• Finance against commercial or residential property
  • No cap of approved credit limit
  • Interest charging at effective rate
  • Easy Approval
  • Early redemption at anytime
  • Cashable within 7 days after approval

Terms & Conditions

  • Principal

    Up to 65% of valuation, minimum THB 10 million and uncapped maximum.

  • Collateral

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

  • Term

    At least 1 year with renewal for 1 year two times.

  • Principal Repayment (for renewal)

    Minimum 20% of original principal each year.

  • Profit Payment

    Deducted in advance for the contract period upon principal drawdown, unused profit will be refunded upon early redemption and adjusted according to the principal of contract renewal.

  • Drawdown Period

    Within 7 working days after approval.

  • Others conditions

    Seller has the right to rent throughout the contract*

Remarks :

* In case the collateral has existing lessee before doing Kai Faak, MBKG have right to receive the rent, unless seller cancels the lease contract at the Kai Faak date.

Interest & Fees


  • Profit

    Fixed rate at least 11% per annum.


  • Upfront

    1.5% of principal (one time upon principal drawdown).

  • Prepayment

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

  • Commitment

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

Other Expenses

  • Inspection Fee

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

  • Appraisal Fee

    Subject to appraiser for setting principal.

  • Travelling Fee

    Up to THB 10,000 depending on distance for Kai Faak registration at the Land Department.

  • Other Expenses

    Responsibility of seller.

  • Land and building tax

    Responsibility of seller.

  • Withholding Income tax

    Responsibility of MBKG.

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 of condominium.
  • Land plot must not be part of a housing project whether in accordance with Land Development Act, or not.
  • Land with commercial properties. All subject to company’s discretion and should be consistent with company’s business.

Required Documents


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

Remarks :

Template is available.


  • Company’s official affidavit (valid for at least 3 months)
  • Shareholder list (from Bor-Or-Jor 5)
  • Authorized director’s ID (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

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