by Select Sales Center Property 
Refinance your home, Government Savings Bank, interest rate on your home, Government Savings Bank, a government bank that gives most people, especially low-income earners, more access to home loans, including the Government Housing Bank (GHB), Refinance your home, Government Savings Bank, interest rate on your home, Government Savings Bank, which has released various interesting loan packages. Let’s see how much your home loan, Government Savings Bank, interest rate on your home, Government Savings Bank, and GHB are, including Refinance your home, Government Savings Bank, and GHB.
DD Home Loan (ดี๊ดีย์) GH Bank, first-year interest rate 1.90% per year, installments 3,000 baht/month per million
The Government Housing Bank (GHB) supports Thai people to own their own homes by preparing a 50,000 million baht budget to create the “DD (Dee Dee) Home Loan Project” for those who want to buy a house or a condominium project operated by a housing project operator (Developer) who has an agreement with the bank, including purchasing equipment or facilities related to housing along with the home loan.
The interest rates are as follows:
- Year 1 is 1.90% per year
- Year 2 is 2.90% per year
- Year 3 is 3.60% per year (the average interest rate for the first 3 years is only 2.80%)
- Year 4-5 is MRR-2.00% per year
- Year 6 until the end of the contract, in the case of retail customers, it is MRR-0.50% per year, in the case of welfare customers, it is MRR-1.00% per year, and in the case of purchasing equipment or facilities related to housing, it is MRR (currently, the GHB MRR interest rate is 6.545% per year).
The maximum loan period is 40 years. In the case of a loan of 1 million baht, the starting installment payment is only 3,000 baht per month.
Special: In the case of the first contract, the collateral value is less than 10 million baht. Customers will receive a loan of 110% of the appraised value or sales price.
To provide more options for customers to have a home, those who are interested can submit a loan application at any GH Bank branch nationwide from today onwards and complete the transaction by December 30, 2024, or GH Bank will provide a loan up to the project’s credit limit.
Interested persons can apply for a DD (ดี๊ดีย์)home loan at any bank branch nationwide. For more information, please contact any GH Bank branch nationwide. G H Bank Call Center Tel. 0-2645-9000
Home loan, Government Savings Bank, low interest rate, first-year 2.29% per year
Government Savings Bank caters to those who want to own a home with lower interest rates for the first year with Government Savings Bank home loans, low interest rates, easy installments
- Fixed interest rate for the first year of 2.29% per year
- Maximum loan amount of 110%
- Supports property appraisal fees, as paid, not exceeding 5,000 baht per person (for customers with a home loan amount of 3 million baht or more)
Details
- For the case of purchasing/building/adding/renovating with a home loan credit of 3 million baht or more
- Regular income occupations or freelance income occupations with an income of 30,000 baht or more
- Currently, the MRR is equal to 6.595% per year (from May 1, 2024 onwards). However, the floating interest rate can be increased or decreased.
- The effective interest rate is between 2.29%-6.345% per year.
- The effective interest rate throughout the contract period (EIR) in the case of a home loan credit of 3 million baht to less than 10 million baht is between 4.891%-5.374% per year (calculated from a loan credit of 3 million baht, 20-year period, with equal installments) In the case of a home loan credit of 10 million baht or more, it is between 4.8%-5.281% per year (calculated from a loan credit of 10 million baht, 20-year period, with equal installments)
- Supports property appraisal costs As paid, not exceeding 5,000 baht per person (for customers with a home loan credit limit of 3 million baht or more)
- Other terms and conditions are as determined by the bank.
Promotion period from August 16 – November 15, 2024, approval and contract execution by December 15, 2024
Refinance loan, Government Savings Bank, easier installments, fixed interest for 2 years
Home loans from Government Savings Bank for those who wish to redeem their homes from other financial institutions (Refinance), low interest rates, easier payments
- For general customers, regular income (income not specified) or independent income from 20,000 baht or more
- The fixed interest rate for 2 years (the actual interest rate throughout the contract period (EIR) is between 4.787%-5.419% per year, calculated from a loan amount of 1.5 million baht, 20-year period, with equal installments)
- Support mortgage registration fees* as paid, not exceeding 30,000 baht per person (for customers with a home loan amount of 1.5 million baht or more and choosing an interest rate in the case of supporting mortgage registration fees)
- Promotion period from August 16-November 15, 2024, approval and signing of the contract by December 15, 2024
Happy Home Home Loan, GH Bank, fixed interest rate of 3% per year for 5 years
The Happy Home home loan project with a project budget of 20 billion baht by the Government Housing Bank (GHB) supports loans for low- to middle-income people to own their own homes, buy land with a building or a condominium, build a building or buy land with a building, and to buy equipment or related facilities for residential purposes.
