Bualuang Saan Fun Loans

Enjoy the financial freedom of an overdraft with no minimum monthly payments

You can use your debt-free property as collateral to obtain a Bualuang Saan Fun overdraft loan of up to Baht 5 million to spend on your dream purchase or investment.

  • Credit Lines:
    • Maximum loan of up to 10 times your monthly salary
    • Loans of up to 60% of the appraised value of your collateral, if located in Bangkok or metropolitan areas; or 50% of the appraised value of your collateral if located in provincial areas.
    • Minimum loan of 100,000Bt (or 50,000Bt for Bualuang Home Loan customers). Maximum loan of up to Baht 5 million.
    • Access to an additional loan – on top of the credit ceiling, you can take out a loan for a maximum of 80-90% of the appraised value of the collateral asset to decorate or renovate your residential property.

  • Loan Repayment: No minimum payment or extra fees if you pay back your loan faster than the bank’s schedule.

  • Loan Drawdown: Convenient access to your funds – withdraw your approved funds any time using cheques, cashier cheques, or your Be1st Visa Debit card at any Bualuang ATM.

  • Collateral: Land with residential building title (excluding leasehold and bare land)

  • Low/Waived Fees:
    • Fee waiver – no charge for loan management, loan extensions or excess/early repayments
    • Free! Appraisal fee for existing Bualuang Home Loan customers who apply for a Bualuang Saan Fun Loan, if the collateral is not over one year and the total loan amount doesn’t exceed the initial home loan amount
    • Appraisal fee of 3,000Bt (exclude VAT) for new customers and existing Bualuang Home Loan customers who want to take out loans for more than the initial home loan amount

You must have:

  • Thai citizenship, and aged 20-60 years
  • Permanent employment or have owned your own business for at least two years
  • Ownership of the residential property
  • A good repayment history and not be on the Credit Bureau’s black list
  • The ability to make payments in accordance with our terms and conditions

Low interest rate of MRR+1% – interest is only charged on the funds borrowed, not the loan facility.

You can speak with one of our dedicated Lending Officers at any Bangkok Bank branch – they can advise you on the loan that best suits your needs and how to apply.

  • Credit Lines:
    • Maximum loan of up to 10 times your monthly salary
    • Loans of up to 60% of the appraised value of your collateral, if located in Bangkok or metropolitan areas; or 50% of the appraised value of your collateral if located in provincial areas.
    • Minimum loan of 100,000Bt (or 50,000Bt for Bualuang Home Loan customers). Maximum loan of up to Baht 5 million.
    • Access to an additional loan – on top of the credit ceiling, you can take out a loan for a maximum of 80-90% of the appraised value of the collateral asset to decorate or renovate your residential property.

  • Loan Repayment: No minimum payment or extra fees if you pay back your loan faster than the bank’s schedule.

  • Loan Drawdown: Convenient access to your funds – withdraw your approved funds any time using cheques, cashier cheques, or your Be1st Visa Debit card at any Bualuang ATM.

  • Collateral: Land with residential building title (excluding leasehold and bare land)

  • Low/Waived Fees:
    • Fee waiver – no charge for loan management, loan extensions or excess/early repayments
    • Free! Appraisal fee for existing Bualuang Home Loan customers who apply for a Bualuang Saan Fun Loan, if the collateral is not over one year and the total loan amount doesn’t exceed the initial home loan amount
    • Appraisal fee of 3,000Bt (exclude VAT) for new customers and existing Bualuang Home Loan customers who want to take out loans for more than the initial home loan amount

You must have:

  • Thai citizenship, and aged 20-60 years
  • Permanent employment or have owned your own business for at least two years
  • Ownership of the residential property
  • A good repayment history and not be on the Credit Bureau’s black list
  • The ability to make payments in accordance with our terms and conditions
Low interest rate of MRR+1% – interest is only charged on the funds borrowed, not the loan facility.
You can speak with one of our dedicated Lending Officers at any Bangkok Bank branch – they can advise you on the loan that best suits your needs and how to apply.
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