Advance Finance

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Mortgage Loan

Secured Personal Loan

Mortgage Loan

Features

Our long-term housing loan will help make your dream of having a home come true with low interest rates, high amount of credit line, long-term installment and convenient payment schedule

Purpose of Loan

	To purchase single-detached house, semi-detached house, townhouse, and commercial building
	To purchase condominium
	To purchase allotted land for construction of residential unit
	To construct residential unit on owned property
	To refinance outstanding debt from other financial institutions

Maximum Loan, Loan Term, and Interest Rates

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Collateral

Mortgage registration of land and building or ownership right in condominium (together with registration table of contents) to be acquired/released from other financial institution

Qualifications

	Thai national
	Age more than 21 years old
	Copy of evidence presenting a stable and secure job
	An applicant must be eligible to legally conduct a legal act

Conditions

	The age of applicants, when added to the duration of the loan repayment, must not exceed 65 years
	Credit line is not less than 500,000.- Baht/ applicant
	Equal monthly install repayment
	Collateral is located within Bangkok or peripheral areas.
	Fire insurance having AF as a sole beneficiary

Payment Methods

	Payment in cheque or cash
	Payment through bank accounts

Fees/ Expenses

Loan Interest Rate / Fees and Expenses

Documents required

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Credit Line, Loan Term and Interest Rates
Consider by type of collateral as follows:

Type of Collateral

Maximum Loan

Loan Term

Interest Rates

Single-detached house, semi-detached house, townhouse, condominium, and commercial building

	Must not exceed 90% of appraisal value for unit < 10,000,000.- Baht
	Must not exceed 70% of appraisal value for unit >= 10,000,000.- Baht

Maximum 30 years

Yr. 1 :HLR - 1.5 % p.a.
thereafter HLR - 1.0 % p.a.

Type of Collateral

Maximum Loan

Loan Term

Interest Rates

Allotted land

	Must not exceed 80% of appraisal value for unit < 10,000,000.- Baht
	Must not exceed 70% of appraisal value for unit >= 10,000,000.- Baht

Maximum 30 years

Yr. 1 :HLR -1.5 % p.a.
thereafter HLR - 1.0% p.a.

Type of Collateral

Maximum Loan

Loan Term

Interest Rates

Construction of home on owned property

Initial Documents Required for Approval

Borrower's document

1.	Copy of identification card
2.	Copy of house registration
3.	Copy of marriage certificate
4.	Copy of name-changed registration (if any)

Financial document

1.	Bank statements/ copy of statement of a saving account and others (showing at least last six-month's history, as of the application date)
2.	Employment Income Verification Payroll slip
3.	Self- Employed Latest Company Affidavit Certification of Trading Registration Memorandum of Association Latest Shareholders' Structure Copy of Tax Payment Audited Financial Statements

Collateral document

	Purchase Agreement Copy of title deed (s) Copy to receipt of down payment Map of collateral
	Construction of home on owned property Plan Layout Perspective Copy of Contracting Contract Construction Permit / License
	Refinance Verification of payment history on previous mortgage not exceed 6 months Copy of Loan Agreement (if any) Copy of Mortgage Agreement (if any)