UOB Home Refinance

Loan approval is based on bank's criteria and guideline

  • Borrow when necessary and within your means
  • Effective interest rate throughout the loan contract tenor is from 5.75% to 7.29% p.a.*

* These effective interest rate may be changed subject to bank's interest rate promotion at that time. The assumption of calculation is based on MRR (as of October 4, 2023) = 8.80% p.a. which may be increased or decreased from time to time. Details of calculation, please click.

Product Features

Product Features
  • For Home Loan refinancing, the maximum loan is 100% of appraised value and 85-90% for upcountry (For Condominium, maximum loan is 100% of appraised value and 80-90% for upcountry).
  • Maximum loan tenor is up to 30 years
  • Maximum loan amount is THB 50,000,000 (THB 15-30 million for upcountry).

 Remark

  • 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.

Qualifications of Applicants

Applicant’s Basic Qualification
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  • 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

Personal documents of the applicant.

  • 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)

Collateral related documents.

  • Every page of the title deed to property
  • Purchase and Sale Agreement of property. (Tor Dor. 13)
  • Evidence of 12 consecutive months of payment
  • Loan and mortgage agreement

Financial documents.

  • 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

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