• Interest charging at effective rate.
  • Friendly to NCB client.
  • Faster, cashed within 7 days after approval.
  • Finance against commercial or residential property.

Terms & Conditions

  • Principal

    Up to 50% of valuation, minimum THB 5 million.

  • Collateral

    Land plot in Bangkok and its surrounding areas, key resort provinces, and large provincial areas.

  • Term

    Up to 3 years

  • Principal Repayment

    Minimum 20% of original principal each year.

  • Interest Payment

    Deducted in advance for the contract period or at least 1 year upon loan drawdown. Unused prepaid interest will be refunded in the case of early principal repayment.

Interest & Fees

  • Interest Rate

    Fixed rate at least 12% per annum.


  • Upfront

    1.5% of loan size (one time upon loan drawdown).

  • Prepayment

    2% of prepaid principal amount (upon every loan prepayment).

  • Commitment

    2% of non loan disbursement (upon first loan drawdown).

  • Renewal

    1% of loan size (upon contract renewal).

Other expenses

  • Mortgage fee

    1% of principal (max THB 200,000/time except for condo unit).

  • Inspection Fee

    Up to THB 10,000/visit (as per distance) for travelling expenses.

  • Appraisal fee

    Subject to appraiser for setting loan size.

  • Travelling Fee

    Up to THB 10,000 depending on distance for mortgage registration at the Land Department

  • Duty stamp

    0.05% of principal (max THB 10,000).

  • Fire Insurance

    Subject to collateral value.

  • Life Insurance

    Subject to loan size, max THB 10 million sum insured.

Land Criteria

  • Freehold title deed only, do not accept right of possession such as Nor Sor 3 Kor or leasehold.
  • Beachfront or downtown collateral considered.
  • Land plot must have a minimum width of 12 meters and exit to the public road at least 6 meters.
  • Land plot must not exceed sea level by 80 meters and will not be considered in the case of a slope exceeding more than 30 degrees.
  • Land plot must have utility (electric, water, telephone signal etc).
  • Land plot must not be under development or construction.
  • Land with commercial properties. All subject to company’s discretion and should be consistent with company’s business.
  • Income producing asset.

Required Documents


  • ID/passport * (valid at least 6 months)
  • Marriage/divorce certificate ** (If any)
  • Spouse consent *** to borrow / mortgage property
  • Bank statements for 6 latest months
  • Credit bureau reports from country of residence
  • Others Upon request

Remarks :

Passport with valid visa (when required) and latest immigration entry stamp upon The Kingdom arrival.
Applicant’s spouse may be required as co-borrower in some circumstances.
Template is availables.


  • Company’s official affidavit (valid for at least 3 months)
  • Shareholder list (form Bor-Or-Jor.5)
  • Authorized director’s ID/passport **** (valid for at least 6 months)
  • Financial statement for last 3 years audited by CPA
  • Tax return form
  • Bank statements for 6 latest months
  • Credit bureau reports from country of residence (1)
  • Others upon request

Remarks :

Credit bureau reports of directors.
In case of the company has its director as a co-borrower using the company’s asset as collateral, the director to sign all relevant loan agreement shall be another director who is not co-borrower to the loan. Consent from the company’s shareholders must be obtained before doing mortgage registration at land office.

Property Documents

  • Title deed.
  • Appraisal report by preferred appraiser*
  • Others upon request.

Remarks :

* Contact details to be provided

Also require :

  • Signature for certified true copy for all copy documents
  • Thai/Eng translations for documents in other languages