A floating rate overdraft credit line or a fixed term loan or combination of fixed term loan and overdraft credit line, with chequebook access through a current account, for homeowners to utilize the equity in their residential properties. Acceptable properties are single houses, twin houses, townhouses and residential condominiums.
Whether you own a residential property or a mortgaged home with other another institution, you can have 24-hour reserved cash with the following privileges:
Credit Limit up to 75% - 85% of appraised value
Minimum loan amount is THB 500,000 and maximum at THB 50,000,000 (THB 15-30 million for upcountry)
Choices are yours to choose among an overdraft credit line, a fixed term loan and a combination of an overdraft credit line and a fixed term loan. For a fixed term loan, tenor is up to 20-30 years
For accessible through an ATM card or cheque which can be cashed at any UOB counter.
Remark : To enjoy Product Features above, customer and/or property collateral must be qualified as per bank’s credit criterions.
Applicant’s Basic Qualification
Minimum salary of THB 30,000 per month
At least 2 years of working experience (3 years if self-employed)
At least 21 years old, Age+loan duration :
- must not exceed 70 Yrs. for Salaried income and Government Sector
- must not exceed 75 Yrs. for Self-employed
Personal documents of the applicant.
Collateral related documents
Marriage license or letter of divorce (if any).
Letter of change of name or surname (if any).
Identification card and household registration of spouse (if any).
Every page of the title deed to property.
Purchase and Sale Agreement of property.
(Tor Dor. 13) Letter of permission to construct and request for house number (in case that you submit the request to construct by yourself)
In the case of refinancing from another financial institution:
- Payment records for
the past 12 months
- Loan and mortgage
Latest salary pay slip and letter of employment
(original copy) Bank statements for the past 6 months
For self-employed only:
- Business registration
- Letter of certification from the Ministry of Commerce.
- Corporate affidavit.
Remark : The
Bank reserves the right to change these and any other conditions
without prior notice.
For more information, please contact :
UOB branch or directly call 0-2620-2020
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