Mrr ย้อนหลัง 10 ปี กรุงศรี

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MRR (Minimum Retail Rate) ��ѵ�Ҵ͡��·�踹Ҥ�þҳԪ��¡�纨ҡ�١��ª�鹴� �� MRR �Ѵ��ѵ�Ҵ͡��Թ��Ẻ��µ�� (Floating Rate) ��¹�ŧ仵��鹷ع�ͧʶҺѹ��Թ ��л�С��͡��繤�� üѹ仵��Ҿ��ɰ�Ԩ �͡��㹡�� MLR �� MOR �� MLR (Minimum Loan Rate) ��¶֧ �ѵ�Ҵ͡��·�踹Ҥ�þҳԪ��¡�纨ҡ�١��˭��鹴� �� ջ��ѵԡ��Թ�� ѡ��Ѿ��ӻ�Сѹ��ҧ��§�� ¶֧��ͧ��١��ôԵ�ա��ѵ�Ҵ͡��·��١�� ͹䢷��С��ҹ��ҡ�蹡ѹ

��ǹ�͡��աẺ�� �ѵ�Ҵ͡��Թ��Ẻ�� (Fixed Rate) ��ѵ�Ҵ͡��·��˹��繵��Ţ੾�� ŧ��鹷ع�ͧʶҺѹ��Թ ��ʹ��ѭ��Թ��㹪�ǧ��ҷ��˹� �� ˹��д͡�� 7 ��ͻ� �� 4 ��

�ѹ��Ҿ��Ѿഷ�ѵ�Ҵ͡��Թ��ͺ�ҹ�ͧ��и�Ҥ�� ѧ䧹�鹵��Ҵ١ѹ��

1. ��Ҥ��¾ҳԪ��

�Թ��ͺ�ҹ��ͺ�ҹ�� �ҡ�س�ѹ��ҡ�պ�ҹ ��ѹ�ͧ�س�繨�ԧ��ҡ ��Ҥ��¾ҳԪ��ӻ�֡�� ͺ�Է�Ի��ª��٧�ش��س ��س��Ф�ͺ��դ��آ㹺�ҹ��ͺ�� ǧ�Թ��٧�ش 100%* �ͧ�Ҥһ��Թ��ѡ��Сѹ ��ѵ�Ҵ͡��ش��ɷ��Ẻ�� Ẻ��µ��

�ѵ�Ҵ͡�� MRR �� 7.37 % ��ͻ�

�� https://www.scb.co.th/th/personal-banking/loans/home-loans.html

2. ��Ҥ�á�ԡ�

�Թ��ͺ�ҹ��ԡ�� 㹪�ǧ��蹡��໭��͡��͡�� ҧ��Ŵ�͡��µ�� 0% �3��͹ ��ͻ��¡��֧ 100% �ͧ�Ҥһ��Թ ��觨��͡��Ъ�ǧᵡ��ҧ�ѹ� ��·��仨л��¡��٧�ش��Թ 90% �ͧ�Ҥҫ��͢��Թ 90% �Ҥһ��Թ ��֧��ö��͵��觺�ҹ��ա��Թ 10% ��駹��駹�鹢��Ѻ��͹䢢ͧ��Ҥ�ô��

�ѵ�Ҵ͡�� MRR �� 7.12 % ��ͻ�

�ѵ�Ҵ͡��Թ��Ѻ�١��ҷ��Ш� �͡��¾�� 0.6% �ҹ 8 ��͹
��͹�� 9-12 �͡�� MRR-3.80% �շ�� 2-3 MRR-1.95% �շ�� 4 ��ѭ�� MRR-1.50%

�� https://www.kasikornbank.com/th/personal/loan/home-loan

3. ��Ҥ�á�ا��

�Թ��ͺ�ҹ��ا��ͫ��ͷ�� ǧ�Թ�� 90% �ͧ�Ҥһ��Թ ��ö�ռ��֧ 3 ��(��4��) ��Թ��ͧ͢��Ҥ�è��͡��ͧ�� ҷ� �͹� ��ҹ��ͧ ��١��ҧ��ҹ ��͹䢡��ᵡ��ҧ�ѹ��蹡ѹ

�ѵ�Ҵ͡�� MRR �� 7.20 % ��ͻ�

�� https://www.krungsri.com/bank/th/PersonalBanking/LoanProducts.html

4. ��Ҥ�á�ا��

�Թ��ͺ�ҹ��ا�� ��͹ʺ�� ��ա˹�觸�Ҥ��觻��ͧ�Թ��Ѻ�ؤŷ�� кؤ��Ҥ�Ѱ ��繷��ҡ��繺ؤ��Ҥ�Ѱ��͹䢷��ա�� Ѻ�ؤ�ŷ��仡��ѧ��ࡳ��ʹ��

�ѵ�Ҵ͡�� MRR �� 7.12 % ��ͻ�

�Թ��ͺ�ҹ��ا�� ͹ʺ��
�ѵ�Ҵ͡�� 0.99 % �ҹ 9 ��͹
��͹�� 10-12 MRR – 1.50
�շ�� 2 MRR – 1.25 ��ͻ�
�շ�� 3 MRR – 1.50 ��ͻ�
�շ�� 4 MRR – 1.75 ��ͻ�

�� https://www.ktb.co.th/th/personal/loan/housing-loan/

5. ��Ҥ�÷��

�Թ��ͺ�ҹ TMB ��ա˹�觸�Ҥ�÷��蹴�� ǧ�Թ�� 500,000 �ҷ 仨��֧ 20,000,000 �ҷ �ҡ�繺�ҹ㹺��ѷ��Ѳ��ç��÷��˹��ѧ��ǧ�Թ�٧�ش 100% �ͧ�Ҥҫ��͢��Ҥһ��Թ ��͡��͹䢡��ѧ��¡��֧ 95% �ͧ�Ҥһ��Թ

