Loan servicesInterest rates and fees
The table below is the lending interest announcement effective 1 August 2024. An approved loan uses the rate in the announcement and the agreement.
Lending interest rate tableEffective 1 August 2024| A. Interest rates |
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| Item | Reference rate | Rate |
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| Prime commercial borrower (AF - Minimum Loan Rate) | AF MLR | 9.50% per year |
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| Prime housing borrower (Home Loan Rate) | AF HLR | 8.20% per year |
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B. Maximum interest rates| B. (1) Consumer loan |
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| Item | Personal loan | Housing loan and a loan related to a housing loan (top-up loan) |
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| Secured | Unsecured (the part outside supervision) |
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| Maximum interest on default | 21.00% per year | — | 21.00% per year |
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| Maximum interest in the ordinary case | 21.00% per year | — | 21.00% per year |
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B. (2) Commercial loan| Item | Revolving | Short term (up to 1 year) | Long term (more than 1 year) |
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| Maximum interest in the ordinary case | 21.00% per year | 21.00% per year | 21.00% per year |
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| Maximum interest on default | 21.00% per year | 21.00% per year | 21.00% per year |
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1 Excludes lending types for which the Bank of Thailand sets specific rules.
Announcements to download
- Lending interest rate announcementEffective 1 August 2024Download PDF
- Lending service fee announcementNo. CL0105-26, effective 1 September 2026Download PDF
- Fee and service-charge announcement for hire-purchase of commercial vehicles and agricultural dronesNo. HP-0001-25Download PDF
