Payment Calculator
Your personal schedule
Adjust the sliders, choose your plan type and see exactly what you owe — and when.
Property & plan details
Property price
฿5,000,000
฿1M฿50M
Exchange rate (฿ per $)
฿35
฿30฿40
Construction timeline
24 months
12 mo48 mo
Developer payment plan
Featured Partner
Sansiri — 0% instalment plans
Projects across Thailand from ฿2.5M
Total price
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Due at signing
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Monthly avg.
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Final on keys
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Payment flow across construction
Cumulative payments over time
Financial Partner
Kasikorn Bank — FCD Account
Foreign Currency Deposit for property purchases
Financing Alternatives
What replaces a mortgage
Standard bank mortgages do not exist for foreign buyers in Thailand. These are the options that actually work.
Most used
Developer Payment Plan
0% interest across 2–3 years of construction. Payments tied to building milestones — foundation, structure, interior, handover.
- No bank or approval needed
- Available to all nationalities
- Zero interest during build
- Flexible milestone schedule
Home Country Loan
Borrow against property or assets in your home country. Buy Thailand as a cash buyer — stronger negotiation position.
- Lower rates if secured
- Full buyer flexibility
- Requires home country assets
- FX exposure
Bangkok Bank Non-Resident
The only Thai bank offering limited financing to foreigners. Strict requirements — work permit, local income, large deposit.
- Thai baht loan
- Up to 50% LTV
- Needs work permit
- 6–8% interest rate
- Rare approvals
Post-Handover Finance
Select developers (Sansiri, Origin, Ananda) offer 3–5 year financing after keys. Useful if you need to spread payments further.
- Extends cash flow
- No bank needed
- 5–7% interest applies
- Limited to select projects
FAQ
Common questions
Standard mortgage loans are not available to foreign nationals without a Thai work permit and verifiable local income. The primary financing tool for foreign buyers is the developer payment plan — spread over the construction period at 0% interest. Some buyers finance through a secured loan in their home country.
Thai law allows foreigners to own a condominium unit in freehold (full ownership) as long as foreign buyers represent no more than 49% of the total floor area in a building. Once this quota is full, foreigners can still purchase on a 30+30+30 year leasehold structure. Always verify quota availability before reserving a unit.
Most developer contracts include a grace period of 30–60 days. Beyond that, penalties typically range from 7–15% per year on the overdue amount. In severe cases the developer can rescind the contract and retain a portion of payments made. Always read the default clause carefully and ensure you have liquidity for the full payment schedule before signing.
Yes — this is called a transfer of contract or pre-sale assignment. You sell your purchase contract to another buyer before the building completes, ideally at a higher price than you paid. Some developers restrict this or charge a transfer fee (typically 1–3%). It is a common strategy in high-demand projects in Pattaya and Phuket.
Budget an additional 3–5% above the purchase price: transfer fee (2% of appraised value, typically split with developer), sinking fund (one-time, ฿300–600/sqm), first year common area maintenance fees, and furniture package if applicable. Foreign exchange transfer fees vary by bank and method — wire transfers from overseas typically cost 0.5–1%.
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