We have access to the best mortgage products in the given region that we are purchasing in.

Mortgage products: International loans

Eligible customers

  • foreigner aged between 21 years old and 65 years old at the end of loan tenor
  • minimum income of USD 60,000.or SGD 72,000.- per annum for foreigners who have a work permit in Thailand
  • minimum income of USD 85,000 or SGD 100,000.- per annum for other foreigners

Property types

Freehold condominium with minimum value of THB 3 Million (or approx. SGD 120,000)

Property locations

  • Bangkok Metropolis
  • Cha-Am District
  • Hua Hin District
  • Samui District
  • Phuket Province, and Chonburi Province (only limited to Pattaya District, Ampher Muang and Industrial Park areas)

Interest rate (floating rate, subject to change upon bank’s discretion)

Loan in SGD and in USD

  • 1st Year: SG$ prime + 0.75% = 5.75% 1st Year: US$ prime + 2.75% = 6.00%
  • 2nd Year: SG$ prime + 1.25% = 6.25% 2nd Year: US$ prime + 3.25% = 6.50%
  • thereafter: SG$ prime + 1.75% = 6.75% thereafter: US$ prime + 3.75% = 7.00%

SGD prime is currently at 5%, USD prime is currently at 3.25%

Financing terms

Financing term features

Loan purpose
  • owner-occupied
  • investment (for rental purpose only)
Loan quantum
  • up to 70% for property in Bangkok located within 2 km. radius from BTS /MRT / Airport Link / BRT station
  • up to 60% for property located in other areas of Bangkok: Cha-am District, Hua Hin District, Samui District, Phuket Province and Chonburi Province (only limited to Pattaya District, Ampher Muang and Industrial Park areas)

Maximum loan amount = THB 35,000,000
Minimum loan amount = THB 2,000,000

Security legal mortgage of property to be financed

Loan tenure
  • minimum of 3 years
  • maximum of 20 years
Loan currency
  • SGD
  • USD

Loan Repayment

The repayment of principal and interest shall be monthly installment and commencing one month from the date of loan disbursement.

Loan drawdown condition

Loan shall be drawdown only upon payment by the borrower of the difference between the purchase price and the loan amount, subject to completion of loan documents and fulfillment of the conditions precedent.

Loan prepayment

Partial prepayment charged at 1.5% flat rate upon prepaid loan amount.

Full redemption

  • penalty fee of 3% of outstanding amount if fully paid off within the first 3 years
  • penalty fee of 1.5% of prepaid amount if fully paid off for the 4th year onwards

Processing fee

Loan currency processing fee min/ max:

  • SGD 1% of loan amt. SGD 1,000 SGD 5,000
  • USD 1% of loan amt. USD 1,000 USD 5,000

Amendment fee

  • SGD 150 or USD 100 or equivalent is payable upon re-processing/amendment of loan application after the approval of facility
  • cancellation Fee 1.50% of approved loan amount

Processing agency fee

  • THB 5,000 – payable upon 1st year
  • THB 3,500 – payable upon 2nd year onwards

Deposit holding amount in customer’s account

  • 1% of approved loan amount (minimum THB 50,000)

Mortgage registration value

  • 110% of approved loan amount

Other expenses

All expenses including legal/mortgage registration costs, valuation fee, Mortgage Reducing Term Assurance (MRTA) and fire insurance premium shall be payable by the borrower.

Required Documents:

  • complete loan application form
  • complete MRTA application form
  • complete consent form of National Credit Bureau checking
  • photocopy of personal identification card & passport
  • photocopy of working permit in Thailand (if any)
  • photocopy of spousal passport
  • photocopy of marriage certificate/divorce certificate
  • signed copy of sales & purchase agreement, booking agreement or quotation financial documents

For salaries:

  • original employment confirmation letter addressed to the bank confirming basic salary, position, and years of service
  • original computerised pay-slip
  • original salary bank statements for the last 6 months
  • original bank statements of other saving/fixed account
  • photocopy of last 2 years income tax returns

For self-employed:

  • photocopy of company’s registration and shareholders’ list
  • photocopy of company’s bank statement for the last 6 months
  • photocopy of the last 2 years financial statement and recent 2 years income tax returns

List of expenses to be collected on the date of signing loan agreement with the bank

  • valuation Fee THB 2,675
  • processing Agency Fee 1% of approved loan amount (min:$ 1,000, max: $5,000)
  • buffer amount (if FX shortfall) 3% of total purchase price
  • SBLC SWIFT Charge THB 1,000
  • revenue stamp and inward remittance fee THB 530
  • initial year processing agency fee THB 5,000
  • mortgage service fee THB 1,070
  • deposit holding amount 1% of approved loan amount (mininum: THB 50,000)
  • fire insurance premium depends upon valuation price of the property
  • mortgage insurance premium (MRTA) depends upon loan amount and loan tenor


  1. Mortgage Reducing Terms Assurance (MRTA) is mortgage protection, which is a single premium
  2. reducing term assurance contract. The purpose of this insurance is to provide the security to ensure that the insured and his/her family are financially protected in the event of the insured death caused by accident or sickness.
  3. Buffer amount is not referred to expense but will be used as a deposit to customer’s savings account opened at the bank. This amount shall remain in the account as a monthly installment or shall be withdrawn after loan disbursement.
  4. The bank will apply the spot rate on loan disbursement date, therefore we must request customer to deposit the buffer amount equivalent to 3% of purchase price in the event that there is a shortfall on exchange rate. The bank gives privilege to customers by using the on-shore rate for all cases.
  5. Mortgage registration value, which shall be equivalent to 110% of loan amount, is to be declared at the Land Department.
  6. Processing agency fee is an annual fee charged by Law Office
  7. Deposit holding amount will be released after the loan settlement is completed
  8. UOB will provide remittance letter for loan amount.