Home to Cash

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Collateral, Interest & Credit line

Home to cash calculator : Estimate your loan & payment

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Note :

  • Assessment of borrower’s debt servicing ability is preliminary. Loan approval is subject to KBank’s terms and conditions.
  • Calculation of loan and monthly installment payment is based on the lowest interest rate for Home Loan Refinance.

"Home to Cash" application process

Submit all required documentsand get pre-approval

Submit all required
documentsand get
pre-approval

Appraise collateral

Appraise collateral

Inform customer of final loan approval

Inform customer of final
loan approval

Make appointment for mortgage redemption with former financial institution

Make appointment for
mortgage redemption with
former financial institution

Register the mortgage and sign the contract at Land Office.

Register the mortgage
and sign the contract at
Land Office.

Eligibility & Requirement

  • Borrower’s qualifications
  • Document Required
  • Fees / Expenses

Borrower’s qualifications

Document Required

Fees / Expenses

Salary earners Self-Employed Freelancer

Borrower’s qualifications

  • Thai nationality, aged between 20-70 years old
  • The number of co-borrowers must not exceed three, and they must be the principal borrower’s relatives by law (except for unregistered marriage)
  • For an individual borrower, their net income must not be less than 15,000 Baht/month.
  • For co-borrowers, the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
  • The minimum employment period is six months (for both previous and present employments, including probation period).

Document Required

  • Loan application form Download Form
  • Copy of national ID card or civil servant card of the borrower, co-borrowers and spouse
  • Copy of house registration (all pages)
  • Letter of consent that has been completely filled out by the borrower and co-borrower(s)
  • Marriage certificate of the principal borrower and co-borrowers (if any)
  • For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
  • Certificate of name-surname change (if any)

Financial documents

  • Original copy of latest month pay slip or salary confirmation letter from employer updated within last 3 months or bonus slip (if any)
  • Regarding additional income from other sources, customer must submit a bank statement for the past 6 months

Collateral documents

  • Copy of title deed / Nor Sor 3 / Nor Sor 3 Gor or Certificate of Ownership with abstract of title (all pages)

Fees / Expenses

The fee for the collateral appraisal conducted by Progress Appraisal Company or a Bank-approved appraisal company or one of its branches is 3,000 baht (inclusive of VAT)

Borrower’s qualifications

  • Thai nationality, aged between 20-70 years old
  • The number of co-borrowers must not exceed three, and they must be the principal borrower’s relatives by law (except for unregistered marriage)
  • For an individual borrower, their net income must not be less than 15,000 Baht/month.
  • For co-borrowers, the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
  • Minimum of 1 years in operating the business

Document Required

  • Loan application form Download Form
  • Copy of national ID card or civil servant card of the borrower, co-borrowers and spouse
  • Copy of house registration (all pages)
  • Letter of consent that has been completely filled out by the borrower and co-borrower(s)
  • Marriage certificate of the principal borrower and co-borrowers (if any)
  • For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
  • Certificate of name-surname change (if any)

Financial documents

  • Statement of savings account, covering the past six months (personal or business statement)
  • Financial documents for additional income from other sources.

Collateral documents

  • Copy of title deed / Nor Sor 3 / Nor Sor 3 Gor or Certificate of Ownership with abstract of title (all pages)

Fees / Expenses

The fee for the collateral appraisal conducted by Progress Appraisal Company or a Bank-approved appraisal company or one of its branches is 3,000 baht (inclusive of VAT)

Borrower’s qualifications

  • Thai nationality, aged between 20-70 years old
  • The number of co-borrowers must not exceed three, and they must be the principal borrower’s relatives by law (except for unregistered marriage)
  • For an individual borrower, their net income must not be less than 15,000 Baht/month.
  • For co-borrowers, the combined income of both the principal borrower and co-borrower(s) must not be less than 15,000 Baht/month.
  • Minimum of 1 years in operating the business

Document Required

  • Loan application form Download Form
  • Copy of national ID card or civil servant card of the borrower, co-borrowers and spouse
  • Copy of house registration (all pages)
  • Letter of consent that has been completely filled out by the borrower and co-borrower(s)
  • Marriage certificate of the principal borrower and co-borrowers (if any)
  • For unregistered marriages – document for proof of marriage / House registration / Child’s birth certificate
  • Certificate of name-surname change (if any)

Financial documents

  • Statement of savings account covering the past six months or Withholding Tax Certificate (50 bis) covering at least the past six months
  • Financial documents for additional income from other sources.

