6.47%
Business owners	MRR + 0.43%	MRR + 0.50%	6.93%	6.97%

For applications submitted from January 1 to March 31, 2023, with mortgage registered by April 28, 2023
Loans are granted at not more than 80 percent of home price and up to 80 percent of appraised value.
The above interest rates are applied to customers with monthly income of not less than 50,000 Baht who take out a Pitaksin Life Insurance policy under the conditions determined by KBank.
These interest rates are applied to all types of residential properties, excluding purchase of vacant land; the rates apply to only newly built/ready-to-transfer housing units (excluding custom-built commercial buildings).

Note :

Minimum retail rate (MRR) = 6.50% (as of January 3, 2023). MRR is based on the rate announced by KBank as of the loan application date.

For general customers with monthly income of not less than 30,000 - 50,000 Baht

Profession	Interest rate		3 - year average	Effective rate throughout loan term (20 years)
Profession	Year 1 - 3	There after until end of loan term	3 - year average	Effective rate throughout loan term (20 years)
Fixed-income earners	MRR+0.93%	MRR+1.00%	7.43%	7.47%
Business owners	MRR+1.43%	MRR+1.50%	7.93%	7.97%

For applications submitted from January 1 to March 31, 2023, with mortgage registered April 28, 2023
Loans are granted at not more than 80 percent of home price and up to 80 percent of appraised value.
The above interest rates are applied to customers with monthly income of not less than 50,000 Baht who take out a Pitaksin Life Insurance policy under the conditions determined by KBank.
These interest rates are applied to all types of residential properties, excluding purchase of vacant land; the rates apply to only newly built / ready-to-transfer housing units (excluding custom-built commercial buildings).

Note :

Minimum retail rate (MRR) = 6.50% (as of January 3, 2023). MRR is based on the rate announced by KBank as of the loan application date.

Collateral used in apply for “Home Loan”

Collateral

townhouse / detached
house / condominium unit /
commercial building

Build a home
on your own land

KBank property for sale

Loan term

Not more than 30 years (borrowers must not be older than 70 years)

Credit line

up to 90%*
of collateral value

*subject to KBank’s Terms
and Conditions

100 percent of construction price under the construction contract

and not more than 80 percent of appraised value of land and building

Up to 100% of
appraised value

Subject to KBank criteria
and conditions

Interest rate for general customers :
For new, pre-owned or custom-built homes

Special interest rates are offered for new or pre-owned homes of housing projects which are under KBank’s support. To learn more, please contact any KBank branch or call the K-Contact Center, at 02-8888888 ext. 887

For regular income earners

Interest rate	Throughout loan term	3-year average interest rate	Effective interest rate (EIR) throughout loan term (20 year)
Interest rate	MRR + 1.75%	8.80%	8.80%

For business owners

Interest rate	Throughout loan term	3-year average interest rate	Effective interest rate (EIR) throughout loan term (20 year)
Interest rate	MRR + 2.25%	9.30%	9.30%

Notes :

Minimum retail rate (MRR) = 7.05% (as of June 6, 2023). MRR is based on the rate announced by KBank as of the loan application date.
The above interest rates are offered to customers applying for home loan from July 1 to September 30, 2023, regardless of type of home, excluding vacant land.
Customers are entitled to an additional 0.25-percent discount on interest rate if they take out MRTA mortgage life insurance per KBank’s established conditions.
Customers buying a home of a KBank-supported project are entitled to special interest rates. For more information and conditions, please call the K-Contact Center at tel. 02-8888888 ext. 887

Special interest rates for KBank property for sale: Homes, condominiums and commercial buildings

Type	Year 1	Year 2	Year 3	Year 4 onward	3-year average interest	Effective interest rate (EIR) throughout loan term (20 year)
Type 1	MRR - 5.06%	MRR - 1.52%	MRR - 1.52%	MRR - 1.25%	4.35%	5.20%
Type 2	MRR - 2.23%			MRR - 1.25%	4.82%	5.43%

Notes :

Minimum retail rate (MRR) = 7.05% (as of June 6, 2023). MRR is based on the rate announced by KBank as of the loan application date
The above interest rates are offered to customers applying for home loan from July 1 to October 31, 2023
Loan is granted up to 100 percent of a home purchase prices and not exceeding its appraised value. For vacant land, loan is granted up to 90 percent of its purchase price and not exceeding appraised value; the land size must not exceed 10 rai. (Loan to value is subject to the Bank of Thailand’s criteria.)
To learn more about home loan and conditions, please call the K-Contact Center at 02-8888888 ext. 887
If you are interested in KBank’s property for sale, please call the K-Contact Center at
02-8888888 ext. 04 or KBank’s website. https://www.kasikornbank.com/th/propertyforsale

Loan limit : Home Loan

KBank offers a maximum credit line by aligning the term of the loan-to-value (LTV) ratio of the first mortgage line as a percentage of the total appraised value of real property. However, loan approval is subject to KBank’s terms and conditions.

Loan is granted up to 90 percent of collateral value based on KBank’s terms and conditions.

Calculation of preliminary home loan limit

Occupation

Type of home

Borrower’s age (year)

Borrowers must be 20-69 years old.

Is this apply for which home loan?