The fixed interest rate of 3% per year for 5 years, maximum credit limit per person not exceeding 3,000,000 baht, maximum loan period not exceeding 40 years. People interested in joining the project can submit loan applications with the GHB from today until December 30, 2025, or until the GHB provides loans in full according to the project’s credit limit.
Happy Life Home Loan GH Bank, the average interest rate for the first 3 years is 2.98% per year
The Happy Life Home Loan project has a project budget of 10 billion baht, with GH Bank supporting loans for people to have their own homes, to buy land with buildings or condominiums, build buildings or buy land with buildings, to extend, expand or repair buildings, or redeem mortgages from other financial institutions.
The average interest rate for the first 3 years is 2.98% per year, with a credit limit of 2,500,000 baht per person or more. People interested in joining the project can submit a loan application with GH Bank from today onwards or until GH Bank provides loans up to the project’s credit limit.
Mild Home Loan 2024, fixed interest rate for the first year 1.90% per year
Mild Home Loan 2024, starting installments at 2,500 baht per million, fixed interest rate for the first year 1.90% per year, installments for up to 40 years, with details as follows:
Loan application objectives, for new loans
- To purchase land with a building or a condominium
- To purchase vacant land that is an NPA asset of the GH Bank
- To construct a building or purchase land with a building
- To extend, expand, or repair a building
- To pay the life insurance premium for loan protection (MRTA) together with the loan application for the main purpose of this product only
Note: The definition of the term “building” means a single house, a twin house, a townhouse, and a commercial building for residence, except for flats and rental houses
Credit Limit
- The total credit limit for all accounts under the same collateral is more than 3 million baht.
- In the case of requesting a loan for more than 1 account, the joint account can use the interest rate of other projects. The total credit limit for all accounts under the same collateral must be more than 3 million baht.
- Credit limit according to the collateral criteria shall be by the loan operating regulations.
- Credit limit according to the income criteria shall be by the loan operating regulations.
Loan period
Not less than 3 years and not more than 40 years. The borrower’s age plus the number of years requested for the loan must not exceed 70 years, except for judicial officers, prosecutors, or others whose retirement age is more than 60 years, in which case the borrower’s age plus the loan period must not exceed 75 years.
Interest rate
| Year | Interest rate |
| Year 1 | = 1.90% per year |
| Year 2 | = 2.90% per year |
| Year 3 | = 3.90% per year |
| Year 4 onwards for welfare customers | = MRR-1.00% per year |
| Year 4 onwards for retail customers | = MRR-0.50% per year |
Effective Interest Rate Throughout the Contract Period (EIR)
- For Welfare Customers = 4.78%
- For Retail Customers = 5.11%
The loan application period is from today until December 30, 2024. The approval period and legal transactions are due by December 30, 2024. (The bank reserves the right to set the project end date before the deadline if the bank has already provided the full amount of the project loan.)
GSB Home Loan for People, average interest rate for the first 3 years 2.95% per year
Government Savings Bank has launched a real estate stimulus loan project, consisting of:
- GSB Home Loan for Thais for individuals who wish to purchase land with buildings, condominiums, or build their own homes. Maximum loan amount not exceeding 7,000,000 baht per person
The average interest rate for the first 3 years is 2.95% per year
Year 1 Interest rate 1.95% per year
Year 2 = 2.95% per year
Year 3 = 3.95% per year
Year 4 onwards MRR -0.750% per year
Maximum loan period not exceeding 40 years with special low installment payment conditions for up to 3 years, with the first year paying 2,500 baht per million per month, year 2 3,500 baht per million per month, and year 3 4,500 baht per million per month, after that 8,200 baht/month, total interest rate of 589,300 baht (calculated from a loan amount of 1 million baht for 20 years) - Top-Up loan Those who want to borrow more to buy furniture, decorate the house, or other necessities for moving in can apply for a Top-Up loan with a fixed interest rate for the first 3 years. 3.490% per year and can choose to pay in installments in low installments for 3 years at 4,000 baht per million per month
Top loan installments for years 1-3 at 4,000 baht per million per month, after that 8,500 baht per month, interest for the entire contract 648,800 baht (calculated from a loan amount of 1 million baht for 20 years)
Details
– Currently, the MRR is equal to 6.845% per year (from January 9, 2024 onwards). However, the floating interest rate can be increased or decreased.
– The effective interest rate is between 1.950% – 6.595% per year.
– The effective interest rate throughout the contract period (EIR) is between 4.861% – 5.401% % per year, calculated from a loan amount of 1 million baht for 20 years with equal installments.
