Buying a Home in Thailand? Mortgage Guide 2025

A home loan is one of the biggest financial decisions you’ll make. Plan your monthly payment before signing.

Down Payment

• New homes/condos: minimum 20% (or bank promotions)
• Resale: sometimes lower down but higher rates
• Bigger down payment = lower monthly payment and total interest

What Banks Consider

1. Monthly income — payment shouldn’t exceed 30-40%
2. Credit history — pay credit cards on time
3. Age — loan term + age capped at 65-70
4. Existing debt load

Example Calculation

3M THB home, 20% down (600k), 2.4M loan, 3.5% for 30 years:

• Monthly payment ≈ 10,775 THB
• Total interest ≈ 1.48M THB over the term

Calculate Before You Borrow

Use our Mortgage Calculator — enter price, down payment, rate, term for your monthly payment. Free.