Monthly Income (Baht)

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

Loan amount required (Baht)

Please enter loan amount which must not be less than 300,000 Baht

Monthly Debt Burden (Baht)

Debt amount required must not be more than xxxx Baht or increase monthly income

Calculate

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

Collateral is surveyed
and appraised

KBank notifies applicant
of loan approval

Loan contract is signed

Mortgage is registered at
Department of Lands

Eligibility & Requirement

Borrower’s qualifications
Document Required
Fees / Expenses

Borrower’s qualifications

Document Required

Fees / Expenses

Salary earners Self-Employed Freelancer

Borrower’s qualifications

Thai nationality, 20 years of age or older, but cannot exceed 70 years old
Co-borrower(s) must not exceed three people and must be related to borrower by law (including unregistered marriage).

For single borrowing, borrower’s net income must be not less than 15,000 Baht/month.
For joint borrowing, combined net income of all borrowers must be not less than 15,000 Baht/month.

Note :
For purchase of KBank property for sale, minimum net income of borrower must be not less than 7,500 Baht/month. (For joint borrowing, net income of each borrower and combined net income of all borrowers are subject to the above criteria.)

Than 6 months (work history including previous workplace, with the borrower having passed probation at current workplace)

Document Required

Loan application form Download Form
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)
Letter of consent that has been completely filled out by the borrower and co-borrower(s)

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
Certificate of name – surname change (if any)

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

Collateral documents

Copy of title deed / Nor Sor 3 / Nor Sor 3 Gor or Certificate of Ownership with abstract of title (every page)

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

Thai nationality, 20 years of age or older, but cannot exceed 70 years old
Co-borrower(s) must not exceed three people and must be related to borrower by law (including unregistered marriage).

For single borrowing, borrower’s net income must be not less than 15,000 Baht/month.
For joint borrowing, combined net income of all borrowers must be not less than 15,000 Baht/month.

The Borrower has operated their current business for at least 1 year.

Document Required

Loan application form Download Form
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)
Letter of consent that has been completely filled out by the borrower and co-borrower(s)

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
Certificate of name – surname change (if any)

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

Collateral documents

Copy of title deed / Nor Sor 3 / Nor Sor 3 Gor or Certificate of Ownership with abstract of title (every page)

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

Thai nationality, 20 years of age or older, but cannot exceed 70 years old
Co-borrower(s) must not exceed three people and must be related to borrower by law (including unregistered marriage).

For single borrowing, borrower’s net income must be not less than 15,000 Baht/month.
For joint borrowing, combined net income of all borrowers must be not less than 15,000 Baht/month.

The Borrower has operated their current business for at least 1 year.

Document Required

Loan application form Download Form
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)
Letter of consent that has been completely filled out by the borrower and co-borrower(s)

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
Certificate of name – surname change (if any)

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

Collateral documents

Copy of title deed / Nor Sor 3 / Nor Sor 3 Gor or Certificate of Ownership with abstract of title (every page)

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)

Application Form

All Document Required

Sale Sheet

Fill in the information and
our staff will contact you.

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FAQ

Conditions Product information Interest rates Others

Can foreigners apply for home loan ?

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

With whom can I jointly submit a home loan application? How many co-borrowers are allowed to apply for Home Loan ?

Can I apply for home loan if I have no salary slip ?

Are KBank Payroll customers entitled to any special privileges when applying for home loan ?

Do I have to apply for MRTA life insurance ?

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

What documents are required if I want to apply for home loan ?

What is the highest credit limit offered for home loan ?

What is the maximum loan term ?

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

What is the minimum loan amount offered by KBank ?

Can I apply for home décor loan ?

What are the interest rates ?

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

How do I check the status of my application ?

Can I settle the loan / redeem my collateral / pay more than the installment due ?

Which channels can I use to make installment payments ?

Branches and Service

Channels Locate Us

Individual K-Contact Center

02-8888888 ext 887

Home Loan

Home Loan

Details of collateral, interest rates and loan limit

Special interest campaign – Home Loan Festival For general customers with monthly income of not less than 50,000 Baht

For general customers with monthly income of not less than 30,000 - 50,000 Baht

Collateral used in apply for “Home Loan”

Interest rate for general customers : For new, pre-owned or custom-built homes

Special interest rates are offered for new or pre-owned homes of housing projects which are under KBank’s support. To learn more, please contact any KBank branch or call the K-Contact Center, at 02-8888888 ext. 887

Special interest rates for KBank property for sale: Homes, condominiums and commercial buildings

Loan limit : Home Loan

KBank offers a maximum credit line by aligning the term of the loan-to-value (LTV) ratio of the first mortgage line as a percentage of the total appraised value of real property. However, loan approval is subject to KBank’s terms and conditions.

Calculation of preliminary home loan limit

Error Msg.

Steps for home loan application

Eligibility & Requirement

Borrower’s qualifications

Document Required

Fees / Expenses

Borrower’s qualifications

Document Required

Financial documents

Collateral documents

Fees / Expenses

Borrower’s qualifications

Document Required

Financial documents

Collateral documents

Fees / Expenses

Borrower’s qualifications

Document Required

Financial documents

Collateral documents

Fees / Expenses

Fill in the information and our staff will contact you.

FAQ

Branches and Service

Individual K-Contact Center

Details of collateral,
interest rates and
loan limit

Special interest campaign – Home Loan Festival
For general customers with monthly income of not less than 50,000 Baht

Interest rate for general customers :
For new, pre-owned or custom-built homes

Fill in the information and
our staff will contact you.