The Down Payment Calculator estimates a cost estimation estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own down payment figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate the down payment according to the specified percent and the expenses to be prepared before the transfer date.
Calculation results
down payment
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Loan amount
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We've got to be ready.
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Transfer fee.-
Mortgage costs-
Other charges (approx.)-
LTV (Loan-to-Value) criteria for Thai homes
The Bank of Thailand introduced LTV criteria for property lending after 2019. A first home priced up to 10 million baht may qualify for 95-100% financing, or 0-5% down, while later homes may receive up to 80-90% depending on value.
Frequently asked questions
How much is the down payment?
According to the Bank of Thailand (LTV) guidelines, the first home is not more than 10 million baht Minimum down payment 5% price exceeds 10 million baht Down payment 10% Second home down payment 10-20% depending on the type of contract
How much is the car down?
The minimum car down payment is 15-25% of the car price, but if you pay more down, like 30-40%, you get lower installments and less total interest. Some offers may have a 0% down payment but higher interest.
What's the first time expense?
In addition to the down payment, there's a 2% transfer fee, a 1% mortgage fee, accident insurance, mortgage insurance (MRF/MRTA) and appraisal fees, all of which can amount to 3-5% of the home's value.
Check before using results
Summary before deciding
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.
Disclaimer: The results are estimates. The actual criteria depend on the policies of the financial institutions and the central bank.
English calculator guide
How to use the Down Payment Calculator
Use this page to test a specific down payment 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 down payment estimate instead of relying on a generic example.
Build a baseline down payment case with figures that match your situation.
Run a second down payment case after changing the rate, period, quantity or other key assumption.
Record the difference between the two down payment results and the input responsible for it.
Inputs for the down payment estimate
For this down payment calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a cost estimation estimate for your scenario, not a guaranteed provider price or official decision.
How the down payment result is calculated
The calculator combines the entered quantities, rates and fixed costs to produce the displayed estimate. Reusing the same down payment inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a down payment decision
Confirm any current rate, threshold or provider rule that could change the final amount. For down payment, Use the result to compare affordability, not as a lending offer. Check the lender’s effective rate, fees, insurance, payment schedule and approval conditions before committing. 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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