Preliminary assessments before actual loans are submitted to prepare and increase the chances of approval.
Updated year criteria 2026
Home Loan Qualifications Calculator
The Home Loan Qualifications 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 qualifications figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in your income, age, income type, debt history, and the amount you want. The tool will assess whether you meet the bank's criteria and give you advice on how to increase your chances of approval.
Qualifications.
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The maximum amount of loan you can receive.
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DTI Aspect Ratio
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Maximum recovery time (age)
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The home safety criteria.
The 3 verification tool The main criteria that most banks use:
DTI Check: (New installment + old debt) / Income ≤ 40%
Age Check: Age + loan term ≤ 65 years (employee) or 70 years (private business)
Income Ratio: Income should exceed the instalment at least 2.5-3 times.
How to increase your chances of approval.
Shut down unnecessary loans, like credit cards, personal loans.
Find co-borrowers to consolidate income.
Prepare pay slips/proof of income back to 3-6 months.
If you're old, try shortening the loan term or increasing the down payment.
Frequently asked questions
What is DTI and how much does the bank use?
DTI (Debt-to-Income Ratio) is the ratio of total debt burden to monthly income. Most banks in Thailand have set the ratio at no more than 40–45%. For example, income 50,000 baht total debt burden must not exceed 20,000–22,500 baht/month.
How does age affect home savings?
The bank stipulates that the age at the closing date must not exceed 65 years for permanent employees or 70 years for private businesses, for example, age 45 years maximum debt 20 years (employee) or 25 years (private business)
If you're not eligible, what do you do first?
I suggest closing other debts first, to reduce DTI, increase proven income, or find a co-borrower, like a spouse.
What kind of income does the bank count?
Regular income: Salary, OT bonus (average 12 month) Business income: Must have evidence such as 6-12 monthly recurring accounts or financial statements Rental income: Countable 70-80% if evidence is available
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 assessment is a preliminary estimate, not a guarantee of credit approval. Actual consideration depends on each bank's policies, credit history, and the documents submitted.
English calculator guide
How to use the Home Loan Qualifications Calculator
Use this page to test a specific home loan qualifications 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 qualifications estimate instead of relying on a generic example.
Build a baseline home loan qualifications case with figures that match your situation.
Run a second home loan qualifications case after changing the rate, period, quantity or other key assumption.
Record the difference between the two home loan qualifications results and the input responsible for it.
Inputs for the home loan qualifications estimate
For this home loan qualifications 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 qualifications result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same home loan qualifications inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a home loan qualifications decision
Confirm current lender, tax, transfer and provider terms before committing. For home loan qualifications, 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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