�ѵ�Ҵ͡�� MRR �� 7.275% ��ͻ�

�ѵ�Ҵ͡�� 3.5% ��ͻ�� 3 ��á
�͡�� շ�� 1-3 MRR-2.525% ��ͻ�
�͡�� շ�� 4 �繵�� MRR-2.275% ��ͻ�

�� https://www.tmbbank.com/loan/secured-loan/home-loan.html

6. ��Ҥ�á�ا෾

�Թ��ͺ�ҹ��ǧ ��¡��繸�Ҥ�÷��»��ͧ�Թ��ͷ��ٻẺ�ҡ ��Թ��ͺ�ҹ�Ѵ��÷��Ѻ��Ҥ�� Թ��ṹ��ҡ��Ҥ�� Թ��ͺ�ҹ��պѭ��Ѹ�з�Ѿ��ի��ٻẺ��Ѿ��ͧ�ҧ��Ҥ�� ѧ��Թ��Ѻ�Ҫվ੾�зҧ��ҧᾷ�� Ծҡ�� ѡ�Թ �繵�

�ѵ�Ҵ͡�� MRR �� 7.125% ��ͻ�

�� https://www.bangkokbank.com/th-TH/Personal/My-Home/Home-Loan

7. ��Ҥ�� .

��Ҥ��Ҥ��ʧ��鹪��繸�Ҥ��ͷ�� ͧ�Թ��ͷ��¨֧��Ǵ��Ҩ�� �Թ��ͺ�ҹ All Home �� 2562 ��Ѻ�١��·��ջ��ѵԴ� ��ҨЫ��ͺ�ҹ�� ҧ��ҹ�� ͹ �� 駹��ҡ��١��ʴԡ�è��ѵ�Ҵ͡��·��١ŧ仴��

�ѵ�Ҵ͡�� MRR �� 6.75% ��ͻ�

�͡�� շ�� 1 MRR -3.30 %
�͡�� շ�� 2-3 MRR -3.45 % (3.30 %) ��ͻ�
�١��ʴԡ�� ͡��»շ�� 4 �繵�� MRR -1 % ��ͻ�
�١�� ͡��»շ�� 4 �繵�� MRR -0.5 % ��ͻ�

�� https://www.ghbank.co.th/product/loan/general-customer

8. ��Ҥ��Թ

�Թ�� ��ա˹��Թ��Ѻ��ҡ�պ�ҹ��ѵ�Ҵ͡��·��¡��Ҷ١��ҵ�� ¡��繸�Ҥ��Ѱ��ҡ��ء��պ�ҹ ��͹䢷��ҡ ��ѡ�ҹ�͡�� е�ͧ�Ѵਹ��ҡ�繡óջ�١��ҧ �е�ͧ��Ẻ�Ź ��͹حҵ��ҧ�Ҥ�� ֧�ѭ��Ҩ�ҧ��ҧ�� ǧ�Թ��Թ 90% �ͧ�Ҥһ��Թ��Ѿ�� 觡�äԴ�͡��͡��2 Ẻ��¡ѹ��

�ѵ�Ҵ͡�� MRR �� 7.00% ��ͻ�

�óռ��ʧ��ӻ�Сѹ��Ե��ͤ��ͧǧ�Թ�Թ��
Ẻ�� 1
�͡�� շ�� 1 = MRR - 4.00%
�͡�� շ�� 2 = MRR - 1.00%
�͡�� շ�� 3 = MRR - 0.75%

�͡�� շ�� 4 �繵�� = MRR - 0.50%
Ẻ�� 2
�͡�� շ�� 1-3 = 5.50%
�͡�� շ�� 4 �繵�� = MRR - 0.50%

�� https://www.gsb.or.th/personal/products/loan/person/domestic.aspx

9. ��Ҥ��ầ��Ϳ䪹��

ầ��Ϳ䪹��繸�Ҥ�÷��Դ�ٻẺ�͡��ᵡ��ҧ�ҡ��Ҥ�þҳԪ�� 5 ��觷�� ֧��Ҥ�âͧ�Ѱ�� 2 ��觴�� ầ��Ϳ䪹��¡��ѵ�Ҵ͡��Ẻ MLR ��͹��þԨ�ó��Թ��ͧ͢��蹡��֧ᵡ��ҧ� ��͵�ͧ�դ��Ͷ��ҡ�� ҧ�� ջ��ѵԡ��Թ�� ѡ��Ѿ��ӻ�Сѹ��ҧ��§�� 觡�äԴ�͡��¢ͧ�Թ��ͺ�ҹ�� ��Ẻ��͡ �÷��ջ��ѵԡ��Թ�ա��ҾԨ�ó��繵��͡�ѹ�Ѻ��

�ѵ�Ҵ͡�� MLR = 6.50% ��ͻ�

�͡��»շ�� 1-2 MLR 2.80% ��ͻ�
�շ� 3 MLR 4.20% ��ͻ�
�շ��4 MLR 5.5 % ��ͻ�
��ѵ�Ҵ͡�� MLR �� 5.02%��ͻ�

�� https://www.bankofchina.co.th/th/pbservice/pb2/201309/t20130904_2451541.html

�ա˹�觡��紷��и�Ҥ��ᾤ��Ŵ��Ҵ͡��¡��ҹ��Ϳ��ҹ �ҷ� ��ͻ�Сѹ�Ѥ��ѵ�Ҵ͡��㹪�ǧ3 ��á��١��ᾤ�稻��Է��ջ�Сѹ�� 觺ҧ��觡��觨��蹡ѹ
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