Useful Information
Things to know before applying for Home Loan
All the information you may need to help guide you through Bualuang Home Loans
Key Benefits
High credit limit
Up to 10 times your monthly salary (maximum 5 million baht)
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. Interest is only charged on the funds borrowed and no minimum monthly payments
Collateral
A land title with residential property title (excluding bare land and leasehold properties)
Fees
Appraisal fee - a minimum 3,000 baht (excluding VAT).
The fees depend on the collateral type, size and amount announced by the bank on the website or at branches.
Borrow only a necessary and repayable amount.
The effective interest rate throughout the contract term is 8.05% per annum.
The MRR interest rate as of April 29, 2024 = 7.05% per annum. Floating interest rates can move up or down.
Loan Details
Qualifications
- 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
- Good repayment history and not be on the Credit Bureau’s black list
- Able to make payments in accordance with our terms and conditions
Product Catalog: Home Equity Loan
Sales Sheet: Home Equity Loan
Loan Details
- Credit Lines:
- 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 100,000 baht (up to 2 million baht if running your own business)
- 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)
- Fees:
- Free! Survey and valuation of collateral In the case of a current Bualuang Home Loan customer whose collateral does not exceed 1 year, the total loan amount must not exceed the original mortgage value.
- Survey and collateral appraisal fee, minimum 3,000 baht (excluding VAT) .New customer or current Bualuang Home Loan customers who request a total loan in excess of the amount original mortgage.
However, the service fee depends on the type, size and number of collateral and collateral according to the Bank's announcement on the website. or announcement at branches.
Application Form Download
How to apply
Talk to one of our dedicated Home Loan Specialists at any Bangkok Bank branch – they can advise you on the loan that best suits your needs.
Service Level Agreement (SLA)
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