Mortgage Calculator for Thai Home Loans
Plan your home loan before you sign. Enter a loan amount — or a home price and down payment — with your interest rate and term to see the monthly payment, total interest and a year-by-year amortization schedule. Add an extra monthly payment to see the time and interest you save. The affordability tab back-solves the biggest loan your income supports at a given DSR. Everything runs in your browser, with nothing sent to a server.
Loan amount: —
The average effective rate over the whole loan. Thai home loans are often around 3–6%.
Most Thai mortgages run 20–40 years. A longer term lowers the payment but adds interest.
Pay this on top of the required instalment to clear the loan sooner and save interest.
Your total gross monthly income used to assess the loan.
Other monthly obligations — car loans, credit cards, personal loans.
The share of income banks let go to debt repayment. Thai banks commonly use 40%.
Your results will appear here
Enter a loan amount, interest rate and term to see the payment breakdown.
Monthly payment The fixed instalment for principal and interest (excludes insurance and fees).
—
Total interest All interest paid over the life of the loan.
—
Total paid Loan amount plus all interest — the total you repay.
—
Loan amount The financed amount (home price minus down payment).
—
Effect of extra payments
Time saved
—
Interest saved
—
Paying extra each month shortens the loan and cuts total interest, assuming the rate stays the same.
Amortization schedule
| Period | Payment | Principal | Interest | Balance |
|---|
Estimate only. Actual figures depend on your bank, insurance, fees and rate changes.
Max monthly payment Income x DSR, minus your existing monthly debt.
—
Max loan amount The largest loan that fits the max payment at this rate and term.
—
Interest over term Total interest if you borrow the maximum for the full term.
—
This is a rough guide. Banks also weigh your credit record, age, loan-to-value limit and job stability.
Estimate only. Actual figures depend on your bank, insurance, fees and rate changes.
How to use
- Open the Monthly payment tab and enter your loan amount, or switch to home price plus a down payment.
- Type your annual interest rate and loan term in years; the monthly payment updates instantly.
- Add an optional extra monthly payment to see how many months and how much interest you save.
- Review the amortization schedule year by year, or tick the box for month-by-month detail.
- Switch to the Affordability tab, enter your income, existing debt and DSR to find your maximum loan.
- Copy the summary or download the full schedule as a CSV for your records.
Features
- Reducing-balance monthly payment, total interest and total paid
- Start from a loan amount or from a home price plus down payment (% or ฿)
- Year-by-year amortization schedule, expandable to month-by-month
- Extra-payment mode shows months and interest saved
- Affordability tab back-solves the maximum loan from income, debt and DSR
- Copy summary or export the schedule to CSV — all in your browser