Loan applicant requirements

   GHB

1. Dream Homes by GHB
home loan for general customers or customers without savings and without current home loan or mortgage with other financial institutions.

2. All Home
loan for general customers or customers without savings.

3. THS for You housing project
project for general individuals with income not exceeding 35,000 THB per month and without current home loan or mortgage with THS.

4. THS for Love housing project in 2022
for general individuals with income not exceeding 35,000 THB per month, as well as general customers or customers without savings.

1. Individual Thai citizens aged between 20 and 65 years old.
2. Permanent employees with a minimum working experience of 2 years, current employment must have passed probation period.
3. Self-employed individuals with a minimum of 2 years in business.
4. Co-borrowers must have a relation that can be verified.

   Bangkok Bank           

Home loan for general customers
1. Individuals with a minimum age of 20 years old.
2. Having a regular income or self-employed with clearly demonstrated income, with a minimum of 6 months history.
3. Having a good financial history in credit bureau's records.

Home loan for specific profession group
1. Medical profession group
1.1. Medical professionals such as doctors, dentists, and veterinarians who are registered and have received a license to practice from the Medical Council, Dental Council, or Veterinary Council, or are registered as Chinese medicine practitioners under the Act on the Registration of Chinese Medicine Practitioners of the Board of Chinese Medicine Practitioners.
1.2. Pharmacists who have a regular income and work in hospitals or related industrial factories for the preparation or inspection of drugs.

2. lawyers and judges

3. commercial pilots

4. engineers
4.1. Special occupation group for professional engineers who have been granted a license as a professional engineer control (PE) by the Engineers Council and currently working in the field of engineering or utilizing their engineering knowledge in their profession
4.2. "Regular employees who have worked for a minimum of 1 year or self-employed individuals who have been running their own business for at least 1 year.
4.3. Individuals who work in the profession mentioned above have a monthly income of at least 20,000 Baht or more.
4.4. Has a good financial history as reflected in credit bureau records and is not currently under investigation for any disciplinary or ethical misconduct, or has had their professional license revoked.

Home loan for salaried employees with high income
Home loan for salaried employees with a monthly income of at least 50,000 baht and meeting one of the following criteria:

1.It is an employee who has a payroll account with Bangkok Bank.
2. Is a regular employee working in leading business organizations as follows:
2.1. Leading business organizations (additional information can be obtained from Bangkok Bank branch)
2.2. Thai Commercial Bank or financial institutions registered in the stock market
2.3. State enterprise or organizations transformed from state enterprise, such as TOT Public Company Limited, CAT Telecom Public Company Limited, Thai Post, Electricity Generating Authority of Thailand, Metropolitan Waterworks Authority, etc.

   TTB           

Company Employee / Government Employee / State Enterprise Employee
1. Receive salary through bank transfer with a minimum base salary of 15,000 THB
2. Age between 20-60 years old
3. Currently working for more than 4 months

Self-Employed Business Owner
1. Estimated monthly income of 50,000 THB or more
2. Age between 20-60 years old
3. Been in business in Thailand for at least 2 years (counted from the date of business registration)

   Krung Thai           

1.Has a fixed salary or income, or is a self-employed business owner who can pay off debts
2.Legally married or at least 20 years old
3.Able to apply for a joint loan with the co-borrower's age and loan term not exceeding 65 years old or retirement age as specified by specific profession laws such as judges or public prosecutors
4.No negative financial history and no outstanding debt
5.Co-borrower must have the ability to make joint loan payments with the primary borrower.

   Kaskikorn Bank           

1.Thai citizen, aged 20 years or older but not exceeding 70 years old
2.Can have a maximum of 3 co-borrowers, who must be legal relatives (including unregistered spouses)
3.In case of a single loan, the net income must be at least 15,000 THB per month
4.In case of a joint loan, the combined net income must be at least 15,000 THB per month

Note: In case of a loan for property purchase, the minimum net income is 7,500 THB per month (In case of joint loan, the net income of each borrower must meet the criteria above)

5. Must have been working for at least 6 months (Previous work experience can be counted if passed a trial period at the current workplace)

   GSB           

1. Being a depositor of a bank for collateral loan
2. Age of 20 years old or above and the combined age of borrower and loan repayment period must not exceed 70 years old
3. Having a stable occupation and income
4. In case of joint loan, the following conditions apply:
4.1 Joint loan with a spouse, children, parents or siblings, it is not necessary to jointly own the collateral property.
4.2 Joint loan with others other than those mentioned in 4.1, all borrowers must jointly own the collateral property
Note: In case of joint loan, the loan repayment period is determined based on the youngest borrower's age or the retirement age specified by the profession.