Key Benefits

High credit limit

Refinance to reduce the interest on your mortgage and speed up your repayments with a new low interest loan with a maximum credit limit up to 100% of the outstanding debt.

Worry-free repayments

The term cannot exceed 30 years (up to 35 years for permanent employees) 
or, the repayment period and the applicant’s age combined must not exceed 65 years.

 

You can choose to make repayments with step installments or a flat rate plan.

Collateral

A land title with residential property title  

 

(excluding bare land and leasehold properties)

Fees

Appraisal fee – a minimum 3,000 baht (excluding VAT). Fee waiver for loan management.
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 between 4.67% - 4.97% per annum. The MRR interest rate as of May 8, 2025 = 6.90% per annum. Floating interest rates can move up or down according to the bank’s announcement. For more information on product and calculations, please visit www.bangkokbank.com/HomeLoan

Bualuang Home Loans : Your trusted choice for dream home.

Get a free Magic e-Voucher by Central valued at 2,000 baht for the first 150 approved applicants who sign and draw down a refinance loan of 3 million baht or more. From July 1,2025 – December 30, 2025.

 

 

Terms and conditions for receiving e-Voucher
  • Customers who apply for a Bualuang Refinance and successfully draw down a loan of 3 million baht or more from July 1,2025 – December 30, 2025, receive a Magic e-Voucher by Central Group valued at 2,000 baht.
  • Limited to one primary borrower / privilege / property, a total voucher value of 2,000 baht per customer for the entire campaign period with 150 privilege available on a first-come, first-served basis.
  • The bank will send an SMS to notify eligible customers for the Magic e-Voucher by Central Group within 120 days of the date the customer draws down the loan. 
  • Eligible customers can redeem their privilege at the "Rewards Deal and special Promotion” in the “Rewards” menu from September 20, 2025 – Mayl 31, 2026. Otherwise, the customer will forfeit the privilege. 
  • After redemption, customers can check their privileges at "My rewards". The privilege is valid until December 30, 2026. 
  • This privilege cannot be exchanged, transferred or refunded or used with any other promotion. 
  • Bangkok Bank reserves the right to change terms and conditions, details, privileges or cancel this campaign with prior notice on www.bangkokbank.com/th-TH/Personal/My-Home/Home-Loan 
  • Bangkok Bank and Central Payment’s terms and conditions apply.
Remarks / Warning
  • Borrow only a necessary and repayable amount. If a borrower chooses a long repayment term, interest paid over time may be higher than a shorter-term plan. If a borrower pays in more money than the specified installment amount, the bank will use that to pay off the remaining principal.
    • The insured is advised to study and understand the coverage details and terms and conditions in the prospectus before deciding to buy insurance.
    • Bangkok Bank is a life insurance broker, acting as an agent between customers and Bangkok Life Assurance. Bangkok Life Assurance conditions apply to insurance approval.
    • Applying for Home 1st Plus Credit Protection Life Insurance (Improved version) or Home 1st Extra Credit Protection Life Insurance is optional. It has no effect on the bank's loan consideration.


For more information, please contact any Bangkok Bank branch, call 1333

Loan Details

Qualifications
A good repayment history for six consecutive months
How to apply
Apply online now and you will immediately get a pre-screening result. Just provide us with your basic information by filling in an online application form on this website or speak with one of our dedicated Home Loan Specialists at any Bangkok Bank branch – they can advise you on the loan that best suits your needs.

Useful Information

Things to know before applying for Home Loan

All the information you may need to help guide you through Bualuang Home Loans

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