Borrow against your home or land
Turn the value in property you own into a loan, with a clear view of how it is decided.
Your property is the security for the loan
You offer a property you own, such as a house, townhouse, condo or land, as security. The lender appraises it, checks any mortgage already on it, and checks your income and debts. The amount offered is a share of the appraised value, not the full value, and can be lower once existing debt is paid off.
- You keep living in or using the property while you repay
- If instalments are not paid, the lender can enforce its security
- Borrow only what you can repay
Four steps to an offer
Tell us about the property
Type, area, who owns it, and any mortgage on it.
Gather documents
Title deed, ID, income proof and loan statements.
Appraisal and review
The lender values the property and reviews your case.
Offer and signing
If offered, compare the terms and sign at the land office.
What to have ready
Typical lists only; lenders and products differ. Happy Home confirms your list with the lender you choose.
The property
Documents about what you offer as security.
- Title deed (copy)
- House registration of the property
- Current mortgage statement, if any
You
Identity and proof of income.
- Thai ID card and your house registration
- Salary slips or business income proof
- Bank statements for the period the lender asks
Ready to plan your loan?
Happy Home prepares and submits your application; approval, the amount, the interest rate and the terms are decided by the lender alone.
Loan enquiry - HHEC Loans
Loans site: what you need, property and how to reach you