Home loan for foreigners in Thailand
Keller Henson Team
Published on June 1, 2025
Updated February 2026
Getting a home loan for foreigners in Thailand is technically possible, under conditions. Foreigners can possibly get a loan to purchase real estate in Thailand, whether it is for residential purpose or investment, you can expect to get financing options from a few banks only, or directly from the vendor in some cases. Essentially, with the banks, the property must be in foreign freehold terms with a title deed ("chanote") available hence no off-plan properties, vendor financing is upon vendors, often more flexible. Let's have a look at the housing loan options in Thailand and conditions that apply to foreigners will to buy and finance a property.
Home loan for foreigners in Thailand with banks
Only 1 Bank in Thailand can offer home loans to foreigners:
Conditions for foreigners to finance a condominium in Thailand from a bank
The applicant must be between 21 and 65 years old.
Minimum income of approx. 100,000 SGD per year or equivalent.
Variable interest rate based on Singapore 3M Compounded Sora. Fixed interest rate available for the first 3 years of the loan.
Freehold condominium with minimum value THB 3 Million.
Financing only in selected areas: Bangkok and few upcountry locations
Capped to a maximum of 70% Loan to Value when having a work permit in Thailand/Singapore. Capped to a maximum of 60% Loan to Value without work permit in Thailand/Singapore.
Minimum Loan amount of THB 2 Million.
30 years loan tenor maximum.
3 years loan tenor minimum.
Preferentially stable income and good credit.
Loan available in SGD from UOB Singapore. (Loan in foreign currency required to receive the FET for ownership transfer)
Interest rate around 6.05% to 7.80% (minimum interest is 3M Compounded SORA + 4.55% / maximum interest is 7.80%).
Limited to applicant's residence country having UOB Bank presence: Australia, Brunei, Canada, France, Hong Kong, Macau, India, Indonesia, Japan, Malaysia Myanmar, Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam, UK and USA.
Bank home Loans in Thailand
Foreigners non-resident in Thailand are eligible to apply for a bank loan to purchase a freehold condominium in Thailand at UOB or ICBC. Here below are the main conditions and values for each bank:
Update February 2026 | UOB Bank |
Eligible Applicant: | Non-residents |
Age: | 21-65 years old |
Property Type: | Freehold condominium |
Property Value: | Min. 2,000,000 THB |
Max Loan To Value: | Max. 70% |
Minimum Loan Amount: | Min. 2,000,000 THB |
Loan Tenure: | 3-30 years |
Interest Rate: | Min. 3M Compound SORA + 4.55% |
Currency: | SGD |
UOB BANK HOME LOAN APPLICATION
UOB Bank Thailand Foreign Housing Property - Loan Terms, Conditions & Eligibility 2025
Get a loan directly from the vendor - Vendor financing
Foreigners non-resident in Thailand, in some cases, can apply to a loan directly from the vendor, it is possible to get vendor financing with a few developers only. The Conditions for one to obtain are usually more flexible than a with a bank, virtually possible to get a finance for an off-plan property at a fixed interest rate. However, the loan amount in with a vendor financing is usually capped to 50% of the property price and limited to a short period of time. The transfer of ownership to the buyer occurs only when the property and loan interests are paid back in full.
Conditions for foreigners to get vendor financing in Thailand
The applicant must be between 21 and 65 years old.
Minimum income of approx. 100,000 THB per year.
fixed interest rates from 4 to 8%
Freehold and leasehold condominium units from the developer
from the developer's real estate development only
Loan capped to a max 40% unit Value if outside of Thailand.
Max 15 years for foreigners out of Thailand
Properties available for sale in Thailand with vendor financing:
FAQs: Home Loan for Foreigners in Thailand
Only two banks in Thailand currently offer home loans to foreigners: UOB Bank and ICBC Bank. Both have specific eligibility requirements, and loans are available for freehold condominiums.
Yes, non-resident foreigners can apply for home loans with UOB Bank and ICBC Bank under specific conditions. However, non-residents from certain countries, like Hong Kong, have exclusive access to ICBC loans.
Not with a bank at least, since bank loan applications require the property to be registered at the Land department as a condominium with a valid title deed for the unit to be financed. The title deeds of the condominium units are issued only a few months prior to completion in the case of off - plan condominiums or condominiums in construction.
Vendor financing allows foreigners to secure a loan directly from the property developer rather than a bank. The conditions are often more flexible, but the loan amount is usually capped at 50% of the property's price, and the loan term is shorter.
Yes, foreigners are generally restricted to financing freehold condominiums through Thai banks, as leasehold properties and land are not eligible. However, vendor financing offers an alternative option for foreigners, where developers may provide direct loans for both freehold and leasehold properties. Vendor financing is often more flexible but typically covers a smaller loan amount and has shorter repayment terms than bank loans.
