บริการสินเชื่อบ้านเอนกประสงค์

Your home is an incredible asset.

Your own house allows you to be more flexible and fulfill your dream with multipurpose loan. At TMB, we offer customized advisory service by our professional

  • - For land with structure: a maximum loan of 85% of appraisal value
    - For a condominium unit: a maximum loan of 75% of appraisal value

  • - For Single-House, Town home, and Twin home maximum loan 60% of appraisal value
    - For Condominium maximum loan 60% of appraisal value

  • - For Single-House, Town home, and Twin home maximum loan 80% of appraisal value
    - For Condominium maximum loan 70% of appraisal value

Slide the house icon to calculate your homeloan.

Collateral

  • For land with structure: Single-House, Town home, and Twin home, Condominium
  • The collateral must be used by the customer or a customer’s family member for a residential purpose.

 

Loan Limit

  • Minimum loan limit of Baht 500,000 and maximum loan limit of Baht 10,000,000

Home for Cash - Term Loan

  • For land with structure: a maximum loan of 85% of appraisal value
  • For a condominium unit: a maximum loan of 75% of appraisal value

Home for Cash - O/D

  • For Single-House, Town home, and Twin home maximum loan 60% of appraisal value
  • For Condominium maximum loan 60% of appraisal value

Home for Cash – Combo Term Loan & O/D

  • For Single-House, Town home, and Twin home maximum loan 80% of appraisal value
  • For Condominium maximum loan 70% of appraisal value
  • Note, the proportion of O/D must not exceed 50% of appraisal value

Notes

  • For selling price of the residence more than Baht 10.0 million, maximum loan is 70% of appraisal value or loan limit of each type under bank criteria

Loan Tenor

  • A maximum of 15 years and the sum of the tenor period and borrower’s age must not exceed 65 years.
  • Bank will Revised Credit Line annually weather to continue or stop if not follow Bank’s criteria

Computation of installation payment

Installment payment calculator (Standard)

    Installment payment calculator (Interest Rate Comparison)

  • Find out how TMB Home Loan can help you save on repayment when compared to other banks, click here

Remarks

  • The installment payment calculator is an instrument to initially help you estimate your ability to pay by installments. The result is only an estimate and shall have no bearing on the Bank’s decision to approve the loan in any way.

Terms of Service

Borrower’s Qualifications

  • An individual with Thai nationality
  • Minimum Age 20 and over
  • An owner of a collateral as a living place, free of mortgage or
  • An owner of collateral as a living place, already mortgaged with bank or an owner of collateral as a living place, mortgaged with other financial institutions (borrower has to fully settle all existing debt burdens and mortgage the collateral with bank) with conditions below:
    - Existing debt burden has to be home loan or home equity loan
    - No record of >30 days late payment within the past 6 months.
  • A maximum of 15 years and the sum of the tenor period and borrower’s age must not exceed 65 years.

Employment Period

  • Company Employee / Government Official / Private Enterprise Officer: minimum 6 months employment period within the same company
  • Salaried earner: a minimum of Baht 15,000 per month, and a minimum income of all borrowers of Baht 20,000 per month

Income

  • Salaried earner: a minimum of Baht 15,000 per month, and a minimum income of all borrowers of Baht 20,000 per month
  • Business Owner: at minimum of Baht 20,000 per month

Interest Rates

 

Fees

  • Appraisal fee will be waived only when appraised by Bank’s appraisal department agent.
  • For the less of other fees will be charged as per Bank’s announcement

Required Documents

Documents required in applying for TMB’s loan products of all types include:

Documents required Salaried Earners Business Entrepreneurs
1. General documents
A copy of national ID card / government official ID card / state enterprise employee’s ID card
A copy of house registration certificate (all pages)
2. Income Verification Documents
Salary confirmation letter (most recent 2 months) and a pay slip  
A copy of bank statement of the account to which monthly salary is transferred  
A copy of Bank statement of other account showing savings during the past 6 months
A copy of business registration certificate (most recent 6 months) / A copy of trade registration certificate  
A copy of the list of shareholders (most recent 6 months)  
A copy of corporate income tax form (Phor. Phor. 30) of the most recent 6 months  
A copy of bank statement of the account used for business in the borrower’s name and the business name  
Document showing ownership of business premises / lease agreement  
3. Additional Documents
A copy of title deed / Ownership Document of the condominium unit (actual size)
A copy of the Agreement Buying and Selling / Buying-Purchasing Agreement
A copy of down payment / deposit (if any)

Notes: The Bank reserves the right to ask for additional documents at a later date

For Further Information and Application:

 
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