Estimate the maximum loan amount from income and existing debt before you actually apply.
Updated year criteria 2026
Home Loan Amount Calculator
The Home Loan Amount 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 home loan amount figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in income, old debt, and interest to estimate the maximum loan the bank would approve, with maximum instalment, minimum down payment, and debt-to-income ratio.
The loan amount is calculated.
Maximum loan amount
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Maximum motion.
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Minimum down payment.
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Debt-to-income ratio.
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How to calculate your home loan?
The tool uses the basic Debt Service Ratio (DSR) which most banks require that the total debt burden per month does not exceed 40% of income Maximum payment = income × 40% − original debt per month then calculate backwards to the maximum loan amount using the inverse PMT formula
If you enter the house price, the system will check that the amount does not exceed 80% of the house price (LTV 80%) and calculate the minimum down payment to be prepared.
The standards used by Thai banks.
DSR ≤ 40% of net income per month
Maximum LTV 80–90% of the valuation price (home price higher than 10 million baht may be lower)
Age + loan term ≤ 65 years (employee) or 70 years (private business)
Minimum earnings are usually 15,000-20,000 baht/month depending on the bank.
Frequently asked questions
What criteria does the bank use to lend you a home?
Banks usually use a debt service ratio not exceeding 40–45% of net income per month, considering credit history, age, and income stability.
What is LTV?
LTV is the loan amount to property value ratio. Most banks can lend up to 80–90% of the valuation price. You must prepare the remaining down payment at least 10–20%.
How much less would you borrow if you had other debts?
Every baht of the old debt will reduce the maximum instalment that the bank can approve. For example, if you have a car loan of 8,000 baht/month, the amount of the home loan you receive will be reduced accordingly. The less the old debt, the higher the loan.
How do you increase the loan?
This can be done by reducing the existing debt burden (closing credit cards/other credit debt), increasing proven income, borrowing with a spouse or co-borrower, or requesting longer loan terms to reduce monthly payments.
How much is the maximum amount of income you can save?
Most banks approve up to 40% of net income per month. For example, income 50,000 baht Maximum loan 20,000 baht/month. Maximum loan amount depends on interest rate and term.
What's the current mortgage interest rate?
The MRR of most commercial banks is 6.25-7.00% per year. General home loans are discounted such as MRR-1% to MRR-2%. Check the current rate from the bank website or bot. or. th
What are the implied costs of rescuing a home?
The valuation costs 2,000-5,000 baht Mortgage fees 1% of the loan amount, accident insurance, credit protection life insurance and contract fees combined may amount to 2-3% of the loan amount.
When is a home refinancing worth it?
The new interest rate is lower than the old rate by at least 0.5-1% and the repayment period is longer.
home loan authority path
Send this number to the home lottery.
Use the results from this page as a starting point, and then open the main home loan calculator to see the installment, total interest, payment schedule and budget to be prepared from the same figures.
Installments and interest are numbers for preliminary screening of plans. Before actually applying, you should compare rates, fees, and conditions from service providers.
Calculated based on the principal, rate and term you enter.
This does not include certain types of fees, insurance or specific promotional conditions.
The total installment should not put pressure on monthly cash flow.
Disclaimer: The calculations are estimates for planning purposes only. The actual amount received depends on the policies and discretion of each bank. Please consult your financial institution before making any decision.
English calculator guide
How to use the Home Loan Amount Calculator
Use this page to test a specific home loan amount 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 home loan amount estimate instead of relying on a generic example.
Build a baseline home loan amount case with figures that match your situation.
Run a second home loan amount case after changing the rate, period, quantity or other key assumption.
Record the difference between the two home loan amount results and the input responsible for it.
Inputs for the home loan amount estimate
For this home loan amount 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 home loan amount result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same home loan amount inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a home loan amount decision
Confirm current lender, tax, transfer and provider terms before committing. For home loan amount, 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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