Calculate the cost of the apartment 2026 all monthly expenses in one page
Loans, utility bills, fundraising, insurance, water bills, electricity bills, internet.
It's great for planning your budget before buying a condo or comparing projects.
Condo Value Calculator
The Condo Value Calculator estimates a property-cost or return estimate for your scenario from the property value, financing or rental assumptions, time period, fees and rates shown on the page. Replace the example values with your own condo value figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in the room price, down payment, interest and other expenses, and the system will summarize all monthly expenses and show the totals for the entire loan contract, helping you plan your finances before you decide to buy.
Trust information
Use reference information from Thai official agencies. and display results to help plan before making decisions
Last updated: 20 May 2026
source
The formula for reducing balance according to the Thai Commercial Bank standards.
The utility and fund rate is based on the average condominium market price for the year 2026
Assumptions and things to note
Annuity payments fixed interest rate throughout the contract — actual interest rate may fluctuate
Average monthly fund amount calculated from total divided by repayment period to estimate monthly charges.
Utility charges are estimated by user input. Actual amount depends on usage.
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
The utility charges are calculated from the room area (sqm) multiplied by the rate per square metres per month, which is determined by the legal entity of each project. Generally, the rate is 30–80 baht/sqm/month depending on the facilities in the project.
What is the Sinking Fund?
The fund is a one-time transfer fee to reserve for future maintenance of common facilities such as elevators, swimming pools, etc. The building is generally at 400-600 baht/sqm.
How do you calculate your condo rent?
This tool calculates the Reducing Balance / Annuity, which is the method used by Thai banks for general home and condo loans. Formula: M = P × [r(1+r)^n] / [(1+r)^n − 1]
How much should I pay down for the condo?
Generally, banks can lend up to 90-95% of the room price, so you should prepare at least 5-10% down payment plus transfer fees, mortgage and fund money. The higher down payment, the lower monthly payments.
Disclaimer: This tool is used to estimate the initial cost of planning a budget before buying a condo. Actual payment depends on the bank's terms, the interest rate is floating, and the utility charges may be increased by the corporate decision.
English calculator guide
How to use the Condo Value Calculator
Use this page to test a specific condo value scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the condo value estimate instead of relying on a generic example.
Build a baseline condo value case with figures that match your situation.
Run a second condo value case after changing the rate, period, quantity or other key assumption.
Record the difference between the two condo value results and the input responsible for it.
Inputs for the condo value estimate
For this condo value calculation, check the property value, financing or rental assumptions, time period, fees and rates shown on the page. The result is designed to show a property-cost or return estimate for your scenario, not a guaranteed provider price or official decision.
How the condo value result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same condo value inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a condo value decision
Confirm current lender, tax, transfer and provider terms before committing. For condo value, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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