Introducing good loans from GH Bank, Government Housing Bank for government officials Government personnel who want to have their own home. Update for 2023/2023. The bank is organizing a good project called the Housing Loan Project for Government Personnel in 2023. Today Thaiger will bring you an update on that. When can I apply for a loan? What documents are required? Is the interest rate expensive?
Housing loan project for government personnel in 2023 of GH Bank, Government Housing Bank. Helping government officials who want to own a house
Loan period Civil servant home loans Loan applications can be submitted from January 2, 2023 to December 30, 2023 and the approval period is set. and complete the legal action within January 31, 2024 (The bank reserves the right to determine the project termination period before the deadline. If the bank has already granted credit to the full credit limit of the project)
Purpose of loan application Trust housing for government personnel
(1) To purchase land with buildings or condominiums.
(2) To build a building or to buy land and build a building
(3) To redeem the mortgage of land and buildings. or apartments from other financial institutions
(4) To redeem the mortgage of vacant land from another financial institution and construct a building.
(5) To redeem the mortgage of land and buildings from another financial institution. and construct a building or add on or expand or repair a building
(6) To add or expand or repair a building.
(7) To pay off debts related to housing.
(8) To purchase equipment or related facilities for the benefit of living.
(9) To pay the premium for Mortgage Protection Insurance (MRTA) along with applying for a loan for the main purpose.
Note: The definition of the word “building” refers to single-detached houses, semi-detached houses, townhouses, and commercial buildings. for housing Except for rented houses and flats.
Loan amount/installment period
The credit limit is in accordance with the retail loan regulations.
The repayment period must not be less than 3 years and not more than 40 years, and the borrower’s age combined with the number of years applying for the loan must not exceed 70 years, except for judicial officials, prosecutors, or others with a retirement age of more than 60 years. The borrower’s age will be used when combined. and the period for which the loan is requested must not exceed 75 years.
Interest rates/fees for housing loans for government personnel 2023
interest rate
(1) Purpose for housing/payment of mortgage protection insurance premiums (MRTA)
- Year 1 = MRR-3.65% per year
- Year 2 = MRR-3.40% per year
- Year 3 = MRR-2.90% per year
- Year 4 – Year 5 = MRR-2.00% per year
- Year 6 until the entire contract period = MRR-1.00% per year
- Except for debt repayment/equipment purchases = MRR
Effective Interest Rate (EIR)
– In the case of welfare customers = 5.111%
– In the case of paying off debt/purchasing equipment = 5.921%
(2) In the case of requesting a loan to purchase equipment, etc. Along with requesting a loan for the main purpose, the loan will be paid in installments according to construction results. Equipment purchase account Use the interest rate on the loan.
Year 1 until the entire contract period = MRR
note :
- MRR according to the bank announcement
- Effective Interest Rate (Effective Interest Rate) EIR
The effective interest rate stated is only an example calculated according to the conditions used in this edition. This may vary according to each customer’s loan conditions. Calculated from the assumption of a loan amount of 1 million baht, loan period of 20 years, installment payments according to the product annuity.
fee
Borrowers are entitled to free fees as follows: Collateral appraisal fee (1,900 – 3,100 baht)
Qualifications/documents used for application
Be a government official government employee university staff State enterprise employees Government employees/officials with other names and regular employees who are eligible to apply for a loan according to the definition in the welfare project agreement for a housing loan with no deposit type At a government agency or state enterprise agencies or an independent agency according to the constitution or public organization or local government organization or other independent organizations under the supervision of the state or established by specific law or established according to government policy has signed with the bank
personal documents
- Identification card / Government official card
- Homeowner’s house registration
- Marriage certificate / divorce certificate / death certificate (if any)
- Name-surname change certificate (if any)
financial documents
- Welfare entitlement letter/salary certificate
- Salary slip or evidence of salary receipt for the past 3 months
- Copy of deposit account for the past 6 months
Collateral documents
- Copy of purchase and sale contract / deposit contract / housing rental contract and balance certificate (in case of purchase)
- Proof of home ownership such as a copy of the application form and house number.
- Copy of the Land Office sales contract (Tor Tor. 13 or Or. Chor. 23)
- A copy of the land sales contract from the Land Department
- Copy of land title deed / Ms. 3 Kor. / condominium ownership document (A.C.2), every page.
- Building/Addition Permit
- Plan
- Construction estimate / construction contract
- Other (if any)
Note ** The bank reserves the right to request additional documents from borrowers. For use in considering granting bank loans**
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