Collateral documents

  • Copy of title deed / Nor Sor 3 / Nor Sor 3 Gor or Certificate of Ownership with abstract of title (all pages)

Fees / Expenses

The fee for the collateral appraisal conducted by Progress Appraisal Company or a Bank-approved appraisal company or one of its branches is 3,000 baht (inclusive of VAT)

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FAQ

Conditions Product information Interest rates Others
Which types of collateral can be used for apply Home to Cash?

Detached house with land, townhouse, commercial building, condominium or vacant land (Only fixed income earner).

If I have a home under a mortgage plan of the same features as those of Home to Cash with another financial institution, can I switch to Home to Cash?

Yes, you can. The loan must be of the same type as Home to Cash. It must be categorized as a personal loan that requires your own home as collateral.

Can foreigners apply for Home to Cash?

Yes, if they own a house and submit the required documents.

Can pensioned/retired government officials apply for Home to Cash?

Can pensioned/retired government officials apply for Home to Cash?

  • Condition: Borrowers must not be more than 70 years old.
  • Documents required:
    1. Pension payment document
    2. A valid statement that covers the past six months.
If I do not own a house, can I apply for Home to Cash?

If you are not the homeowner, you must have a family relationship with the homeowner, such as parent, child, sibling or spouse.

Can I apply for Home to Cash if I have already had K-Home Loan with KBank?

Yes. To approve a loan, KBank considers several factors including the potential borrower’s qualifications, their debt servicing ability and collateral against loan.

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What is Home to Cash?

Home to Cash features a personal loan offered to borrowers who are required to use a lien-free (debt-free) home as collateral against the requested loan or O/D line of credit or both. If the borrower is not the homeowner, they must have a family relationship with the homeowner, such as parent, child, sibling or spouse. This type of loan offers liquidity to borrowers who want to clear their debt burden or need emergency cash, or for payment of expenses as needed.

What documents are required if I want to apply for Home to Cash?

Please see Document Required

What is the maximum credit limit offered for Home to Cash?

The amount of loan or O/D line of credit, or the credit limit of both loan and O/D must not exceed 90 percent of appraised value. Loan amount offered is not more than 20 million Baht, and O/D limit is 5 million Baht.

What is the maximum loan term for Home to Cash?

The maximum loan term is 30 years. Your age when combined with loan term must not exceed 70 years. This means that if you are now 40 years old, you can make repayment for up to 30 years. If you are 45 years old, your maximum repayment period is 25 years.

What expenses do I have to pay when applying for Home to Cash?

The expenses included as follows:

  1. Appraisal fee to Progress Appraisal Co., Ltd. or another Bank-approved appraisal company or a branch for a sum of 3,000 Baht (inclusive of VAT)
  2. Mortgage registration fee is equal to 1 percent of loan amount
  3. Stamp duty at 0.05 percent of loan amount
  4. Fire insurance fee (based on the rate charged by the insurance company).
What is the minimum loan amount offered by KBank?

The minimum loan amount is 100,000 Baht.

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What are the interest rates?

You can learn more about the available interest rates at "Home to Cash Interest Rates"

Does the Effective Interest Rate (EIR) apply to this loan?

Yes. EIR applies to Home to Cash, based on the remaining amount of debt burden. Your debt paid includes principal and interest amount. EIR calculation involves reduction of principal and interest payment. Loan repayment in each installment comprises principal amount and interest. After payment is made, the principal amount will be reduced based on the amount paid. Meanwhile, your interest amount will also be reduced based on the principal amount paid. The more the principal payment is reduced, the more the interest amount is reduced.

Which channels can I use to make installment payments?

You can make installment payments at the counter of any KBank branch, or via the K PLUS mobile application. Find out more: https://www.kasikornbank.com/th/personal/digital-banking/kplus/functions/loan/Pages/check-loan.html

How do I learn the status of my application?

You can follow up on your application’s status by contacting the officer who is handling your case, or call the K-Contact Center at 02-8888888

Can I settle the loan / redeem my collateral / pay more than the installment due?

Borrowers can make as large an installment payment as they want and settle all of their loans before the due date, or redeem their collateral, without having to pay any fee.

Branches and Service

Channels Locate Us

Individual K-Contact Center

02-8888888 ext 887
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