Secured Multi-purpose Financing
Objective
  • To facilitate personal consumption and increase loquidity in daily life.
Financing line
  • Minimum 100,000 Baht,maximum 5 million Bath.
 Collateral
  • Single home, twin home, townhome, townhouse, commercial building, home office, and condominium units.All types of collateral must be used for residential purpose only.
 Repayment period
  • 3-15 years
Selling rate/Profit installment rate (after discount)
  • Maximum selling rate/profit rate for secured multi-purpose financing = 18% per year.
  • Profit installment rate(after discount) for secured multi-purpose financing

 

อัตรากำไร
SPRL - 1.75% ตลอดอายุสัญญา

 

 
 
 
 
Period
With Takaful
(Financing protection insurance)
No Takaful
(Financing protection insurance)
Type 1
Type 2
 
 
Type 1
 
 
Type 2
 Sum insured 100% of the financing line with coverage period of at least 10 years or as specified in the contract.
Sum insured 100% of the financing line with coverage period of at least 5 years or as specified in the contract.
 
Year 1
Month 1-3
 
3.25%
 
3.75%
 
4.25%
 
SPRL-3.75%
Month 4-12
 
SPRL-0.75%
 
SPRL-0.75%
 
SPRL-0.75%
 
SPRL-0.50%
Year 2
SPRL
SPRL
SPRL
SPRL
Year 3 onwards
SPRL+0.25%
SPRL+0.25%
SPRL+050%
SPRL+050%
Note: SPRL will be as prescribed under the Bank announcement.

Free
  •  Contract fee-0.05% of financing line,minimum 500 Bath, maximum 2,000 Baht
  •  Collateral appraisal fee as prescribed under the Bank announcement
  •  Stamp duty tax as prescribed under the Bank announcement.
  •  Other fees as prescribed under the Bank announcement.
 Applicant qualifications
  •  Thai nationality.
  •  Age of applicant plus repayment period      
            - Permanent employee-not exceeding 60.
            - Individual with specific occupational expertise - not exceeding 65.
            - Self-employed individual-not exceeding 70.                                                                                 
 Income
  • Permanent employee - minimum monthly income of 15,000 Baht.
  • Self-employed individual - minimum monthly income of 20,000 Baht.
Work period
  • Permanent employee - at least 2 years in current job.
  • Self-employed individual-more than 3 years in business.
Reachable contract number as specified by the Bank.
The Bank has the right to provide service to applicants with sound financial records.
Other conditions as prescribed under the Bank announcement.