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Benefits

Get saving accounts and/or Mortgage Link credit cards for up to 5 accounts

Mortgage Link is a brand new mortgage where you can link saving accounts and/or Mortgage Link credit cards for you or your family members into the Mortgage Link program for up to 5 accounts. Apart from the interest from your normal savings account and/or getting points from your Mortgage Link credit card usage, you and your family will get special bonus from your saving account at 0.5% per annum and/or maximum of 0.5% of your monthly Mortgage Link credit card usage that can be used in the Mortgage Link program. Every account will have its confidentiality preserved.

Family Network

Mortgage Link opens up an opportunity for everyone in the family e.g. father, mother, husband, wife, child, or siblings to join the program. Each will receive a special bonus apart from the usual interest or points earned for reducing the mortgage. Moreover Mortgage Link lets everyone independently manages their own accounts without the burden of a mortgage imposed on them.

Save on mortgage interest

From the special bonus you get for reducing the mortgage, you instantly save on your mortgage interest payments.

Eliminate mortgage obligations faster

Special bonus for mortgage reduction helps you decrease your loan tenure and therefore eliminate your obligations faster.

Benefits of Mortgage Link Program

Bonus from Saving Account and Bonus Calculation

Bonus from Saving Account

Bonus from saving account

  1. Bonus from savings accounts is calculated from the average monthly saving, not in excess of 1,000,000 THB in balance, of the top 5 accounts
  2. Bonus that you will receive is equivalent to 0.5%, not including normal savings accounts interest, until the end of the tenure
  3. Table for bonus calculation: 2,000,000 THB loan principle, 30-year tenure, average floating mortgage interest of 6.40%, and average saving of 50,000 THB from 5 accounts

Bonus calculation

Note:

  1. The attributes of those eligible to receive a special bonus from savings accounts require that they have the same surname, or are in or related to the family that the bank can verify
  2. Calculations of the special bonus from savings accounts are based on the average monthly balance in the saving accounts that are in the program. The bank will calculate a bonus of 0.5% per annum until the end of the tenure, conditional to changes by Bank Announcements
  3. Average balance of the accounts that are used in the calculation of the bonus will not be in excess of 1,000,000 THB in the top 5 accounts. The bonus may be transferred into mortgage account to reduce the principle loan for the next month
  4. The special bonus that is used to reduce the monthly interest repayment will not exceed the interest payment in that month. In the case that the bonus exceeds the repayment the excess will not be used to reduce the loan principle
  5. The bank reserve the right to change the terms and conditions of the program

Bonus from the Mortgage Link Credit Card and the Bonus Calculation

Bonus from Mortgage Link Credit Card

Bonus from saving account

  1. Bonus from the Mortgage Link credit card will be calculated from the usage amount of the top 5 Mortgage Link credit card accounts
  2. Special bonus received will be equivalent to 0.5% per month, not including points collection, until the end of the tenure term
  3. Table for bonus calculation: 2,000,000 THB loan principle, 30-year tenure, average floating mortgage interest of 6.40%, and average usage of 10,000 THB per month from 5 credit cards

Bonus calculation

Note:

  1. The attributes of those eligible to receive a special bonus from savings accounts require that they have the same surname, or are in, or related to the family that the bank can verify
  2. Calculation of the special bonus from Mortgage Link credit cards are based on the average monthly usage of the credit cards that are in the program. The bank will calculate bonus of 0.5% per annum until the end of the tenure, conditional to changes by Bank Announcements
  3. Bonus will be calculated from usage of credit cards at the end of the month and will be transferred to the mortgage account to reduce the loan principle next month Usage balance on credit cards used in the calculation does not include cash withdrawals, fines, fees, and any interest payments
  4. Usage of the Mortgage Link credit card will not exceed the limit on the card given by the bank
  5. The maximum amount of credit cards per one Mortgage Link account is 5 cards
  6. Points collected from Mortgage Link credit card usage equals 1 point for every 25 baht spent, which may change according to Bank Announcements
  7. The bank reserve the right to give a bonus to customers who have a good record of payment and without any delinquent history
  8. Bonus points calculated from the Mortgage Link credit card usage will not be related to normal point collection schemes or any benefits from normal Mortgage Link credit card usage
  9. The bank reserve the right to change the terms and conditions of the program

Contacts for Mortgage Link Program

Contacts for Mortgage Link Program

FAQs

    • Does my family or I receive any benefit when we apply for the Mortgage Link program?

      You and your family will receive benefits from Mortgage Link program because everyone will receive a special bonus from savings in the savings accounts and/or Mortgage Link credit card usage, leading to maximum benefits from savings and/or Mortgage Link credit card usage.

    • How will the special bonus from saving accounts and/or Mortgage Link credit cards help me with my home loan?

      It is easy to receive a bonus from the Mortgage Link program and benefits from it. You only have to open saving account(s) and/or apply for the Mortgage Link credit card(s) and you will receive 0.5% bonus based on the average monthly balance in your saving accounts and 0.5% bonus from the total usage of Mortgage Link credit cards for reduction in the loan principle in your mortgage loan.

    • How can Mortgage Link benefit me if I only have small savings and/or little usage on my Mortgage Link credit card?

      Mortgage Link does not only cover you but also your family's saving accounts and/or your family Mortgage Link credit card usage. Every account in the program will receive 0.5% bonus per annum based on the average monthly balance, plus spending through Mortgage Link credit cards by your family members will receive 0.5% bonus towards reducing your home loan.

    • When we joined Mortgage Link program, does that mean everyone's savings will be merged together? Can anyone see the details of each other?

      No. Every account is independent of each other and has its own confidentiality and privacy. Furthermore the monthly repayment statement will only show the accumulated bonus from every account that will be used to reduce your home loan.

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