Hidden Deal for Social Security Members — 1.59% Fixed Home Loan for 5 Years

#HiddenDeal for Social Security Members —

A benefit few people even know exists:
home loans at just 1.59% fixed interest for 5 years!
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If you’re a salaried employee
who’s been paying into Thailand’s Social Security Fund
for over 3 years — maybe even 10 —
you might not realize there’s a secret perk waiting for you.
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It’s a special low-interest home loan
through the Social Security Office (SSO)
— often called the housing loan for insured members.
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Why?
Because paying into social security for more than 36 months
means you’re a consistent contributor
under Section 33, 39, or 40 —
someone the government considers financially stable enough
to handle a mortgage.
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The rates are far lower than the market average
(which usually starts around 3–4% per year).
The project partners mainly with
the Government Housing Bank (GHB)
and sometimes other participating banks.
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Typically, the promotional rate starts in the low 3% range,
then gradually adjusts based on policy changes.
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📌 Interest Rate Program for Insured Members (2024)
Years 1–5: Fixed at 1.59% per year
– Doesn’t change, not tied to MRR.
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Years 6–8: Becomes MRR – 2.00%
– Example: If MRR = 6.545% → Actual rate = 4.545% p.a.
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Year 9 onward: MRR – 0.50%
– Example: 6.545% → Actual 6.045% p.a.
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🔍 Example EIR: Borrow ฿1,000,000 for 20 years → EIR ≈ 3.519%
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✅ Years 1–5 offer one of the lowest fixed rates in the market.
✅ After the special period, rates float — plan early for refinancing or debt restructuring.
✅ Max loan per project: up to ฿2 million.
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Other Key Details:
✅ Loan amount: ฿1–2 million (some projects allow more)
✅ Tenor: up to 30 years
✅ Many banks waive standard processing fees
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🏦 How to Apply

1️⃣ Download the SSO Plus app and register.
2️⃣ Request a certificate from the Social Security Office (takes 1–2 business days).
3️⃣ Submit the certificate to the partnering bank.
4️⃣ Pass normal credit checks —
they still assess income, debts, and credit bureau history.
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⚠️ Important Notes

1️⃣ The loan limit may not cover high-end properties — you may need to top up personally.
2️⃣ If you have high debt or bad credit, banks can still reject your application.
3️⃣ Once the 5-year promo ends,
the rate reverts to MRR (standard floating rate).
Plan long-term for payments, refinancing, or restructuring.
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💡 In short:
If you’ve paid social security for over 3 years —
don’t let this hidden privilege go unused.
It could save you hundreds of thousands in interest.
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Join the discussion at
https://www.facebook.com/Ex.MatchingProperty/posts/pfbid0krBsi1wmqFX6koGqXU7c7mvhEfjv5ZuHAB139ES9k6P4qjfuMcLeDZcrwP9FWXsdl