Home loan calculator
Thai banks step the rate: cheap for the first three years, then MRR minus a margin. Your instalment rises after year three, so plan for the higher number.
- Payment, years 1 to 3
- THB 17,626
- Payment after the step-up
- THB 22,880
- Loan amount
- THB 4,050,000
- Total interest over the loan
- THB 3,997,543
| Year | Paid | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | THB 211,510 | THB 130,424 | THB 81,086 | THB 3,968,914 |
| 2 | THB 211,510 | THB 127,749 | THB 83,761 | THB 3,885,153 |
| 3 | THB 211,510 | THB 124,986 | THB 86,524 | THB 3,798,629 |
| 4 | THB 274,556 | THB 213,046 | THB 61,510 | THB 3,737,119 |
| 5 | THB 274,556 | THB 209,479 | THB 65,077 | THB 3,672,042 |
| 10 | THB 274,556 | THB 188,293 | THB 86,263 | THB 3,285,483 |
| 15 | THB 274,556 | THB 160,208 | THB 114,348 | THB 2,773,075 |
| 20 | THB 274,556 | THB 122,981 | THB 151,575 | THB 2,093,846 |
| 25 | THB 274,556 | THB 73,634 | THB 200,922 | THB 1,193,485 |
| 30 | THB 274,556 | THB 8,221 | THB 266,335 | THB 0 |
Transfer-day costs
| Transfer fee | 50 / 50 | THB 90,000 |
| Mortgage registration fee | Buyer pays | THB 40,500 |
| Stamp duty | Seller pays | THB 22,500 |
| Withholding tax | Seller pays | THB 82,500 |
| Buyer pays | THB 85,500 | |
| Seller pays | THB 150,000 |
- Withholding tax uses the Land Department schedule for individuals.
- Appraised value assumed equal to the sale price.
- Estimates from typical rates. Confirm with your bank and the Land Department.