Rate structure
Promotional rate, floating period, MRR or MLR spread, reset timing, and worst-case payment.
Mortgage planning portal
Get mortgage-ready before you make an offer
A clearer home-loan path for Thailand: estimate what you can afford, see the cash you need, prepare documents, compare terms, and time the transfer with confidence.
Mortgage readiness snapshot
Review your buying range, cash requirement, document status, and transfer milestones before moving into formal approval.
Budget rangeEstimate live
Cash to closeCalculated
DocumentsChecklist
The mortgage workflow
Move through the decision in this order so every conversation has a clear purpose.
1
Set the buying envelope
Estimate a property price, down payment, debt ratio, rate, term, and monthly payment before you shortlist homes.
2
Check cash readiness
Separate the loan from cash items such as down payment, buyer-side transfer fee, mortgage registration, appraisal, insurance, and moving costs.
3
Prepare proof
Collect identity, income, employment or business records, bank statements, debt records, and residency or work documents where relevant.
4
Offer with conditions
Before signing, confirm valuation timing, finance contingency, deposit terms, title status, and expected transfer date.
5
Compare full terms
Compare rate period, MRR or MLR reference, required insurance, fees, prepayment rules, refinance limits, and approval conditions.
6
Close the transfer
Coordinate final approval, bank cheque, mortgage registration, Land Office transfer, utilities, juristic office documents, and move-in timing.
Planning dashboard
Payment estimate
Typical buyer cash shown here includes down payment, half of the 2% transfer fee, and 1% mortgage registration on the loan amount. Confirm exact charges with qualified local advisers.
Payment estimate
Estimated monthly payment฿25,283
Loan amount฿4,000,000
Total interest฿5,101,780
Total paid฿9,101,780
Affordability check
Estimated affordable price฿6,062,746
Max loan payment฿32,000
Loan amount฿5,062,746
Cash needed before transfer฿1,090,000
Cash-to-close breakdown
฿1,090,000
Down payment฿1,000,000
Buyer transfer fee share฿50,000
Mortgage registration฿40,000
Loan balance over time
Application-ready checklist
Use this as a practical readiness screen before spending time on formal applications.
Thai ID or passport and current contact details
Work permit, visa, residence, or company documents where applicable
Salary slips, employment certificate, tax records, or business income proof
Six to twelve months of bank statements
Credit card, auto loan, personal loan, and other debt records
Property details, sale agreement draft, title information, and appraisal appointment
Marriage, consent, guarantor, or power of attorney documents if required
Cash reserve for fees, insurance, juristic charges, repairs, and moving
Approval conditions
Valuation gap, loan-to-value limit, income treatment, co-borrower rules, and required products.
Exit flexibility
Prepayment fees, refinance restrictions, lock-in period, insurance cancellation, and document release timing.
BRT Home Loans
Want BuyRentThai to help with your home loan?
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BuyRentThai is not a lender or financial adviser. These tools are planning estimates only. Confirm eligibility, current rates, fees, taxes, and legal treatment with licensed banks and qualified advisers before signing.