• Faster than commercial banks
  • Loan size subject to market price
  • Interest charged on outstanding balance
  • Payable over up to 3 years
  • No hidden costs
  • Redeem collateral anytime
  • Client confidentiality is a priority
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Get pre-approved terms and condition

Terms & Conditions

  • Loan Size

    Up to 50% of valuation, minimum THB 5 million and uncapped maximum

  • Term

    Up to 3 years

  • Principal Repayment

    Minimum 20% of original principal at the end of each loan year, remaining principal paid on the last installment

  • Interest Payment

    Paid in advance for at least 1 year upon loan drawdown. Unused prepaid interest will be refunded in the case of early principal repayment.

Interest & Fees

  • Interest

    Fixed up to 12% per annum


  • Front-end

    1.5% of loan size (one time upon loan drawdown)

  • Prepayment

    2% of prepaid principal amount (upon every loan prepayment)

  • Commitment

    2% of non loan disbursement (upon contract signing, refundable)

  • Renewal

    1% of loan size (upon contract renewal)

Other expenses

  • Mortgage Fee

    1% of principal (max THB 200,000/time except for condo unit)

  • Inspection Fee

    Up to THB 10,000/visit (as per distance) for travelling expenses

  • Appraisal Fee

    Subject to appraiser for setting loan size

  • Travelling Fee

    Up to THB 12,000 depending on distance for mortgage registration at the Land Department

  • Duty Stamp

    0.05% of principal (max THB 10,000)

  • Fire Insurance

    Subject to collateral value

Property type

  • Accept only chanote title deed of land plot or condo (no leasehold or other possessory right in any forms)
  • Acceptable areas in Bangkok and peripheral areas, and the areas in the city of Chonburi, Rayong, Hua Hin, Cha-am, Surat Thani, Phuket, Chiangmai, Phitsanulok, Nakhon Ratchasima, Khon Kaen, Udon Thani, and Ubon Ratchathani are within the 5 kilometers radius around the city.
  • Unacceptable areas include agricultural, industrial, forestry areas, national forest reserves, national parks, Khao Yai areas, areas with sound and odor pollution, areas near energy sources, areas with well deeper than 5 meters, or high-voltage cables more than 20% of the area.
  • The land plot must have a minimum width and width of the road on a plot of 6 meters, with the access way not less than 6 meters, and can be developed as a commercial or residential project.
  • The land plot must not exceed sea level by 80 meters and will not be considered in the case of a slope exceeding more than 35 degrees.
  • The land plot must have utility (electric, water, telephone signal etc.)
  • The land with commercial properties are all subject to company’s discretion and must be in ready-to-use condition with proper construction permit and not contrary to any law.
  • Properties under construction or incomplete and land plots in the housing estates are not accepted.
  • The housing project under Land Subdivision Act will get a loan up to 2/3 of the government appraisal value.

Required Documents


  • ID/Passport* (valid for at least 6 months)
  • Marriage/divorce certificate** (If any)
  • Spouse consent*** to borrow / mortgage property
  • Bank statements for 6 latest months
  • Credit bureau reports from country of residence (valid within 3 months)
  • Others Upon request

Remarks :

Passport with valid visa (when required) and latest immigration entry stamp upon The Kingdom arrival.
Applicant’s spouse may be required as co-borrower in some circumstances.
Template is available.


  • Company's official affidavit (valid within 3 months)
  • Shareholder list (form Bor-Or-Jor.5) (valid within 3 months)
  • Authorized director's ID/passport**** (valid for at least 6 months)
  • Financial statement for last 3 years audited by CPA
  • Tax return form for latest year
  • Bank statements for 6 latest months
  • Credit bureau reports from country of residence (valid within 3 months) (1)
  • Others upon request

Remarks :

Credit bureau reports of directors.
In case of the company has its director as a co-borrower using the company’s asset as collateral, the director to sign all relevant loan agreement shall be another director who is not co-borrower to the loan. Consent from the company’s shareholders must be obtained before doing mortgage registration at land office.

Property Documents

  • Title deed
  • Appraisal report by preferred appraiser*
  • Others upon request

Remarks :

* Contact details to be provided

Also require :

  • Signature for certif ied true copy for all copy documents
  • Thai/Eng translations for documents in other languages