Interest Rate of Krungsri Home Refinance From Aug 1, 2020 - Nov 30, 2020

3.2 MB

Interest Rate of Krungsri Home Refinance commercial building From Aug 1, 2020 - Nov 30, 2020

2.7 MB

Personal Documents

Copy of ID Card
Copy of House Registration
Copy of Marriage/Divorce (if any)
Copy of Death Certification with Marriage in case of dead spouse (if any)
Copy of Name/Surname Change Letter (if any)
Copy of ID and House Registration of Spouse

Income Documents
Salaried

Salary slip/salary confirmation letter
Past saving bank 6 months bank statement
Withholding tax certificate (50 Tavi)

Self- Employed

Corporate affidavit/ certificate of commercial registration
The currently shareholders list (showing name of borrower/co-borrower)
Past 6 months saving bank statement (require both personal and business statement)
Value Added Tax certificate (Por.Por.30)

Collateral Related Documents

Copy of every pages of Title Deed at full size
Copy of Thor Dor 13, request of the property address, house construction permit

Sketch-map showing the location of the collateral
Copy of Loan Agreement with current Bank
Copy of Mortgage Agreement
Copy of latest repayment receipt

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Types of fees	The sum of money that is charged	Channels of paying the fee
Appraisal Fee. (Charged before or on the day of making a legal contract)	Waived	Cash,money transfer,Cheque or Direct Debit.
Duty stamp. (Charged before or on the day of making a legal contract)	0.05% of the loan amount.	Cash,money transfer,Cheque or Direct Debit.
Fire insurance. ( before or on the day of making a legal contract)	According to the rate of an insurance company.	Cash , money transfer,cheque,or Direct Debit(Bank will transfer premium collected to insurance company)
Early Termination fee (In case of closing the account from refinance within the first three years, counting from the day of making a legal contract)	3% of the outstanding loan amount.

1. What is Krungsri Home Refinance?

It is to allow a customer to transfer his/ her residence credit debt from other finance institutes to Bank of Ayudhya.

2. How much money will the bank give on loan for Krungsri Home Refinance?

Minimum loan size 1,000,000 baht.

- Single house, duplex house, town house, town home or condominium: the maximum loan size is 95 % of the appraised value.
- Commercial building: the maximum loan size is 90 % of the appraised value.

3.In case of redeeming a mortgage from a finance institute (re-finance), will the customer have to pay any expense? How much?

When the customer has redeemed the mortgage from a finance institute and request a loan from Bank of Ayudhya, he/ she will have to pay a normal fee of the bank.

Other queations
1. What is the longest duration of the loan?

The longest duration of the loan is 30 years (the borrower’s age plus the duration of the loan must be not more than 65 years old)

2. How many joint borrowers can there be? And who can be joint borrowers?

There can be only 3 joint borrowers at the most.(joint borrowers plus the main borrowers makes four borrowers) The joint borrowers must have a relation with the main borrower, for example, he/ she is husband, wife, brother or sister of the same parents or parents join their child in requesting a loan

3. What fees must the customer pay when he/ she requests a house credit from Bank of Ayudhya?

Primary expenses that the customer must pay are as follows:

- Fee for revenue stamp (charged before or on the day of making a legal contract) 0.05 % of the credited money will be charged.

- Fee for insurance premium according to the rate of an insurance company (charged when the building has been finished)

4. What documents will the customer have to prepare for his/ her application for a credit?

Documents for application for the customer for a credit are 3 important items as follows:

- Personal Documents. (Copy of ID, Copy of House Registration, etc.)
- Incomes Documents (Salary slip / salary confirmation letter, etc.)
- Collateral Related Documents (Copy of land title deed, Purchase agreement of property and installment agreement of down payment (if any), etc.The bank branch can check any of them above according to types of credit.

5. In what channels can the customer pay fees?

The customer can pay fees via the following channels of the bank: paying on the counter of the bank, paying by allowing his/ her Bank of Ayudhya deposit account to be automatically cut off, paying by means of ATM, paying by using the Internet Banking Service and paying by calling at Krungsri phone no. 1572.

Besides, the bank increases some more paying channels, that is, paying via a Counter Service and paying via a post office.

6. When a customer is interested in requesting a house credit of Bank of Ayudhya, where can he/ she contact the bank to request a loan?

He/ She can request a loan at every branch of Bank of Ayudhya throughout the country.

7. If the customer has a Krungsri home loan nowadays, will he/ she be able to request one more house credit?

The bank has the policy of giving a customer a residence credit for the first house and another residence credit for the second house only. Because the bank’s important objective is for residence.

8. If a customer wants more information about this matter, where can he/ she contact the bank?

He/ She can request more information by calling at Call Center 1572 24 hours.

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