Both projects can submit loan applications with the Government Savings Bank from today until December 30, 2024, or until the full amount is paid. and make a contract within 30 January 2025
GH Bank Home Loans Ready-to-Use Loans 2024
Ready-to-use loans are for those who borrow to buy a home and need additional money to buy equipment or facilities, or customers who have a loan account with the bank and want to borrow more to reduce the difference in buying equipment or facilities.
Purpose of loan application
In case of a new loan and additional loan
- To purchase equipment or facilities for residential purposes
- To pay for life insurance premiums for loan protection (MRTA) together with the loan application for the main purpose of this product only.
Loan period
Not less than 3 years and not more than 40 years. The borrower’s age plus the loan period must not exceed 70 years, except for judicial officers, prosecutors, or others whose retirement age is more than 60 years, in which case the borrower’s age plus the loan period must not exceed 75 years.
Interest rate
| Year | Interest rate |
| Year 1 | = 5.40% per year |
| Year 2-3 | = MRR-1.50% per year |
| Year 4 until the end of the contract | = MRR |
Effective Interest Rate (EIR) = 6.51%
The loan application period is from today until December 30, 2024. The approval and legal procedures are set by December 30, 2024. (The bank reserves the right to set the project end date before the deadline if the bank has already provided full credit for the project.)
Baan Lan Lang Phase 3, loan amount 1.5 million, interest rate 3% fixed for 5 years
The Million Homes Phase 3 project has a project budget of 20 billion baht, with the Government Housing Bank providing loans to the general public who want to own their own homes, with the following details:
- Home loans with purchase-sale price/construction cost and maximum loan amount per person per collateral not exceeding 1,500,000 baht per person per collateral, for both houses or condominiums, whether they are new homes of real estate developers or second-hand homes, or for construction and purchase of equipment or facilities for living together with purchasing a house or condominium.
- Maximum loan period not exceeding 40 years.
- Exempting the collateral appraisal fee (1,900-2,300 baht) and the mortgage registration fee (1% of the mortgage amount).
- Fixed interest rate of 3% per year for the first 5 years (fixed installments for the first 60 installments). The loan amount of 1 million baht, starting with installments of 4,100 baht per month. The loan amount of 1.5 million baht, starting with installments of 6,200 baht per month.
Interest rate
| Year | Interest rate |
| Year 1-5 | 3.00% |
| Year 6-7 | = MRR-2% per year |
| Year 8-Contract period (in case of general retail customers) | = MRR-0.75% per year |
| Year 8-Contract period (in case of welfare customers) | = MRR-1% per year |
| Year 8-Contract period (in case of a loan to purchase equipment) | = MRR (currently at 6.40% per year) |
Relaxing the conditions for applying for the Million Homes Project, Phase 3
In addition, the GH Bank has relaxed the conditions for customers who participate in the Million Homes Phase 3 project to help increase the chances of customers receiving appropriate credit lines, including customers who work full-time or freelance, who can present evidence of rent payments or house down payments for no less than 12 months to the bank for consideration of additional loans.
If you cannot show evidence of your income, you can register to join the Financial Literacy project and save regularly for no less than the installment payments for no less than 9 months to use as evidence for consideration of loans with the bank.
You can make a transaction from today until December 30, 2025, or before the specified period if GH Bank has provided a loan in full according to the project’s credit limit.
For more information, please contact any GH Bank branch nationwide the G H Bank Call Center at 0-2645-9000, or the Government Housing Bank Facebook page. Follow the bank’s news on the Mobile Application: GHB ALL GEN and the Government Housing Bank website.
GH Bank Home Loans, Baan Ua-Athorn Project
The Government Housing Bank provides loans for purchasing land with buildings or condominiums in the “Baan Aue-Athorn” project of the National Housing Authority only. The credit limit does not exceed 100% of the purchase price, the repayment period does not exceed 30 years, and the age of the primary borrower (qualified persons under the project) or co-borrower plus the number of years of the loan request must not exceed 65 years (the bank will count the age of the primary borrower or co-borrower who is younger as the main factor).
The general public who are interested in leasing a house in the Baan Aue-Athorn project must first submit a reservation form to the National Housing Authority or the local housing authority. You can inquire about details, see the house model and project location on the National Housing Authority website, or call the call center at 1615, press 2, or the National Housing Authority’s sales management division at 0-2351-6928, 0-2351-6816.
Once the right to lease has been granted, the National Housing Authority will forward it to the Government Housing Bank to proceed with the loan process for leasing the Baan Aue-Athorn project.
