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Look beyond the promotional years
Ask each bank for the rate in every promotional year and the reference rate and adjustment used afterwards. A floating rate can change; today’s calculated percentage is not fixed for the whole term. Compare total payments and remaining principal at the same date. A smaller instalment may simply reflect a longer repayment period.
Include fees and insurance
Check valuation charges, loan-related registration expenses and conditions for early repayment or refinancing with another bank. Establish who pays each charge and when an offer expires. If the bank offers packages with and without loan-protection life insurance, obtain both quotations. Compare the premium, rate difference and cover. A premium added to the loan also attracts interest. Building fire insurance and loan-protection life insurance serve different purposes.
Use your own holding plan
If you expect to sell within a few years, examine the outstanding balance and applicable exit charges at that point. If you plan to keep the home, consider the payments after the promotion ends. Ask the banks to calculate on identical assumptions and explain which amounts can change. Before signing, check that the final documents match the terms you compared.
For the next step, read: How Much Cash Will You Need Alongside a Home Loan?
Sources checked on 4 November 2026: Kasikornbank home-loan eligibility and cost information
For focused next steps, read Confirm Bank Loan Disbursement Before Handover and Calculate Rental Cash After Bank Loan Payments.
Ownership, tax and visa rules change and individual situations differ. This is general information, not legal advice — confirm with a qualified professional before acting.
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