Bank lån till utlänningar i Thailand

[challenger98]

Below is a list of several banks in Thailand along with their various policies and criteria on servicing loans to foreigners.

Bangkok Bank PCL.

Bangkok Bank in Thailand itself does not provide loans for foreigners under any circumstances. Only Bangkok Bank in Singapore provides this service to foreigners.

Bank of Ayudhaya PCL.

Bank of Ayudhaya does not offer loans to foreigners at this present moment.

HSBC

HSBC does provide loans to foreigners under the following conditions:

Residence Permit, 1 year work permit, letter of employment, company’s documents or other pertinent documents upon request. Bank will grant loans for foreigners based on the current market value:

- Condominium 70% of the value and Land and House up to 80% of the value.

- An amortization period of 7 years.

Kasikorn Bank

Kasikorn Bank does not offer loans to foreigners at this present moment.

Siam Commercial Bank PCL. (SCB)

Provides loans for foreigners under the following conditions:

1 year work permit, consideration based on rate of salary, background check for the employment and credit rating.

The foreigner can receive a loan for a condominium or house.

A joint loan can only be obtained between blood relations.

Amortization period of between 5-7 years.

For personal loans, SCB only grants credit cards, but not for personal business loans.

Thai Military Bank PCL. (TMB)

Provides loans for foreigners (only condominiums) under the following conditions:

2 year work permit or 2 years residence permit, passport,

UOB Public Company Limited

UOB in Thailand provides loans for foreigners under the following conditions:

A loan for landed property can be obtained by a foreigner if it is applied jointly with a Thai spouse.

UOB has launched the new International Home Loan Scheme for Thailand to allow foreigners access to financing when they wish to buy condominiums in Thailand. This is a joint financing program between UOB in Thailand and UOB in Singapore. Loans will be obtained in UOB in Singapore and secured by SBLC which will then be issued by UOB in Thailand which will in turn register the mortgage locally.

UOB in Thailand suggests that the entire application procedure can be done within Thailand without the applicant going to Singapore.

Tisco Bank

Provides loans for foreigners for condominium under the following conditions:

1 years work permit.

Tisco will grant loans for foreigners based on the market value of the property: offers lending for condominiums for up to 70% of its value.

foreigners can borrow a maximum of 5 million Baht and not less than 700,000 Baht.

Amortization rate of 10 years.

Standard Charter Bank (Thai) Public Company

Standard Chartered does not offer loans to foreigners at this present moment.

Hej,

Jag tänke försöka att liska ut vilka möjlighter det finns/fanns att finansiera min lägenhet genom Banker i Thailand och fick fram följande svar:

Tyvärr så har jag inget 1 års visa till Thailand men nu vet jag vilka regler och bestämmelser som gäller får fortsätta mitt projektlån där betalningsplanen är hårt med återbetalning.

kan vara bra information för andra medlemmar som funderar med köp.

mvh challenger98