Finance
Know your budget, then choose your home
Start from income and existing debts to see what you might borrow, then check the payment and transfer-day costs for a model you like.
- 1Check borrowing power
- 2Pick a model in budget
- 3Get a bank pre-approval
- 4Book and sign
Borrowing power
Estimated price you could buy
฿3,635,832
- Monthly budget
- ฿20,000/month
- Estimated loan
- ฿3,335,832
Models within this budget
How it's calculated
Budget = income × debt-service ratio − existing debts · Loan = budget × (1 − (1 + r)^−n) ÷ r · Payment = loan × r ÷ (1 − (1 + r)^−n), r = annual rate ÷ 12, n = months.
Payment for a model
Estimated monthly payment
฿16,461/month
- Loan
- ฿2,745,500
- Down payment
- ฿144,500
- Transfer fee (buyer's share)
- ฿145
- Mortgage registration
- ฿275
- Cash to prepare (down + fees)
- ฿144,919
Reduced 0.01% rate applied
How it's calculated
Budget = income × debt-service ratio − existing debts · Loan = budget × (1 − (1 + r)^−n) ÷ r · Payment = loan × r ÷ (1 − (1 + r)^−n), r = annual rate ÷ 12, n = months.
Homes up to ฿7M bought by Thai individuals: transfer and mortgage fees cut to 0.01% until 30 Jun 2027 — ready-to-move homes can transfer in time. (Check the latest rules.)
Estimates for planning. Actual loans and rates depend on bank approval.
Improve your chances
- Pay down cards and personal loans first
- Prepare 6–12 months of statements
- Apply to several banks at once