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Home Loan Refinance

Home Loan Refinance

Promotion for homes & condos: Fixed interest rate of 1.90% p.a. for the first year.

Refinance your home with a lower interest rate & get up to 100% loan approval.

Top-up loan available for home/condo refinance

Lower interest. Own home faster with equal payments.

Loan approval ranging from 500,000 to 50 million THB.

Free! Fire insurance premium and collateral appraisal fee

Use as necessary and have ability to repay at interest 4.783% - 5.247% p.a.

Enter information to calculate

How ttb home loan refinance can be your money-saver?

Baht / month

Baht

Min 500,000 to max 50,000,000 Baht

Years

% p.a.

Indicate current interest rate or adjusted rate in the 4th year

Monthly Savings

0

Baht / month

New installment payment

0

Baht / month

Total interest savings

0

Baht

Adjust in order to estimate the right installment payment for you

Years

Maximum payment up to 35 years
Not exceeding 65 years when combined with the borrower's age

You can also request for top-up loan

  • For enhancing liquidity in your life and business
  • For debt consolidation
  • For instant cash advance in ttb cash your home cash card

Product Details

Benefit

หลากหลายทางเลือกดอกเบี้ย และค่างวด

Various interest rate and installment options.

Special offer! Customers receiving their salary through a ttb account enjoy a fixed interest rate of 0.99% per annum for the first year.

Easy monthly payments

Easy monthly payments

Loan term up to 35 years.

Top up existing home loan

Top up existing home loan

Just refinance and get more funds to enhance liquidity

More cost-effective

More cost-effective

No mortgage fee when choosing interest mode that includes mortgage fee.

Free

Free

Collateral appraisal fee and fire insurance premium

Get instant cash advance

Get instant cash advance

No borrowing, no cost Ready to handle unplanned events with Cash Your Home Cash Card. Get lower interest than normal cash card.

General Information

Approval Amount

Minimum 500,000 Baht up to the maximum of 50,000,000 Baht or not exceeding 100% of the Bank’s appraised price.

1. For refinancing home with land or condo unit worth not exceeding 10 million Baht
  • approval amount will be equal to the former debt or up to not exceeding 95% of the Bank’s appraised price, whichever is lower.
2. For refinancing home with land or condo unit worth 10 million Baht and above
  • approval amount will be equal to the former debt or up to not exceeding 90% of the Bank’s appraised price, whichever is lower.

Repayment Period

Up to 35 years but not exceeding 65 years when combined with the borrower’s age (maximum repayment period is 30 years under the conditions specified by ttb).

Easy and Fast Approval

ttb will notify you of the results within 5 – 7 business days after receiving complete supporting documents.

Interest Rate & Fee

Option 1
Apply in conjunction with 3 add-on products
Interest Rate 1st year
1.90%
Interest Rate 2nd year
3.46%
Interest Rate 3rd year
4.09%
Interest Rate after 3rd year
MRR-1.78%
3-Year Average Interest Rate
3.15%
Effective Interest rate*
4.882%
Free! Fire insurance premium
Free! Collateral appraisal fee
Option 2
Apply in conjunction with 3 add-on products
Interest Rate 1st year
3.09%
Interest Rate 2nd year
3.09%
Interest Rate 3rd year
3.09%
Interest Rate after 3rd year
MRR-1.78%
3-Year Average Interest Rate
3.09%
Effective Interest rate*
4.859%
Free! Fire insurance premium
Free! Collateral appraisal fee
Option 3
Apply in conjunction with less than 3 add-on products
Interest Rate 1st year
4.09%
Interest Rate 2nd year
4.09%
Interest Rate 3rd year
4.09%
Interest Rate after 3rd year
MRR-1.78%
3-Year Average Interest Rate
4.09%
Effective Interest rate*
5.229%
Free! Fire insurance premium
Free! Collateral appraisal fee
Remark : Effective Interest Rate 4.859% - 5.247% p.a. with MRR interest rate = 7.605% per year as of 5 Mar 2025. *Floating interest rates can be changed, increased or decreased.

