UOB Home Loan

Product Features

  • For new house, the maximum loan is 95-100% of the purchases price but no over 100% of the appraised value of the Property and  90-95% for upcountry (For Condominium, maximum loan is 95% of the purchases price but no over 100% of the appraised value and 75-90% for upcountry )
  • For 2nd hand house, the maximum loan is 95-100% of the appraised value and  80-90% for upcountry  (For Condominium, maximum loan is 95-100% of the  appraised value and 75-90% for upcountry).
  • For Construction, the maximum loan is 85% of appraised land value and construction value (70% for land value and 100% for construction value).
  • Maximum loan tenor is up to 30 years
  • Maximum loan amount is THB 50,000,000 (THB 15-30 million for upcountry).


  • The above maximum loan amount or Loan to Value (LTV) must not exceed LTV of BOT Regulation
  • To enjoy Product Features above, customer and/or property collateral must be qualified as per bank’s credit criterions.

Applicant’s Basic Qualification

Applicants Basic Qualification

  • Thai nationality
  • Minimum salary of THB 20,000 per month
  • At least 2 years of working experience (3 years if self-employed)
  • At least 21 years old, Age + loan tenor: 
    • must not exceed 70 years. for Salaried income and Government Sector
    • must not exceed 75 years. for Self-employed

Document Required

Document Required

Personal documents of the applicant.

Collateral related documents.

Financial documents.

  • Identification card
  • Household registration
  • 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
  • Evidence of down payment
  • In the case of refinancing from another financial institution
    • Purchase and Sale Agreement of property. (Tor Dor. 13)
    • Evidence of 12 consecutive months of payment
    • Loan and mortgage   agreement
  • In the case of Construction
    • Construction permission certificate
    • Architectural blueprint/ drawings
    • Construction quotation/ agreement
  • Latest pay slip and letter of employment (original copy)
  • The past 6 months of bank statements
  • For self-employed application only:
    • Business registration
    • Letter of certification from   the Ministry of Commerce
    • Corporate affidavit


Remark: Bank reserves the right to change the conditions without making prior notice.
 Current MRR interest rate is per bank's announcement


For more information, please contact: UOB branch or directly call 0-2093-2020