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Compare Home Loans
Compare 3-year average rates, loan limits, terms and conditions across every bank's home loan (data from Bank of Thailand)
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โครงการสินเชื่อซ่อมแซมหรือสร้างที่อยู่อาศัยเพื่อผู้ประกันตนที่ประสบอุทกภัย 9 จังหวัดภาคใต้
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About Home Loans
A Thai bank's home loan rate is rarely the single number on the flyer. Most use a step structure — a lower rate for the first few years, then a floating rate tied to the bank's own MRR or MLR benchmark afterwards. What's worth comparing is not just the 3-year average rate, but also the maximum loan term, the loan-to-value ratio, and the MRTA insurance terms — some banks discount the rate if you take MRTA, others don't tie the two together at all.
CheckDi compiles home loans from banks across Thailand using the Bank of Thailand's public product data, so you can compare rates, loan limits, terms and conditions from every bank in one place, free of charge.
How to choose Home Loans
- Focus on the 3-year average rate, not just the first-year rate — the rate after year 3 usually floats and can run higher than the promo figure suggested.
- Check the loan-to-value (LTV) ratio the bank allows, since it determines how much down payment you need to prepare.
- Compare the maximum loan term — a longer term lowers the monthly instalment but increases the total interest paid over the life of the loan.
- Ask explicitly whether MRTA insurance is required, and if so, how much rate discount it earns.
- Check the loan processing fee and the early-repayment (prepayment) penalty, especially if you plan to make lump-sum payments or refinance later.
- Check borrower eligibility — employment history, minimum income and the occupation types each bank accepts — before applying.
Frequently asked questions
What's the difference between the 3-year average rate and the floating rate after that?
The 3-year average rate is what banks use to communicate the early cost of the loan, usually blending a fixed or promotional rate in the first few years with some floating component. After year 3, most loans switch fully to a floating rate tied to the bank's own MRR or MLR benchmark, which moves with market conditions. Borrowers should budget for the instalment potentially rising once the rate floats after year 3.
What is mortgage refinancing, and is it worth it?
Refinancing means moving your home loan from your current bank to a new one for a lower rate. It's generally done once you're past the early-repayment penalty period on your existing contract. Whether it's worth it depends on the rate difference weighed against the cost of transferring and re-registering the mortgage — calculate both sides before deciding.
What is LTV, and how does it affect my loan?
LTV (Loan to Value) is the loan amount a bank approves relative to the value of the property used as collateral — the higher the LTV, the less down payment you need. The LTV each bank offers depends on the Bank of Thailand's applicable criteria, the type of collateral, and how many existing home loan contracts the borrower already has. Check the current criteria with your bank before applying.
Do I have to take MRTA insurance?
Not every bank requires MRTA insurance, but many offer a rate discount to borrowers who take it alongside the loan. MRTA covers the remaining loan balance if the borrower dies or becomes permanently disabled, so the family isn't left with the repayments. Compare the rate discount you'd get against the premium you'd pay to see whether it's worth it for the cover you want.
How do employment history and income affect the loan amount I can get?
Banks use your regular income and existing debt obligations to calculate your monthly repayment capacity, which determines the maximum loan amount you can be approved for. Those with a short employment history or who are self-employed may need to provide additional income documents, and some banks may shorten the maximum term based on the borrower's age at the end of the contract.
