Refinance loan to increase credit limit.

Tired? with house interest rates that are too high

Refinance loan to increase credit limit.

Are you currently paying off a mortgage in Thailand? Looking for ways to reduce your interest burden or need new financing? DD Capital Consoler offers the right and convenient solution with our refinance loan to increase your credit limit, specifically for Thais living abroad.

**Current interest rate 4.5% (first 3 years)**

Highlights

Refinance to increase your loan amount and reduce your interest burden: Get a lower interest rate, make payments more manageable, and lower your long-term costs.
Increase your liquidity: Get a large sum of money and use it for various purposes, such as investing, renovating your home, or personal expenses.
Extend the repayment period: Pay over a longer period and reduce your monthly payment burden.
We can accommodate single houses, semi-detached houses, townhouses, shophouses, condominiums, and apartments in every province throughout Thailand.

Loan Amount, Repayment Period, and Interest Rate

Starting interest rate of 2.8% per annum. Easy and worry-free repayments.
Maximum loan amount of 70%-100% of the appraised value.
Maximum loan amount not exceeding 50 million baht (15-30 million baht for provincial areas).
Comfortable repayment period of up to 3-30 years, with the borrower’s age plus repayment period not exceeding 70 years.
Borrow only what you need and can afford to repay. Interest rates are between 2.8%-7.3% per annum throughout the loan term.
Interest rates may vary depending on each customer’s individual circumstances. And may change, increasing or decreasing, as announced by the bank.

Are you tired of excessively high mortgage interest rates?

Why choose us? DD Capital Consolidation

We have two leading banks in Thailand (out of three) as partner banks to help make the dream of owning a home for Thais living abroad come true.

Supports all professions and countries worldwide
No need to fly back to Thailand to apply for a loan
No processing fees before approval
Fast approval, averaging 30 business days (if documents are correct and complete)
High approval chance of over 95%
Loan amount up to 100%
Loan amount from 500,000 baht to 50 million baht
Borrow only what you need and can afford to repay. Interest rates are between 4.5%-7.15% per annum throughout the loan term.
Interest rate reduction can be applied for every 3 years without refinancing. (Requires timely payment of all installments for at least 3 consecutive years)
Pay 64% less total interest than other lenders
Pay off the loan earlier, in approximately 6-9 years, or in just 255-281 installments out of 360 (30-year contract)
Income from spouses of foreign nationals is accepted (equality program available)

Loan consultations are available every day, Monday-Sunday, 8:30 AM – 8:00 PM Thai time.

The table shows the monthly installment amount and lower interest payments.

Credit Limit (Bath)	1 Million	3 Million	5 Million	10 Million
Installment (Bath) via DD capital*
Year 1-3	5,070	15,200	25,340	50,670
Year 4 and abow	6,380	19,130	31,880	63,760
Installment that has been paid off	281	259	256	255
Installment (Baht) Through Others**
Year 1-3	4,775	14,330	23,870	47,750
Year 4 and abow	6,320	18,950	31,580	63,160
Installment that has been paid off	360	360	360	360
Pay all interest
Via DDcapital	741,557	1,795,804	2,911,860	5,762,906
Through others	1,215,826	3,652,347	6,091,806	12,181,654
Others pay more	474,269	1,856,543	3,179,946	6,418,748
% differnce	-64%	-103%	-109%	-111%
repayment
ViaDDcapital	1,741,557	4,795,804	7,911,860	15,762,906
Through others	2,215,826	6,652,347	11,091,806	22,181,654

Remarks

– The repayment period used for comparison is 30 years.

– Repayment periods range from 3 to 30 years.

– The above interest rates are subject to change according to the bank’s announcements and may vary based on individual customer conditions.

Applying through DD Capital*

Key Terms

– The interest rate for years 1-3 is 4.5%, and a floating interest rate applies from year 4 onwards.

– From year 4 onwards, you can request an interest rate reduction every 3 years without refinancing (requires consecutive on-time payments for 3 years).

– For example, if the floating rate in year 4 is 6.75%, you can request a reduction to 4.5% for years 4-6, and continue requesting reductions every 3 years.

– If the principal balance falls below 1 million THB, the interest rate will adjust to the bank’s announced floating rate, and further rate reduction requests cannot be made.

Summary

– Pay off your mortgage 8-9 years faster.

– Pay less than half the total interest compared to other providers.

* Depends on the approved loan amount and interest rate.

* Maximum interest rate is based on the MRR (e.g., 7.95% per annum in this example).

Applying through other providers**

Key Terms

– The interest rate for years 1-3 is 4.0%.

– From year 4 onwards, the rate is 6.7%.

– Pay more than double the interest compared to applying through DD Capital.

– Pay off the mortgage according to the standard full contract term.

Qualifications and application documents

Loan applicant qualifications.

Thai nationality
Age between 21 and 70 years old
Minimum monthly income of 57,000 THB (before taxes and deductions)
Minimum employment period of 6 months (probation passed)

Co-borrower
(Of there is a case where the loan amount excoods 70%)

Thai nationality
Age between 21 and 72 years old
No income or employment required
Must be an immediate family member (father, mother, spouse, child, or sibling)

Identity verification documents

Application form with personal credit report (2 copies)
Copy of National ID card
Copy of Thai House Registration (Tabien Baan)
Copy of Marriage Certificate (if applicable)
Copy of Name/Surname Change Certificate (if applicable)

Income verification documents

Latest payslips for the past 6 months
Bank statements showing salary deposits for the past 6 months
Tax return statement for the past 1 year
Pension fund statement or savings account statement (if applicable)

Collateral Documents

Agreement to Sell and Purchase (signed by buyer and seller)
Copy of the Title Deed (all pages, front and back)
In case of refinancing from another financial institution
- Land Sale Contract (Official form: Tor. Dor. 13)
- Loan agreement and mortgage contract from the previous financial institution
- Proof of continuous repayment for the past 12 months from the previous financial institution
In case of home construction
- Construction permit
- Approved construction plans and Bill of Quantities (BOQ) / materials list
- Construction contract or quotation from the contractor
- Land Sale Contract (if borrowing to purchase land)

Bank Expense Estimate

Appraisal fee of approximately 3,210 THB
Stamp duty of 0.05% of the loan amount
Fire insurance premium (varies based on the appraised collateral value)
Mortgage registration fee at the Land Department (1% of the loan amount)
* Under government measures, the property transfer and mortgage registration fee is reduced to 0.01% for mortgage amounts not exceeding 7 million THB per contract, valid until December 31, 2024.
Credit Life Insurance / MRTA (installments payable with the bank)

Loan processing fee

Loan processing fee: 2.5% of the loan amount or up to a maximum of 95,000 THB (for properties valued under 10,000,000 THB); and 1.5% of the loan amount or up to a maximum of 200,000 THB (for properties valued at 10,000,000 THB and above).
The processing fee is only collected after your loan has been officially approved. Rest assured, you will not lose any money if the loan is not approved.
National Credit Bureau (NCB) check fee for pre-approval: 500 THB per person.
Document translation fees are charged at actual cost (if applicable). For example, hiring a government-licensed translation agency to translate multiple pages into Thai with certified stamps typically costs around 4,000 – 5,000 THB per applicant.