Mortgage Calculator

Calculate your monthly mortgage payments and total loan cost

Mortgage Calculator

Enter your loan details to calculate monthly payments

Loan Amount

Range: 500,000 - 100,000,000 THB

Interest Rate (%)(Current 2.5-7.5%)

Current Thai bank rates

Loan Term (years)(Typically 15-30 years)

Standard repayment period

Understanding Mortgage Calculations

A mortgage calculator helps you estimate your monthly mortgage payments based on the loan amount, interest rate, and loan term. This tool is essential for budgeting and comparing different loan options before making a home purchase.

Thailand Mortgage Information

Current Interest Rates (2025)

• Fixed Rate: 3.5% - 5.5%

• Floating Rate: 2.5% - 4.5%

• First Home Buyer Rate: 2.75% - 4.25%

Loan Requirements

• Minimum Down Payment: 10-20%

• Maximum Loan-to-Value: 90-95%

• Maximum Debt-to-Income: 70%

Key Terms

Principal

The amount of money you borrow from the lender.

Interest Rate (%)

The annual percentage rate (APR) charged by the lender.

Loan Term (years)

The length of time you have to repay the loan, typically 15-30 years.

Monthly Payment

The amount you pay each month, including principal and interest.

How to Use This Calculator

Enter loan amount (500K-100M THB) - subtract your down payment from home price

Input current interest rate (2.5-7.5%) - check with your bank for exact rates

Choose loan term (5-40 years) - longer terms = lower monthly payments but more interest

Click calculate to see monthly payment, total cost, and interest breakdown

Compare results with your budget - monthly payment should be ≤30% of income

Tips for Getting a Better Mortgage

Improve your credit score before applying

Save for a larger down payment

Shop around with multiple lenders

Consider the total cost, not just monthly payments

Get pre-approved to strengthen your offer

Important Notice

Interest rates and loan terms shown are estimates based on 2025 market data. Actual rates may vary by bank, credit score, and current market conditions. Always verify current rates with your preferred lender.

Mortgage Basics

Understanding mortgage fundamentals helps you make informed decisions about one of life's biggest financial commitments. Learn about different loan types, interest rates, and repayment strategies.

Types of Home Loans in Thailand

Fixed-rate loans offer stable payments, while floating-rate loans may start lower but can change. Government programs provide special rates for eligible buyers.

Preparing for Your Mortgage

Good preparation can save you thousands. Improve your credit score, save for a larger down payment, and gather all necessary documents before applying.

Understanding Costs

Beyond monthly payments, consider insurance, taxes, maintenance, and closing costs. Budget for 1-3% of home value annually for maintenance and repairs.

Major Thai Banks

• Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, Krung Thai Bank, TMB Bank, Government Savings Bank

Government Programs

Thailand offers various government-backed mortgage programs for first-time buyers and low-income families with special interest rates and terms.

Next Steps

After calculating your mortgage, compare offers from multiple banks, prepare required documents, and consider consulting with a mortgage advisor.

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