Affordability
What the purchase actually needs in cash
Most foreign buyers of Thai condominiums complete in cash, so the first useful question is not what you could borrow — it is what the purchase needs and whether what you hold reaches it. Enter your own figures below; everything shown is arithmetic on those figures.
Indicative only. Lending decisions rest with the lender. We make no offer of credit, quote no rate and give no financial advice.
Start from the reality
Cash is the base case, not the fallback.
Thai banks lend to non-resident foreigners for a condominium only in limited and conditional circumstances — a small number of lenders, usually in a foreign currency rather than baht, assessed case by case. The majority of foreign purchases here are therefore completed without a Thai mortgage: from savings, from borrowing raised in the buyer's home country, or on a developer's instalment plan (public bank programme information and market guidance, reviewed July 2026; the banks do not publish non-resident condominium terms, so any figure must be confirmed with the lender directly).
One requirement holds whichever route you take. To register a unit in a building's foreign-ownership quota, the purchase funds must be brought into Thailand from abroad in foreign currency and recorded — the receiving bank issues the Foreign Exchange Transaction evidence the Land Department needs at transfer. The money moves between your own bank, the seller or developer, and the Land Department: Suwanvara Property never receives or holds purchase funds.
Indicative only. Lending decisions rest with the lender. We make no offer of credit, quote no rate and give no financial advice.
Affordability planner
Indicative only
Every field is yours. Nothing you type leaves this browser, no figure below is a quotation, and none of it says whether any lender would advance anything.
Your figures
What you can actually apply to the purchase. Enter zero if you would rather see the cost side alone.
Furnishing, legal fees, moving, the first year's common fee — whatever you want inside the total. Starts at zero because we do not know yours.
The indicative picture
Enter a price to begin
Nothing is computed until you put a target price in. There is no default price, because we do not know what you are looking at.
What this assumes
- Every input is yours. There is no assumed price, deposit, rate, term or loan-to-value anywhere in the arithmetic.
- The government charges are computed on the price you entered, at the rates used across this site. They are actually assessed on the Land Department's appraised value — normally lower — so the figure is a planning ceiling, not a bill.
- The buyer/seller split is the customary one and is negotiable. On a new development, Thai law caps what a developer may pass to a buyer at half the transfer fee; a developer's own promotion may change the position again, and the development's own page states its terms.
- The purchase price itself, the foreign-quota position and the transfer conditions are subject to confirmation, as everywhere on this site.
- Figures are in Thai baht. Where you fund from another currency, the rate that matters is the one your bank gives on the day the funds arrive.
What this is not
- Not a pre-approval, an eligibility decision or an assessment of you. We run no check and hold no lender's criteria.
- Not an offer of credit, a quotation or a rate offer. Suwanvara Property does not broker, arrange or guarantee financing.
- Not financial, tax or legal advice, and not a recommendation of any lender, product or purchase.
- Not a projection. Nothing here forecasts rent, yield, resale value or capital growth.
Indicative arithmetic on figures you entered. Lending decisions rest with the lender; availability, rates and conditions are the lender's to set and to confirm.
How the transfer fees and taxes are worked outThe next step is a conversation
Discuss financing options with us
Tell us the figure you are working to and how you are thinking of funding it. We will set out the practical steps for that route and what to confirm with whom — not an offer, an assessment or a promise of credit.
Our part in it
What we do, and what we do not.
We do
- Set out the routes a non-resident actually has, with the source and the date beside each claim.
- Talk through the practical sequence for the route you choose — the reservation, the transfer of funds, the timing, and what has to be in place before the transfer date.
- Coordinate the property side: availability, current pricing, foreign-quota position — each subject to confirmation with the developer or seller.
- Introduce Suwanvara Law Firm, under a separate engagement, if you want the title and the contract reviewed.
We do not
- Broker, arrange, introduce or guarantee financing, and we make no offer of credit.
- Assess your eligibility, predict an approval, or say that you qualify for anything.
- Give financial, mortgage, tax or investment advice, or recommend a lender or a product.
- Receive or hold purchase funds. Money moves between your own bank, the seller or developer, and the Land Department.
For a foreign-freehold registration the purchase funds must come from abroad in foreign currency and be recorded — plan that transfer early, whichever way you fund the purchase.
Sending purchase funds into ThailandThis is general information for foreign buyers, not financial or legal advice. Suwanvara Property does not broker, arrange or guarantee financing and gives no assurance of loan approval; availability, rates and conditions are set by the lender and subject to the lender's assessment. Figures shown are indicative and are not a quotation, a rate offer or a prediction of approval. Confirm current terms directly with the lender.
Property information, pricing, promotions, foreign ownership availability and transfer conditions are subject to confirmation. Publication of a property does not constitute legal verification or a guarantee of ownership, condition, investment return or transferability.
Suwanvara Property may receive brokerage compensation when a transaction is completed. Legal services, where requested, are separately provided by Suwanvara Law Firm under a separate engagement. Clients remain free to appoint another legal adviser.
In case of any discrepancy between language versions, the English version prevails. / กรณีข้อความหลายภาษาไม่ตรงกัน ให้ยึดฉบับภาษาอังกฤษเป็นหลัก / 如各语言版本存在差异，以英文版本为准。 / 各言語版の間に相違がある場合は、英語版が優先します。 / В случае расхождений между версиями на разных языках преимущественную силу имеет версия на английском языке. / 각 언어 버전 간에 차이가 있는 경우 영문본이 우선합니다. / En cas de divergence entre les versions linguistiques, la version anglaise prévaut. / Bei Abweichungen zwischen den Sprachfassungen ist die englische Fassung maßgeblich.