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
Environmentally friendly and sustainable
For green and sustainable home improvements, such as using clean and renewable energy innovations or universal designs for the elderly or disabled.
High credit limit & worry-free repayments
Up to 10 million baht and 100% of the value of the loan purpose and up to 80% - 90% of the appraised value of the collateral. Loan repayments up to 30 years.
Collateral
A land title for either a residential property or a residential condominium (excluding vacant 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 when necessary and within your means.
The effective interest rate throughout the contract term is between 5.45% - 5.72%* per annum.
*The calculation is based on the MRR interest rate as of February 26, 2026 = 6.60% per annum. Floating interest rates can move up or down. For the details of the calculation, product information, debt repayment and additional borrowing costs, please visit www.bangkokbank.com/HomeEquityLoan
Loan Details
Product Catalog: Home Equity Loan
Sales Sheet: Home Equity Loan
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)
Frequently Asked Questions (FAQ)
Question: What green loans does Bangkok Bank offer for solar panel installation?
Answer: Bangkok Bank offers three green loan products suited to different customer situations:
- Bualuang Poonphol Green Loan (Top up) - for existing Bualuang Home Loan customers or refinancing customers who want to take out an additional loan for solar panel installation.
- Bualuang Poonphol Green Loan (Home for Cash) - for new customers who own their property outright, existing Home for Cash customers and refinancing customers who want to take out an additional loan for solar panel installation.
- Bualuang Transformation Loan - for existing and new SMEs (individuals or juristic persons) who want to make an investment to improve or develop businesses in 3 areas: 1) digital technology 2) green business and 3) innovation. Green business covers investing in solar rooftop systems and business transformation to be environmentally-friendly (reduction of greenhouse gas emissions).
|
Loan Products |
Target customers |
Effective Interest Rate* |
Loan Term |
Key Features |
|
Bualuang Poonphol Green Loan (Top up) |
Existing home loan customers wishing to install solar panel |
5.43%-5.50% p.a. |
The remaining mortgage term for up to 30 years |
Top Up Loan on current Bualuang Home Loan |
|
Bualuang Poonphol Green Loan (Home for Cash) |
New customers with debt-free property wishing to install solar panel |
5.65%–5.72% p.a. |
Up to 30 years |
Cash-out against property |
|
Bualuang Transformation Loan |
New or existing SME customers (individuals or juristic persons) |
Fixed rate of 5% p.a. |
Up to 5 years |
Support 3 areas 1) Digital Technology e.g. investments in data analytics system and smart operations 2) Green e.g. solar panel installation 3) Innovation e.g. smart farming |
Note: The amount you can borrow depends on the value of your collateral (for Bualuang Poonphol Green Loan) or the scale of your project (for Bualuang Transformation Loan). Your Bangkok Bank adviser will work out the right figure for your situation.
For customers who complete mortgage registration and make the first or full loan drawdown within three months from the loan application date. Valid from July 1, 2026 to December 1, 2026 or until further notice.
Borrow when necessary and within your means
*Effective Interest Rate per annum is 5.43%- 5.72%**
Calculated based on a loan amount of 1 million baht with a 10-year loan term.
** The calculation is based on the MRR interest rate as of February 26, 2026 = 6.50% per annum. Floating interest rates can move up or down according to the Bank’s announcement on www.bangkokbank.com or at Bangkok Bank branch.
The first year interest rate discount of 0.50% is available when you apply for a home loan together with either Home 1st Plus (Improved Version) Credit Protection Insurance or Home 1st Extra Credit Protection, with the condition that the sum assured is the full loan amount and the coverage period is at least 10 years or a term equal to the loan contract period. The credit protection insurance is optional and has no effect on the Bank’s credit consideration.
Additionally, Bangkok Bank works with the Provincial Electricity Authority (PEA) and our partners to accommodate customers who are interested in solar rooftop installation. For more information click (link to the landing page https://www.bangkokbank.com/th-TH/Personal/My-Home/Home-Equity-Loan)
Question: What are the current interest rates for Bangkok Bank’s solar loans?
Answer: Here are the indicative rates as of August 2026:
- Bualuang Poonphol Green Loan (Top up): Fixed interest rate for the first year starting at 4.99% thereafter a floating interest of MRR-1%* (Effective interest rate is between 5.43% – 5.50% per annum.)
