Home Loan Calculator — Thailand
Estimate your monthly home loan payment in THB using Thailand's typical rates, and see the full interest cost. No signup, no tracking.
Local rates & providers
Home loan rates ≈ 5–7% p.a. (MRR−2.5% to MRR−1.5%). BOT policy 1.00% (Feb 2026, lowest since 2022). Major banks: Bangkok Bank, KBank, SCB, Krungthai, TMBThanachart, Krungsri (BAY).
Reference figures, ~2026. The Bank of Thailand (BOT) sets the policy rate; your offered rate depends on your profile, deposit and the lender. Verify current rates before deciding.
Worked example
For every ฿1,000,000 borrowed at 6.00% over 20 years:
- Monthly payment: ฿7,164
- Total repaid: ฿1,719,435
- Total interest: ฿719,435
Scale this to your loan amount — e.g. ฿3,000,000 costs about 3× these figures. A larger deposit and shorter term cut the interest sharply.
Frequently Asked Questions
How is the home loan payment calculated in Thailand?
Lenders use the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months. The fin·calc tool applies the same formula with Thailand's typical rate.
What is the current home loan rate in Thailand?
As a 2026 reference, typical rates are around 6.0% per year, linked to the Bank of Thailand (BOT) policy rate. Home loan rates ≈ 5–7% p.a. (MRR−2.5% to MRR−1.5%). BOT policy 1.00% (Feb 2026, lowest since 2022). Major banks: Bangkok Bank, KBank, SCB, Krungthai, TMBThanachart, Krungsri (BAY).
How much deposit do I need?
A larger down payment lowers both your rate and total interest, and reduces the lender's risk. Most lenders also add valuation, legal and registration costs on top of the deposit.
Can I reduce the total interest?
Yes — a bigger deposit, a shorter term, and extra or early repayments all cut total interest significantly. Use the prepayment option in the calculator to see your exact saving.