Set a price, down payment, rate and term and see the real monthly payment, the amortization curve and total interest — then check it against the real financing picture for foreign buyers in Thailand. Free, instant, no paid placement.
Set the home price, down payment, rate and term below — drag a slider or tap Type for an exact number. This models a standard amortizing loan; it doesn’t assert any lender’s actual rate or terms.
| Year | Remaining balance | Principal paid so far | Interest paid so far |
|---|---|---|---|
| 5 | ฿3,649,888 | ฿550,112 | ฿1,479,983 |
| 10 | ฿2,850,414 | ฿1,349,586 | ฿2,710,603 |
| 15 | ฿1,688,542 | ฿2,511,458 | ฿3,578,826 |
| 20 | ฿0 | ฿4,200,000 | ฿3,920,379 |
Run whatever price, rate and term you like above — but if you’re a foreign buyer, most Thai banks won’t lend to you at all. A short list of lenders (UOB Thailand, ICBC Thai, the specialist lender MBK Guarantee, and Bangkok Bank’s Singapore/offshore branch) do run foreigner mortgage programmes, but typically at a lower loan-to-value around 50–70% (50% is a realistic planning number), higher interest rates than a Thai national would see — often in the high-single-digit range onshore — and sometimes a shorter, age-based tenor cap (commonly 10–15 years rather than 25–30). That combination means the numbers this calculator produces for a Thailand condo purchase are illustrative, not a quote you can expect to match a real Thai loan offer at high LTV. Most foreign buyers still pay cash, financed from abroad, or use developer instalment plans instead. See the full breakdown of who lends, real terms, eligibility and the FET remittance requirement in our mortgages-for-foreigners guide.
General information and a self-input estimating tool only — not financial, legal or tax advice. Uses a standard amortizing-loan formula on the figures you enter; it does not model insurance, property tax, HOA/common fees, or a specific lender’s actual underwriting. Confirm real terms with a lender before committing. BAANLYY never takes paid placement.
Every mortgage payment is split between interest (the lender’s charge for the loan, calculated on the remaining balance) and principal (what actually pays down the balance). Early in the loan, most of each payment is interest because the balance is still high; late in the loan it flips, with most of the payment going to principal. The amortization snapshot above shows this shift in five-year steps — remaining balance, cumulative principal paid, and cumulative interest paid — so you can see how the mix changes over the life of the loan rather than just the flat monthly figure.
An extra monthly payment goes straight to principal, which lowers the balance interest is calculated on for every remaining month of the loan. That compounding effect is why a relatively modest extra payment can shave years off a 20 or 25-year term and cut total interest by more than the extra amount itself. Set the extra-payment field to any figure and compare the payoff time and total interest against a ฿0 baseline to see the effect on your own loan size and rate.
This calculator models a standard amortizing loan — it doesn’t know who is borrowing. That matters in Thailand because the terms a foreign buyer can actually get are meaningfully different from what the sliders above will produce at, say, 80% loan-to-value and a Thai-national interest rate. A short list of lenders (UOB Thailand, ICBC Thai, the specialist lender MBK Guarantee, and Bangkok Bank’s Singapore/offshore branch) run foreigner mortgage programmes, but typically at 50–70% loan-to-value (50% is a realistic planning number for non-residents), higher interest rates than a Thai national would see — often in the high-single-digit range onshore — and sometimes a shorter, age-based tenor cap of 10–15 years rather than 25–30. The unit itself must usually qualify too: lenders almost always require a foreign-freehold condo inside the building’s 49% foreign-ownership quota, with land, houses and leasehold units generally off the table. Because of this gap, most foreign condo purchases in Thailand are still funded in cash (remitted under the FET rule), through developer instalment plans, or via a mortgage taken out in the buyer’s home country — not a local Thai loan at high LTV. See the full lender list, eligibility, documents and the FET requirement in our mortgages-for-foreigners guide.
It doesn’t quote any bank’s actual rate, fees or underwriting criteria — every figure is yours to set. It doesn’t model property tax, homeowners/building insurance, common-area (HOA) fees, mortgage insurance, or a lender’s specific valuation, all of which can change the real monthly cost of ownership. And it isn’t financial advice. Treat the output as a clean, transparent illustration of loan mechanics on your numbers, then confirm real terms with an actual lender before committing — especially the foreign-buyer LTV, rate and tenor reality described above if you’re financing a Thailand purchase as a non-resident.
See the full break-even between renting and owning over your own holding period.
General information and a self-input estimating tool only — not legal, financial or tax advice. Uses a standard amortizing-loan formula on the figures you enter; it does not model insurance, property tax, HOA/common fees, or any specific lender’s underwriting. Foreign-buyer LTV, rate and tenor figures reflect general market norms reported across Thai foreigner-mortgage programmes and can change — confirm current terms directly with a lender. BAANLYY never takes paid placement.