Solar Rooftop Solution

Solar Rooftop Solution : For homes

Refinance with K-Home Loan

• o Lower interest, worry-free installments and additional loan amount offered Super Saver Refinancing Interest Rates

Super Saver Refinancing Interest Rates :

K-Home Loan interest rate (standard installments)

Interest rate	Year 1-3		หลังจากนั้นจน ตลอดอายุสัญญา		Three-year average interest rate	Effective interest rate throughout loan term
							Type 1 (*With insurance per the established conditions)	3.65%		MRR-1.50%		3.65%	4.73%
Type 2 (With no insurance/with insurance different from the established conditions)	3.75%		MRR-1.50%		3.75%	4.77%

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Make installment payments of 3,300 Baht/month for 1 million Baht loan amount during the first year

Interest rate	Year 1-3		Year 4-end of term		Three-year average interest rate	Effective interest rate throughout loan term
							Type 3 (*With insurance per the established conditions) Installment payment of 3,300 Baht/month for 1 million loan amount during the first year	3.65%		MRR-1.50%		3.65%	4.73%
Type 4 (With no insurance/with insurance different from the established conditions) Installment payment of 3,300 Baht/month for 1 million Baht loan amount during the first year	3.75%		MRR-1.50%		3.75%	4.77%

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*Minimum Retail Rate (MRR) equaled 6.87% as of August 15, 2019. Loan applications must be submitted between October 17 and December 30, 2019, with mortgage registered by January 31, 2020.

• For K-Home Loan, customers are offered loan amount not exceeding 95 percent of appraised value. If the home price is 10.0 million Baht or more, loan amount will be granted up to 80 percent of the appraised value.
  

• Additional loan offered! Customers may apply for additional loan on top of the outstanding amount under the existing mortgage term with another financial institution (the amount equal to the difference between the approved credit limit less the outstanding amount under the existing mortgage term with another financial institution).
• The interest rates are offered to customers refinancing their mortgage, regardless of type of home or commercial building, excluding those who apply for K-Home Loan for purchase of new homes, pre-owned homes, custom-built residential units or vacant land.
• *Customers who choose interest rate Type 1 or Type 3 must take out MRTA mortgage life insurance under the following conditions:
• MRTA mortgage life insurance covering 70% or more of the loan amount for the full loan term; or
• MRTA mortgage life insurance covering the full amount of the loan for at least 70% of the loan term.
• Customers who choose interest rate Type 3 or Type 4 must make installment payment of 3,300 Baht/month for 1 million Baht loan amount during the first year, and their loan term must be no less than 20 years.
• Customers are not entitled to K-Home Décor Loan.

K-Home for Cash

• Loan offered to customers who use their lien-free home as collateral against the loan, which is intended for personal spending.
  - No need to own a home
  - Get either loan or O/D loan, or both loan and O/D loan altogether
  - Large loan amount, worry-free installments with loan term up to 30 years
  

Interest rates :

Year 1-3	Year 4-end of term	Three-year average interest rate	Effective interest rate (20 years)
MRR - 1.50%	MRR - 0.50%	5.37%	5.99%

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* Minimum Retail Rate (MRR) equaled 6.87% as of August 15, 2019. Loan applications must be submitted between October 17 and December 30, 2019, with mortgage

Loan term :

• Loan: up to 30 years (applicant’s age combined with repayment period must not exceed 70 years)

• O/D loan: Subject to annual renewal

Loan amount :

• Loan or O/D loan amount, or the combined loan and O/D loan amount, is granted at 90 percent of appraised value. The minimum loan amount is 100,000 Baht.
• Maximum loan amount is 20 million Baht.
• Maximum O/D loan amount is 5 million Baht.
• Combined loan and O/D loan amount must not exceed 20 million Baht. Maximum O/D loan amount is 5 million Baht.

K-Home Loan for Multi purpose

• Worry-free new home loan…spend as you wish!

K-Home Loan customers with good credit history may apply for this new consumer loan.

Interest rates :

Year 1-3	Year 4-end of term	Three-year average interest rate	Effective interest rate (20 years)
MRR - 1.50%	MRR - 1.00%	5.37%	5.69%

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*Minimum Retail Rate (MRR) equaled 6.87% as of August 15, 2019. Loan applications must be submitted between October 17 and December 30, 2019, with mortgage registered by January 31, 2020.

Loan amount :

• Up to 100 percent of appraised value

Loan term :

• Up to 30 years

*Note : Details of other conditions of Solar Rooftop Solution for homes and Energy Saving Guarantee Loan (for solar rooftop installation) for business (business establishment/factory) are determined by KBank.