Personal > Loans > Refinance
Housing Loan Refinance
         Refinance your home loan with LH Bank, you can pay off your existing home loan from other financial institutions and enjoy additional credit line for home renovation & decoration, purchase of furniture or multi-purpose loan with special conditions available for you to use at your choice.
Service Features
  • Maximum credit limit up to 100% of the outstanding balance from existing financial institution, but not exceed the appraisal value of collateral*
  • Satisfied interest rate: a wide variety of interest rates is available for you to choose from and overpayment of installment is available without any further charges**
Repayment Period
  • Maximum repayment period of 35 years (Applicant’s age must not exceed 65 years.)
Repayment Channels
  • Repay directly at all branches of Land and Houses Bank PCL
  • Repay at the counter of other banks such as Siam Commercial Bank, Krung Thai Bank, Thanachart Bank and Kasikorn Bank.
  • Repay through the bank’s automatic transfer service (ATS)
  • Repay through the bank’s mobile banking application, “LH Bank M Choice”
Type of Fees Fee Rate

 Appraisal Fee

 2,500 baht (excluding VAT), only in Bangkok and its vicinity, excluding vehicle expense (if any)

 Duty Stamp

 0.05% of approved credit line

 Fire Insurance Premium

 According to the rate of an insurance company.

 Early Termination Fee within the first three years (in case of closing accounts for refinance)

 3% of current outstanding balance


Remarks :

* Terms and conditions are in accordance with the announcements and regulations set by the bank.

**Except when early termination for refinance to another financial institution, fees are charged according to the conditions set by the bank.

Buying insurance products via the bank does not affect loan approval. In case customers show the intent to buy insurance products via the bank, they can buy insurance products of the bank or from other insurance companies.


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

1. บมจ.ชับบ์ สามัคคีประกันภัย           
2. บมจ.สินมั่นคงประกันภัย      
3. บมจ. จรัญประกันภัย
4. บมจ.ทิพยประกันภัย                         
5. บมจ.กรุงไทยพานิชประกันภัย          
6. บมจ. วิริยะประกันภัย


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)


  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. An updated 6-month bank statement (individual account and corporate account)
  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)

Proof of collateral

  1. สำเนาเอกสารแสดงกรรมสิทธิ์หลักประกัน เช่น โฉนดที่ดิน หนังสือกรรมสิทธิ์ ห้องชุด
  2. หนังสือแสดงกรรมสิทธิ์สิ่งปลูกสร้าง เช่น สำเนาหนังสือสัญญาขายที่ดิน (ท.ด.13) หนังสือให้ที่ดิน (ท.ด.14)
  3. แผนที่ตั้งหลักประกันโดยสังเขป
  4. สำเนาสัญญากู้เงินกับสถาบันการเงินเดิม (ทุกบัญชี/ วงเงิน)
  5. สำเนาหนังสือสัญญาจำนองที่ดิน (ทุกฉบับ)
  6. สำเนาใบเสร็จเงินกู้เดือนล่าสุด (ทุกบัญชี/ วงเงิน)
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