Mr. Chatchai Sirilai Managing Director Government Housing Bank or Bank of Agriculture said that in order to add options for employees who work regularly And self-employed With a monthly income of more than 25,000 baht and more to have a place to live for the stability of their own lives and their families more easily. The Bank of Thailand has prepared another 23,000 million baht credit line to create 5 low interest rate loan products in the Business Solution group as follows
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Featured News
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1. The Yoo Yen Pen Suk home loan project, the credit limit of 4,000 million baht
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For the purchase, construction, renovation, repair and purchase of equipment or facilities together with the objectives specified by the Bank for residences with renewable energy systems. Or a system to help reduce the use of electrical energy or equipment to help reduce heat in the home To be an energy-saving residence (ECO House)
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– Interest rate starting from year 1 is 1.75% per annum
– Year 2 is equal to MRR-3.40% per year
– Year 3 is equal to MRR-2.45% per year
– Average interest rate for the first 3 years is 2.73% per year only. (Currently, the MRR interest rate is 6.150%)
– In the case of borrowing 1 million baht, installments starting at only 3,600 baht per month, submitting a loan application for approval and making a juristic act within 30 December ’21.
2. Home Loan Project D Plus, credit limit of 2,000 million baht.
For customers who have a loan amount of 2,500,000 baht or more and buy a home in a housing project that is participating in special projects that the Bank has created to increase the convenience and speed of considering credit for customers such as the Fast Track project, the Smart Fast Track project and Regional Fast Track project, etc.
– Interest rate starting from year 1 is 1.99% per annum
– Year 2 is equal to MRR-3.40% per year
– Year 3 is equal to MRR-2.45% per year
– Average interest rate for the first 3 years is 2.81% per annum.
– In the case of borrowing 2,500,000 baht, installments starting at 10,300 baht per month, submitting a loan application from today to June 30, 64, approve and make a juristic act within 30 July 64.
3. Home loan project to satisfy the budget of 3,000 million baht.
For customers who use the service of business operators that are members of the Thai Home Builders Association Home Builder Business Association and Build One Group Company Limited to build, add, expand and repair buildings And purchasing equipment or facilities for the benefit of living together with the objectives specified by the bank
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– Interest rate starting from year 1 is 2.80% per annum.
– Year 2 is equal to MRR-3.05% per year
– Year 3 is equal to MRR-2.65% per year
– Average interest rate for the first 3 years is 3.13% per annum.
– In the case of borrowing 1 million baht, installments starting at only 4,200 baht per month Submit a loan application from now until 30 Jun ’64 Approval and making a juristic act within 30 Jul ’64
4. Home Loan All Home project, credit limit of 6,500 million baht.
For customers with the purpose of borrowing to buy a home Loan amount not more than 3 million baht
– Year 1 equals 3.25% per year
– Year 2 is equal to MRR-2.65% per year
– Year 3 is equal to MRR-2.25% per year
– Average interest rate for the first 3 years is 3.55% per annum.
– In the case of borrowing 1 million baht, installment payments start at only 4,400 baht per month.
As for the interest rate on the loan amount of 3 million baht or more.
– Year 1 equals 3.00% per year
– Year 2 is equal to MRR-2.90% per year
– Year 3 is equal to MRR-2.40% per year
– Average interest rate for the first 3 years is 3.33% per year
– In the case of borrowing 3 million baht, installments starting at only 3,500 baht per month Submit a loan application from now until 30 Jun ’64 Approval and making a juristic act within 30 Jul ’64
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5. Dream Homes by GHB home loan project with a credit limit of 7,500 million baht.
For customers who do not have mortgage installments with the Bank and other financial institutions Loan to buy, build, build or buy land and build
– Interest rate for year 1-3 is 3.25% per year
– Year 4-5 equals 4.15% per year
– In the case of borrowing 1 million baht, installments starting at only 3,500 baht per month Submit a loan application from now until 30 Jun ’64 Approval and making a juristic act within 30 Jul ’64
However, the design of the Bank’s loan products, which sets the interest rate and annuity, is a stepping stone. It will help customers to make installments without experiencing the problem of higher installments than their ability to pay off future debt or Payment Shock.
For example, the Yoo Yen Pen Suk Home Loan Project, the 1st year interest rate is 1.75% per annum, there will be a monthly installment payment of only 3,600 baht per month. The interest in the 2nd year is therefore only 2.75% per year, the monthly payment is 4,400 baht per month, and the 3rd year, the interest rate is 3.70% per year, the monthly payment is 4,900 baht.
This is considered an adjusted installment in accordance with the borrower’s income. And the amount of the installment is sufficient to cut both the principal and the interest at a reasonable level. This gives the customer the opportunity to close the loan account before or within the period specified by the loan agreement.
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