Special Interest Rate for ttb payroll

Special Interest Rate for ttb payroll

Option 1
Apply in conjunction with 3 add-on products
Interest Rate 1st year
0.99%
Interest Rate 2nd - 3rd year
3.84%
Interest Rate after 3rd year
MRR-1.78%
3-Year Average Interest Rate
2.89%
Effective Interest rate*
4.783%
Free! Fire insurance premium
Free! Collateral appraisal fee
Option 2 (Free! Mortgage fee)
Apply in conjunction with 3 add-on products
Interest Rate 1st year
0.99%
Interest Rate 2nd - 3rd year
4.20%
Interest Rate after 3rd year
MRR-1.78%
3-Year Average Interest Rate
3.13%
Effective Interest rate*
4.875%
Free! Fire insurance premium
Free! Collateral appraisal fee
Option 3
Apply in conjunction with less than 3 add-on products
Interest Rate 1st year
1.24%
Interest Rate 2nd - 3rd year
5.20%
Interest Rate after 3rd year
MRR-1.78%
3-Year Average Interest Rate
3.88%
Effective Interest rate*
5.153%
Free! Fire insurance premium
Free! Collateral appraisal fee
Remark : Effective Interest Rate 4.783% - 5.190% p.a. with MRR interest rate = 7.605% per year as of 5 Mar,2025. *Floating interest rates can be changed, increased or decreased.

Eligibility

Permanent Employee

  • Receive salary via transfer into account with salary base of at least 15,000 Baht.
  • Age between 20 – 60 years.
  • At least 4 months’ employment period at the current job.

Business Owner / Self-employed Applicants

  • Projected income at least 50,000 Baht per month.
  • Age between 20 – 60 years.
  • At least 2 years’ business operation in Thailand (from the date of registration).

Application Documents

Required documents for primary applicant / joint-applicant.

Permanent Employee
  • Copy of national ID card.
  • Copy of House Registration.
  • Pay slip (latest month) or salary certificate issued within the past 2 months.
  • Copy of bank statements for the past 6 months.
Business Owner / Self-employed Applicants
  • Copy of national ID card.
  • Copy of House Registration.
  • Copy of bank statements showing business revolving funds for the past 6 months.
  • Copy of Business License issued by relevant official agencies:
    • For company: Copy of Company Registration Certificate (issued within the past 3 months) and copy of the List of Shareholders (issued within the past 3 months).
    • For limited partnership: Copy of Partnership Registration Certificate (issued within the past 3 months).
    • For merchant: Copy of Commercial Registration Certificate / Business Registration Certificate.
  • Income and expense account (if any) for the past 6 months / financial statements / VAT Return Form (PP. 30) for the past 6 months.

Proof of Collateral

  • Copy of every page of Land Title Deed or Certificate of Utilization (N.S.3 K) or Condominium Unit Ownership Certificate or Or. Chor. 2 Form.
  • Copy of every page of Title Deed to the Construction or Letter of Permission to Construct House or Land Selling Agreement (Tor Dor. 13) or Condominium Unit Purchase and Sale Agreement (Or. Chor. 23).
  • Copy of the receipt of the last installment payment of the loan to be refinanced (not more than 1 month’s old).
  • Copy of Loan Agreement with the former lender.
Remark:

Loan consideration shall be under the Bank’s discretion.

Testimonials

Khun Piyapong

Questions are well answered with full information. Feel confident to continue using service.

Khun Vipada

Impressed with fast and exceptional service. I had no knowledge about the interest and got detailed advices for my decision.

Khun Chartchai

Wherever and whenever, I can get convenient service at the office without having to visit the Branch. Thanks so much.

Khun Piyapong

Questions are well answered with full information. Feel confident to continue using service.

Khun Vipada

Impressed with fast and exceptional service. I had no knowledge about the interest and got detailed advices for my decision.

Khun Chartchai

Wherever and whenever, I can get convenient service at the office without having to visit the Branch. Thanks so much.

Khun Piyapong

Questions are well answered with full information. Feel confident to continue using service.

Khun Vipada

Impressed with fast and exceptional service. I had no knowledge about the interest and got detailed advices for my decision.

Khun Chartchai

Wherever and whenever, I can get convenient service at the office without having to visit the Branch. Thanks so much.

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