Mortgage calculator
Enter the price, down payment, interest rate and term to see your monthly payment, total interest and the income Thai banks usually expect.
Monthly payment
฿12,124
- Loan amount
- ฿2,700,000
- Total interest
- ฿1,664,714
- Suggested minimum income
- ฿30,311/mo
Estimate using a fixed rate for the whole term. Real bank rates change after the promotional period.
Frequently asked questions
How is a monthly mortgage payment calculated?
Thai banks use reducing-balance interest. The fixed monthly payment = loan × r ÷ (1 − (1 + r)^−n), where r is the annual rate ÷ 12 and n is the number of months.
How much income do I need for a home loan in Thailand?
Most banks keep total debt repayments at or below roughly 40% of monthly income — a 12,000 THB payment needs about 30,000 THB income with no other debt.
What is the longest loan term?
Usually up to 30–40 years, and the borrower's age plus the term must not exceed about 65–70, depending on the bank.