- Bualuang Poonphol Green Loan (Home for Cash): Fixed interest rate for the first year starting at 4.99% thereafter a floating interest rate of MRR-0.75%* ( Effective interest rate is from 5.65% - 5.72% per annum.)
- Bualuang Transformation Loan: Fixed interest rate of 5% per annum.
Question: Do I need collateral to apply?
Answer: Yes. The Bualuang Poonphol Green Loan (Top up) is secured against property (residential land with buildings, including detached houses, townhouses, commercial buildings, and residential condominium units). The Bualuang Poonphol Green Loan (Home for Cash) collateral is residential land with buildings, including detached houses, townhouses, commercial buildings or outright property ownership. Bangkok Bank covers the property inspection and appraisal fees, with a minimum value of 3,000 baht/property (excluding VAT) (Applicable service fees are subject to the type, size, and number of properties used as collateral, in accordance with the Bank’s announcement on www.bangkokbank.com or as announced at Bangkok Bank branches.)
The requirements for Bualuang Transformation Loan terms vary by business: please speak with one of our business banking representatives at a Bangkok Bank branch or business center near you.
Question: What government incentives are available for solar panel installation?
Answer: From March 3, 2026 to December 31, 2028, individuals can claim a tax exemption of up to 200,000 baht on the cost of equipment and installation of a solar rooftop system including a battery.
To qualify, there are four key conditions:
- The solar system must be an on-grid system connected to the electricity grid through PEA (Provincial Electricity Authority) or MEA (Metropolitan Electricity Authority), with a maximum capacity of 10 kWp.
- The electricity account at the property must be registered in the name of the person claiming the exemption.
- The contractor must be VAT-registered and able to issue e-tax invoice as you will need this to claim a tax exemption.
- The tax deduction may be claimed only once and for no more than one solar rooftop system throughout the program period. The deduction must be claimed in the same tax year when the system is successfully connected to the electricity grid.
Question: Can I claim the full 200,000 baht tax exemption?
Answer: The exemption covers your actual cost for equipment and solar rooftop system installation, up to a maximum of 200,000 baht. To give an example, costs for a 10 kWp solar rooftop system start from 214,400 baht*. You can claim a tax exemption of 200,000 baht. If you are paying a tax rate of 20% you can get a tax rebate of 40,000 baht. If you are paying 30% tax rate you can claim 60,000 baht.
Here’s a simple table that shows what rebate you can get if you claim a tax exemption of 200,000 baht
|
Annual income (baht) |
Tax rates |
How much you can save (baht) |
|
150,001 – 300,000 |
5% |
10,000 |
|
300,001 – 500,000 |
10% |
20,000 |
|
500,001 – 750,000 |
15% |
30,000 |
|
750,001 – 1,000,000 |
20% |
40,000 |
|
1,000,001 – 2,000,000 |
25% |
50,000 |
|
2,000,001 – 5,000,000 |
30% |
60,000 |
|
5,000,001 and above |
35% |
70,000 |
Note the information above serves as an example only. Terms and conditions of the tax benefit is subject to the Revenue Department.
* A starting cost (including installation fee) offered by the Provincial Electricity Authority as at July 16, 2026.
Question: Do I need to use a Bangkok Bank loan to qualify for the government tax exemption?
Answer: No. The government tax exemption is available in accordance with the conditions prescribed by the Revenue Department. The tax benefit covers only the costs of equipment and solar rooftop system installation fee. The solar system must be an on-grid system connected to the electricity grid through MEA or PEA with a tax exemption of up to 200,000 baht.
Question: How much can I save on electricity by installing solar panels?
Answer: Savings depend on your household’s electricity consumption and the size of the solar system installed. A typical household that installs a 5 kWp rooftop solar system and invests around 200,000 baht can expect to save more than 2,000 baht a month on electricity bills. Over the life of the system, typically around 25–30 years, those savings add up to well over 900,000 baht. That’s more than four times what you put in, even before counting the tax exemption. The longer you have the system, the more you benefit.
In addition, your repayments will partly or fully replace your current electricity bills rather than add to them so in turn this is easing the burden on your monthly expenses.
Note: The above figures are a rough estimation only and do not constitute a guarantee of actual results or outcomes.
Question: What qualifications do I need to apply for a solar loan?
Answer: Qualifications for individuals
- Thai individual, aged 20–65 years
- At least 1 year of employment at the current workplace
- Minimum total monthly income of 15,000 baht
- Must own residential property, including: single detached houses, townhouses, commercial buildings, or condominium units
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