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Financing & Loans

We receive many inquiries from potential buyers seeking financing. Bank financing for foreigners can prove to be quite difficult unless you have lived and worked in Thailand for a long period of time and have some sort of equity already in the country.

If you have a Thai partner with a reasonable credit history and some notable income, you may have better luck. To be honest, there are four better alternative than seeking a mortgage or loan from a Thai bank.

1. Developer Financing.

There are a number of developers in the area who now offer seller financing where the buyer pays between 30 and 50% of the total purchase amount with the balance to be paid over a period of time – typically about 2 to 5 years. If this is of interest, please contact us to find out what developers are offering this assistance.

2. Seller Financing.

Essentially the same as above, but through a private seller. As it really is a buyer’s market at the moment, there are a lot of private sellers motivated enough to offer this. Again, enquire within…

3. Private Financing.

There are a number of private individuals who offer loans to foreigners based on a reasonable downpayment. To be frank, the interest rates on these loans are typically quite high and should only be considered for very short term financing (one year or less).

4. Financing Based on Property Owned Abroad.

There are a few finance companies in Thailand that offer mortgages and loans for property in Thailand based on properties held overseas, such as your primary residence in the UK or US. Again, contact us for more information.


Please email to admin@jomtien-property.com or call us at +66 (0)86 108 6575

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