GHB helps low income people to have a house easier. Borrow 1 million installments for the first year starting at only 3,400 baht through 3 low interest rate home loan products.
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On February 7, 64, Mr. Chatchai Sirilai, Managing Director. Government Housing Bank (GHB) revealed that in order to increase the opportunity for low income groups Including government personnel to have their own housing more easily The Bank of Thailand has prepared a 70,000 million baht credit limit through 3 low-interest loan products for low-income earners as follows:
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1. The housing loan project for government personnel, the credit limit of 30,000 million baht.
– for government officials Government employee University staff State Enterprise Employees An employee or government official whose name is otherwise called And permanent employees who are entitled to borrow money under the no-deposit housing loan welfare program agreement The agency has signed with the Bank.
– able to borrow without the maximum loan limit
– Interest rate for 1st year is 2.65%
– Year 2 equals 3%
– Year 3 is equal to MRR-2.65% with average interest rate for the first 3 years is 3.05%.
– Year 4-5 is equal to MRR-2.00% or 4.15%
– Year 6 until the end of the contract Interest rate MRR-1.00% per annum for 1 million baht loan.
– Installment payment starting from only 3,400 baht per month
– Free loan submission fee And registration fees for legal and legal rights
– Loan for purchase, building, extension, repair, redemption, mortgage of land from other financial institutions Pay off debt on housing And purchase equipment and facilities related to housing Submit a loan application and make a juristic act within 30 June 64
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2. Different home loan projects, the limit of 10,000 million baht.
– For those with an income not exceeding 25,000 baht per month
– Credit limit for each individual not exceeding 2 million baht
– Interest rate for year 1-2 is 2.75% per year
– Year 3 is equal to MRR-3.40% (Currently, the MRR interest rate is 6.150%), the average interest rate for the first 3 years is only 2.75% per annum.
– Year 4-5 is the same as MRR-2%
– Year 6 until the end of the contract For general retail customers Interest rate MRR-0.75% per annum and for welfare customers Interest rate MRR-1% per year
– Loan 1 million baht, installment payment starting from only 3,500 baht per month
– Free loan submission fee Collateral appraisal fee And registration fees for legal and legal rights
– Loan for purchase, construction, renovation, repair and redemption of mortgage from other financial institutions Submit a loan application and make a juristic act within 30 June 64
3. House of Bank for Agriculture and Agricultural Cooperatives, 30,000 million baht
– For people with income not more than 35,000 baht per month
– Credit limit for each individual not exceeding 3 million baht
– Interest rate for 1st year is 3%
– Year 2 equals 4%
– Year 3 is equal to MRR-1.15%
– Year 4 until the end of the contract For general retail customers The interest rate is MRR-0.75% per annum and for benefits customers, the interest rate is MRR-1% per annum.
– Loan 1 million baht, installment payment starting from only 3,800 baht per month
– Free loan submission fee
– Lending for the purchase of construction, renovation, repair and purchase of residential-related equipment and facilities, together with the loan for the primary purpose Submit a loan application and make a juristic act within 30 December ’21
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