How
to get loan?
Is it possible for foreigners to get a loan to buy
a property in Thailand ?
The answer is YES ! You can get the loan from Thai bank
not the developer. Anyway, there are some restrictions
involved with the foreigner qualifications to get loan.
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Foreign
loaner restriction
You
have to apply for the loan in the name of Thai spouse.
If your spouse doesnt have any job , income or unemployed
such as housewife. You have to be the guarantor to pay
for a dept monthly installments. |
Foreign
loaner qualifications
| 1. |
Have
Thai spouse or family in Thailand [ should have
a marriage registration and use Thai name to apply
for the loan. ] |
| 2. |
Have
a stable job and steady income. |
| 3. |
Have
a job or business in Thailand. If you ve got work
permit , should be more than 1 year. |
| 4. |
Have
lived in Thailand for a long time or plan to live
in a long term. |
| 5. |
Apply
form a loan less than 50 % of the selling price.
If you need more than 50 % such as 60-70 % , you
should have a strong and stable income. |
| 6. |
Pay
for a dept installment in a short term such as 5
years- 10 years. |
|
| As
you can see that , getting the loan of foreigners to buy
a property in Thailand is possible and the interest rate
is quite low approximately between 2-5 %. However paying
by cash is easier and convenient.. That s why most foreigners
prefer to pay by cash 100 % of the selling price. |
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เอกสารประกอบการกู้
- บัตรประชาชน
/ บัตรข้าราชการ
- ทะเบียนบ้าน
- ใบเปลี่ยนชื่อสกุล
(ถ้ามี)
- สำเนาโฉนดที่ดิน
- สัญญาจะซื้อจะขาย
- statement
ย้อนหลัง 6 เดือน
- ใบรับรองเงินเดือนหรือใบแสดงรายได้
- ทะเบียนการค้า
/ หนังสือรับรองการจดทะเบียนนิติบุคคล
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