GSB First Home Loan: Low Installment from 2,500 Baht/Month. Apply by Sep 30, 2026.

MGR Online•Economy•3d ago

Reader Briefing

Government Savings Bank (GSB) is offering a special first home loan with a low initial monthly installment of 2,500 Baht per million Baht for the first year, available until September 30, 2026.

•Government Savings Bank (GSB) is launching a 'First Home Loan' promotion.
•The loan features low monthly installments starting at 2,500 Baht per million Baht for the first year.
•The promotion is available for applications from April 1, 2026, to September 30, 2026.

Overview

•Application period for the 'First Home Loan' is from April 1, 2026 to September 30, 2026, in order to provide access to home ownership.
•Loan approval and contract signing must be completed by October 30, 2026, as a procedural requirement.
•The interest rate for the first 4 months is a fixed 1.99% per year, leading to initial affordability.
•The average interest rate for the first 3 years is 2.99% per year, offering a predictable cost.
•Monthly installments for the first year are as low as 2,500 Baht per million Baht, making it accessible.
•GSB will subsidize appraisal fees up to 5,000 Baht for loan amounts of 1 million Baht or more, reducing upfront costs.
•The current MRR is 6.045% (as of March 2, 2026), meaning the promotional rates are significantly lower.
•Borrowers who prepay within 3 years of the loan agreement to refinance with another institution will incur a 3.00% fee, in order to recover bank costs.

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Key Entities

Organization

Government Savings Bank (GSB)(ออมสิน)ℹ️

The banking institution offering the 'First Home Loan' promotion.

Policy

First Home Loan(สินเชื่อบ้านหลังแรก)

A promotional loan product offered by GSB for first-time homebuyers.

Timeline

April 1, 2026(1 เม.ย. 69)

The start date for applications for the 'First Home Loan' promotion.

September 30, 2026(30 ก.ย. 69)

The end date for applications for the 'First Home Loan' promotion.

October 30, 2026(30 ต.ค. 69)

The deadline for approval and contract signing for the 'First Home Loan'.

March 2, 2026(2 มีนาคม 2026)

The effective date for the current MRR rate.