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Mortgage planning in Thailand

Thailand Home Loan Calculator 2026

Use the property price, down payment, annual interest rate and term to estimate a constant-rate mortgage payment. Thai promotional and floating rates can change, so test more than one rate.

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Your figures

Calculate your estimate

Adjust any field. The result updates immediately and stays on this device unless you choose to share it.

Live estimate

Estimated monthly payment

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Enter your figures to see the estimate.

Loan amount
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Total interest
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Total paid
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Payment-to-income
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Estimates use the values entered and the methodology documented below. Check current provider or authority information before acting.

Method and limits

What this estimate means

A standard reducing-balance annuity formula calculates an equal payment from principal, monthly rate and number of months.

Included
Entered price, down payment, constant annual rate and term.
Not included
Changing MRR or MLR rates, lender fees, insurance, transfer fees, common fees and foreign ownership restrictions.

Before you decide

Use the result carefully

  1. 01

    Run a second scenario at a rate two percentage points higher.

  2. 02

    Keep transfer, furnishing and emergency funds outside the down payment.

  3. 03

    Foreign buyers should confirm ownership and lending eligibility before relying on an affordability result.

Primary references

Official and authoritative sources

Formula assumptions are reviewed against these sources. A linked source may be available primarily in Thai.

Questions

Common questions

Is the rate fixed for the full mortgage term?

Often not. Thai mortgages may begin with a promotional rate and later move to an MRR- or MLR-linked rate. Use the calculator to stress-test the later rate.

Can a foreigner obtain a Thai home loan?

Eligibility varies substantially by lender, residence status, income location, property type and legal ownership structure. Confirm directly with the lender and a qualified adviser.

Are transfer fees included?

No. Use the separate Thailand property transfer fee calculator for transaction costs.