Plan with your own numbers

Thailand Mortgage Calculator

Estimate a monthly home-loan payment from the property price, down payment, annual interest rate, and loan term you enter.

Last updated: September 2026

The starting numbers are examples only. Replace them with the price and loan terms you are considering.

Estimated monthly principal and interest

28,657 THB

Loan amount
4,000,000 THB
Down payment share
20%
Total interest over the term
2,877,738 THB
Total principal and interest
6,877,738 THB

Calculation only, not a property valuation, loan offer, affordability assessment, or approval. Uses the fixed annual rate you enter and excludes taxes, transfer fees, insurance, bank fees, and changing rates.

How the mortgage payment estimate works

The calculator subtracts your down payment from the property price, then applies the standard fixed-rate amortization formula across monthly payments for the term you enter. At 0% interest, it divides the loan amount evenly by the number of months.

What the estimate includes

It includes repayment of the borrowed principal and interest calculated from your entered annual rate. The totals assume the same rate and payment schedule for the entire term.

What the estimate does not include

It does not include transfer taxes, mortgage registration fees, insurance, lender charges, early repayment costs, exchange-rate changes, or variable-rate adjustments. Ask a lender for a personalized quotation.

Frequently Asked Questions

Is this a property valuation or mortgage approval?

No. The calculator only performs arithmetic with the values you enter. It does not estimate a property's market value, test your eligibility, compare lenders, or indicate that a bank will approve a loan.

Which interest rate should I enter?

Use the annual rate from a lender's quotation or the rate you want to test. The starting rate is an example, not a current market rate or recommendation.

Does the monthly payment include Thai property taxes and fees?

No. The monthly figure includes principal and interest only. Transfer taxes, mortgage registration fees, insurance, bank fees, and other ownership costs must be considered separately.

Can foreign buyers get a mortgage in Thailand?

Eligibility depends on the lender, property, residency, income, and other circumstances. This calculator does not assume eligibility; confirm available financing and terms directly with a lender before making a decision.

Compare the payment with real asking prices

Browse current homes for sale, enter a listing price above, and contact a verified agent when you want the exact property details.

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