Policy and Operation
Title:
Reporters: Dr. Jaray Suwannachart, Asst.Prof.Dr. Tachaya Sangkakool, Asst.Prof.Surawat Moogem and Tussawan Thong-on
Evidence Date: during 2023 Jan-Dec
Related SDGs:
Related Indicators: 11.4.7
Details:
The university has received support to promote the housing project, “Baan Uea-Arthorn,” from the National Housing Authority of Songkhla Province. Reservations for the civil servant welfare housing project in Songkhla province were open from April 1 to 7, 2023. This initiative includes three types of residences: single-family homes, duplexes, and condominium units, catering to staff seeking affordable housing with low-interest rates and convenient travel distances to work, located at the project’s sales office in Songkhla (Hat Yai – Lopburi Ramesuan) and the Songkhla Housing Authority Office.
Picture 1 shows an example of a single-family home from the civil servant welfare housing project in Songkhla province.
Source: https://www.nha.co.th/wp-content/uploads/2023/03/660401-%E0%B9%82%E0%B8%84%E0%B8%A3%E0%B8%87%E0%B8%81%E0%B8%B2%E0%B8%A3%E0%B8%9A%E0%B9%89%E0%B8%B2%E0%B8%99%E0%B8%AA%E0%B8%A7%E0%B8%B1%E0%B8%AA%E0%B8%94%E0%B8%B4%E0%B8%81%E0%B8%B2%E0%B8%A3%E0%B8%82%E0%B9%89%E0%B8%B2%E0%B8%A3%E0%B8%B2%E0%B8%8A%E0%B8%81%E0%B8%B2%E0%B8%A3%E0%B8%AA%E0%B8%87%E0%B8%82%E0%B8%A5%E0%B8%B2-01.jpg
This civil servant welfare housing project plays a crucial role in enhancing the stability of civil servants’ and university staff’s working lives by providing them with suitable housing that meets their needs. Additionally, it contributes to creating a positive living environment in the long term, which aligns with Sustainable Development Goal (SDG) 11. By promoting affordable housing solutions, the project helps foster inclusive and sustainable urbanization, improving the quality of life for university personnel and supporting the development of resilient communities.
Picture 2 shows an example of a residential apartment building from the civil servant welfare housing project in Songkhla province.
Source: https://www.nha.co.th/wp-content/uploads/2023/03/660401-%E0%B9%82%E0%B8%84%E0%B8%A3%E0%B8%87%E0%B8%81%E0%B8%B2%E0%B8%A3%E0%B8%AF-%E0%B8%AA%E0%B8%87%E0%B8%82%E0%B8%A5%E0%B8%B2-%E0%B8%AB%E0%B8%B2%E0%B8%94%E0%B9%83%E0%B8%AB%E0%B8%8D%E0%B9%88-%E0%B8%A5%E0%B8%9E%E0%B8%9A%E0%B8%B8%E0%B8%A3%E0%B8%B5%E0%B8%A3%E0%B8%B2%E0%B9%80%E0%B8%A1%E0%B8%A8%E0%B8%A7%E0%B8%A3%E0%B9%8C.jpg
Picture 2 shows the 2023 Housing Loan Project for Government Personnel
Source: https://blog.ghbank.co.th/gh-bank-home-loan-for-2023/
In 2023, housing Loan Project for Government Personnel was designed to support civil servants, government officials, university employees, state enterprise staff, and other eligible government employees who wish to secure housing loans without deposit requirements. This initiative provides an opportunity for applicants to benefit from zero appraisal fees for collateral, with costs ranging from 1,900 to 3,100 baht. The primary objectives of the loan project include the purchase of land with buildings, such as single-family homes, duplexes, townhouses, commercial buildings, and apartments. Additionally, it facilitates the construction of new buildings or the acquisition of land for this purpose, and it allows borrowers to redeem existing mortgages from other financial institutions, whether on land with buildings or on vacant lots intended for new construction.
Furthermore, the loan program offers flexibility by enabling borrowers to extend or renovate their properties, repay existing housing debts, and acquire necessary living equipment or facilities. Life insurance premiums for mortgage protection (MRTA) can also be financed as part of the primary loan request. The interest rates for the loan are structured to provide significant savings over time, starting at MRR – 3.65% for the first year and gradually decreasing to MRR – 1.00% in the sixth year and beyond. This comprehensive support aims to enhance the living conditions and stability of government personnel and their families.
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