Housing Loan
Home loan with Krungthai Light installment

Home loan with Krungthai Light installment

Lowest at 0.99% interest rate for 9 months Easy repayment with KTC credit card
HIGHLIGHT Unique Features
HIGHLIGHT
จุดเด่นผลิตภัณฑ์
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Lowest at 0.99% interest rate for 9 months
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Early finish of loan’s repayment costs no extra fee ( Excluding the home refinance with other financial institutes)
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Pay installments via KTC credit card

Interest rates not lower than designated rate (%0)

Type

1st year

2nd year

3rd year

other consecutive years

Standard

   1st-9th month = 0.99

10th-12th month = MRR - 1.50

MRR - 1.25

MRR - 1.50

MRR - 1.75

Special rate on 10-12th month  of the the first year if having loan insurance :

Interest rates not lower than designated rate (%0)

Type

1st year

2nd year

3rd year

other consecutive years

With insurance

  1st-9th month = 0.99

10th-12th month = MRR - 3.00

MRR - 1.25

MRR - 1.50

MRR - 1.75

Protection
The customer is eligible to apply for loan insurance (Bank’s terms and conditions applied) The maximum 30 year borrowing period
Privilege to pay installment via KTC card
  • Each installment for home loan of 25 baht earns 1 point for “Forever Reward with KTC” applicable for shops & Restaurants & travel & lifestyle products.
  • Free interest period of maximum 45 days
  • Collect rewards throughout the contract period
  • Easy and convenient to check balance and installment payment with automatic credit card deduction
Easy to apply
Qualified Applicants :
  1. Earn monthly income or be an entrepreneur with capability for loan repayment.
  2. Being sui juris.
  3. Joint borrower is possible, provided that joint borrower‘s age when combined with loan repayment period shall not exceed 65 years or not exceed retirement age as prescribed by law for specific types of government officials such as public prosecution official and judge.
  4. Having no bad financial record or insolvency.
  5. Joint borrower is able to pay for the installments together with the borrower.
Required Fees
  1. Yearly MRR (as designated by the bank )
  2. No Loan application fee
  3. Collateral appraisal fee of THB 2,500
  4. Early redeem of mortgage prior to 3 year completion cost 3% of the total principal amount
  5. Should loan collection process needed , the fee costs 135 baht/ time for each round of missing due payment .
  6. Highest possible interest rate at 14.50% yearly. If missing due payment, the default interest rate will be applied up to 18% yearly
  7. Early finish of loan’s repayment costs with no extra fee ( Excluding the home refinance with other financial institutes)
เอกสารที่ใช้สมัคร
  1. Copy of national identification cards or government official cards of borrower , joint borrower and spouse.
  2. Copy of house registration of borrower , joint borrower and spouse
  3. Copy of marriage certificate of borrower and joint borrower (if married).
  4. Copy of bank statement or credential income report of borrower, joint borrower and spouse.
  5. Copy of photographs of land title deed or title document (for condominium units) submitted as loan collateral.
  6. Copy of sale contract of property submitted to the Bank as loan collateral.
  7. Copy of construction contractor contract and blueprint for home constructions
  8. Construction permit (for construction & renovation home loan)
  9. Photos of house or townhouse or unit(s) in condominium or commercial building to be bought.