💳 Home Financing Center
Calculate, compare 7 banks, and get pre-approved online
Mortgage Calculator
Monthly payment
฿12,124
Loan amount
฿2,700,000
Total interest
฿1,664,714
* Suggested minimum income ≈ ฿30,000/month (40% debt-service rule)
AI Budget Analysis — what can your income afford?
Maximum property budget (approx.)
฿2.4M
Based on 40% debt-service ratio · 6.5% interest · 30 years
Compare Mortgage Rates — 7 Banks(sample data, Jul 2026)
| Bank | Year 1 | Year 2 | Year 3 | 3-yr avg | Max LTV | Max term |
|---|---|---|---|---|---|---|
| GH Bank (GHB)LOWEST | 2.70% | 3.40% | 3.90% | 3.33% | 110% | 40 yrs |
| Krungthai Bank (KTB) | 2.85% | 3.60% | 4.00% | 3.48% | 100% | 40 yrs |
| TTB Bank (TTB) | 3.00% | 3.70% | 4.15% | 3.62% | 100% | 35 yrs |
| Kasikornbank (KBANK) | 3.10% | 3.75% | 4.10% | 3.65% | 100% | 30 yrs |
| Krungsri (Bank of Ayudhya) (BAY) | 3.05% | 3.80% | 4.20% | 3.68% | 95% | 30 yrs |
| Bangkok Bank (BBL) | 2.99% | 3.85% | 4.25% | 3.70% | 100% | 35 yrs |
| Siam Commercial Bank (SCB) | 2.95% | 3.95% | 4.35% | 3.75% | 100% | 35 yrs |
Transfer-day Cost Calculator
- Transfer fee 2%
- ฿60,000
- Mortgage fee 1%
- ฿27,000
- Stamp duty 0.5%
- ฿15,000
- Withholding tax (est. 1%)
- ฿30,000
- Total
- ฿132,000
* Homes ≤฿7M get the govt. reduction (transfer + mortgage at 0.01% each) until end of 2026
Investment Return (Yield & ROI)
Gross Rental Yield
6.00%
ROI incl. 3%/yr appreciation
8.00%
Eastern Seaboard benchmark: 4–5% average · 5–6% good · 6%+ verify real demand
Free Online Pre-Approval
Get an initial answer within 24 hours with no credit-score impact. Submit documents once, apply to up to 3 banks, with a loan advisor guiding you to transfer day.
- Free, no obligation
- Documents encrypted end-to-end
- e-Signature supported