GHB (ธอส.) has allocated 20 billion baht for a promotional housing-loan package. First 3 months at 0.73% a year, months 4-9 at 1.73%, then MRR-based rates. Free mortgage registration (1% of loan, capped at 200,000 baht) for refinancing from other banks, and free appraisal for refinancing applications submitted until 30 Sep 2026. Useful for owners with property who are refinancing or looking at a loan for premises or equipment. Check the full rate schedule and terms with the bank, since the low rates apply only for a limited period.