Personal > Loans > Happy Home for Cash
Happy Home for Cash
 
Happy Home for Cash
 
     This lending product is for customers who have freehold properties, such as a detached house, twin house, townhouse, town home and condominium unit, and want to capitalize those properties to cash for decorating / extending / repairing your house, medication, traveling, paying loans and other proposes, as well as refinancing from the former bank, etc.
Product Features and Advantages
 
  • More financial freedom with easy loan approval to get cash quickly with Happy Home for Cash.

  • Lower interest rate than that of personal loan.

  • Granted loan amount of up to 10,000,000 baht.

  • Attractive loan interest with a variety of interest rates, and you can pay more than monthly payment amount without any additional expenses **  

 
Repayment Duration
 
  • Up to 30-year loan tenor or 65-year age of borrower, whichever is earlier.
 
Lending Objectives
 

Happy Home for Cash helps you increase financial freedom to answer all of your needs. This product suits for three customer groups as follows:

  • Current loan customers who need money but do not want to look for the new bank and prepare documents for a lending application.

  • Home loan customers having freehold properties and need a large amount of cash urgently with easy repayment conditions. 

  • Home refinancing customers who are looking for additional loan amount from the current debt in order to increase financial liquidity for paying living expenses, decorating or extending a house, or traveling.
 
Payment Channels
 
  • Direct repayment at any Land and Houses bank branches.

  • Counter payment of any branches of other banks, such as Siam Commercial Bank, Krung Thai Bank, Thanachart Bank and Kasikorn Bank.

  • Automatic transfer from a LH Bank’s savings account.

  • LH Bank M Choice (Mobile Banking Application).

 
Loan Amount
 
  • A granted loan amount is up to 80% of appraised value.A granted loan amount is up to 80% of appraised value.
 
Collateral
 
  • A house; for instance, a detached house, twin house, town home and condominium unit.
 
Interest Rate
 
  • From MRR - 0.50% to MRR + 1.00%

สินเชื่อบ้านรีไฟแนนซ์-2-(4).jpg

Remark :  **Except a case of refinance, a fee will be calculated as stipulated by the Bank.
          - LH Bank reserves the rights to approve loans and interest rate under its terms and conditions.


For more information,
Please contact our branches or
Call our Contact Center at 1327.

 
How to apply
 

Required Documents

Personal Details (Borrower, Co-borrower and Spouse)

1. A copy of identification card / civil servant card (of the borrower and the borrower’s spouse, if any) 
2. A copy of house registration record (of the borrower and the borrower’s spouse, if any)
3. A copy of marriage certificate, divorce certificate, death certificate (of the borrower’s spouse, if any), name/ surname change certificate (if any)

Income Evidence

 


Individuals with Salary-based Income
1. A salary certificate and salary slip
2. An updated 6-month bank statement (individual account)
3. Proofs of financial status / assets / vehicle registrations / title deeds (if any)
4. A copy of professional licenses (practical medicine, engineer, architect, attorney)
5. A withholding tax certificate (50 Bis) and personal income tax return form (P.N.D. 90/91) + tax payment receipt, or others
6. Professional certificates, such as a license to practice medicine (if any) 

Entrepreneurs
1. A copy of incorporation certificate  / trade registration certificate(not more than three months old)
2. A copy of shareholders certificate (not more than three months old)
3. A copy of memorandum and articles of association
4. A withholding tax form / personal income tax return form / value added tax return (P.P. 30) with receipts within the last 6 months (if any)
5. Receipts / invoices
6. An updated 6-month bank statement (individual account and corporate account)
7. An updated 3-year historical financial statements of the enterprise (starting from the present year)
8. Photographs of the business site (if any)
9. Proofs of financial status / assets / vehicle registrations / title deeds (if any)

Freelancers
1. An updated 12-month bank statement
2. A withholding tax certificate (50 Bis) or P.N.D. 1 K (within the last 6 months) + tax payment receipt 
3. A personal income tax return form (P.N.D. 90/91), or others
4. A copy of professional licenses, such as an auditing license
5. A copy of proof of other property ownership, such as a title deed, vehicle registration (if any)

Proof of collateral
1. A copy of collateral ownership documents, such as a title deed, condominium title deed.
2. Maps showing the locations of the collateral in brief
3. A previous loan agreement
4. A copy of mortgage agreement

 
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