Home Loan Calculator

Estimate your monthly payment based on leading Thai bank rates

Select Bank (Reference Rate, Year 1)

Property Price (THB)

3,000,000 THB

Down Payment (%) — 10%

0%= 300,000 THB50%

Interest Rate (% per year) — 3.25%

Loan Term (years) — 30 yrs

51015202530

Monthly Payment

11,751

THB/month

Loan Amount

2,700,000

THB

Total Interest

1,530,205

THB

Total Payment

4,230,205

THB

Principal 64%Interest 36%

Repayment Schedule (Estimate)

Year	Principal	Interest	Balance
1	54,057	86,949	2,645,943
2	55,841	85,166	2,590,102
3	57,683	83,324	2,532,419
4	59,586	81,421	2,472,834
5	61,551	79,456	2,411,282
⋯
30	138,556	2,451	0

* Reference rates as of 2026 and may change according to bank policies. Please contact your bank directly for accurate figures.

Property Transfer Cost Calculator

Estimate transfer fees, taxes, and mortgage registration costs at the Land Office

Government Appraised Value (THB)

3,000,000 THB

Actual Sale Price (THB)

3,000,000 THB

Years Held — 3 yrs

1510+

Listed in house registration over 1 yearIf your name is in the house registration for over 1 year, you are exempt from Specific Business Tax (pay stamp duty instead).Registering a mortgage with a bank

Estimated Total Cost

193,500

THB

Transfer Fee

2% of appraised value

60,000

Specific Business Tax

3.3% of the higher value (if held under 5 years)

99,000

Withholding Income Tax

Progressive, based on appraised value and years held

34,500

Estimated Total Cost

193,500 THB

* Estimate based on Department of Lands / Revenue Department rates. Actual costs and the buyer-seller split depend on your agreement and the Land Office's assessment. Please verify with the Land Office.