The Maximum Loan Amount Calculator estimates a loan and interest estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own maximum loan amount figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate the maximum loan amount that the bank can approve using DTI 40% as the standard criterion
Calculation results
Maximum loan amount
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Maximum bursts/month
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Total monthly income
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Amount of debt repayable (40% of income)-
Deduct the original installment.-
The remainder for new loans.-
Maximum loan formula
The maximum loan amount is calculated from the maximum repayable instalment (income x 40% - original debt) and then backwards calculated to find the principal amount that corresponds to that instalment using the principal-interest formula, which is the standard method for home loans.
Frequently asked questions
What criteria does the bank use to determine the amount of the loan?
Banks consider the DTI (debt to income) should not exceed 40% credit score, income stability, time of work and collateral. Regular income often gets higher than income from private business.
How is the home loan calculated?
Maximum home loan amount = [(income/month × 40%) - other debt balance] / loan rate per million baht Example: income 50,000 baht/month no other debt interest 6.5% repayment 30 year maximum loan amount approximately 3.2 million baht
Can you add up your peer income?
Yes, you can bring your spouse's income into the loan, called "joint borrowing," which increases the amount, but both of you are jointly liable for the debt, and both of you're credit history is checked.
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 results are only estimates. The actual amount depends on the bank's policies and discretion.
English calculator guide
How to use the Maximum Loan Amount Calculator
Use this page to test a specific maximum 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 maximum loan amount estimate instead of relying on a generic example.
Build a baseline maximum loan amount case with figures that match your situation.
Run a second maximum loan amount case after changing the rate, period, quantity or other key assumption.
Record the difference between the two maximum loan amount results and the input responsible for it.
Inputs for the maximum loan amount estimate
For this maximum loan amount calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a loan and interest estimate for your scenario, not a guaranteed provider price or official decision.
How the maximum loan amount result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same maximum loan amount inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a maximum loan amount decision
Confirm any current rate, threshold or provider rule that could change the final amount. For maximum 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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