Calculators
Home loan checker: how much can you borrow?
Enter your income and debts to see how much home loan you can get, what you'd pay each month, and what price you can afford — about 2 minutes.
Who's borrowing?
Up to 4 borrowers — combined income raises the limit
Main borrower
Occupation
How much home loan can I get on my salary?
In short: with no other debts, a 30,000 THB monthly salary can borrow about 1.28–1.42M THB, and 50,000 THB about 2.46–2.73M THB (30-year loan at 6.63%). Your real figure depends on existing debts, age and income type — use the calculator above for yours.
| Monthly salary (THB) | Estimated loan (THB) | Max payment/mo |
|---|---|---|
| 15,000 | 390,000 – 440,000 | 2,800 |
| 20,000 | 690,000 – 760,000 | 4,900 |
| 25,000 | 980,000 – 1,090,000 | 7,000 |
| 30,000 | 1,280,000 – 1,420,000 | 9,100 |
| 35,000 | 1,570,000 – 1,750,000 | 11,200 |
| 40,000 | 1,870,000 – 2,080,000 | 13,300 |
| 50,000 | 2,460,000 – 2,730,000 | 17,500 |
| 60,000 | 3,050,000 – 3,390,000 | 21,700 |
| 70,000 | 3,640,000 – 4,040,000 | 25,900 |
| 80,000 | 4,230,000 – 4,700,000 | 30,100 |
| 100,000 | 5,410,000 – 6,010,000 | 38,500 |
| 150,000 | 8,360,000 – 9,290,000 | 59,500 |
What banks look at
- Debt-to-income (DSR) — the new mortgage plus every other debt usually can't exceed about 40% of income. This calculator uses 42% and keeps 3,500 THB for living costs.
- Income type — a documented salary counts in full; irregular income such as bonus, commission or freelance counts at about 55–72% depending on evidence.
- Age and term — the last payment must fall before about age 65, so older borrowers get shorter terms and smaller loans.
- Second home and beyond — if you're still paying off another home, the new loan is capped by the Bank of Thailand LTV rules, so you'll need a down payment.
Frequently asked questions
How much home loan can I get on a 30,000 THB salary?
With no other debts, about 1,280,000–1,420,000 THB, with a payment of up to about 9,100 THB a month (30 years at 6.63%). Car or credit-card payments reduce it.
How many times my salary can I borrow?
Roughly 47–60 times your monthly salary for salaries of 30,000–100,000 THB with no other debts. Lower salaries get a lower multiple because living costs take a bigger share.
Can I get a home loan with a car loan or credit-card debt?
Yes, but existing payments come out of what's left for the mortgage. Every 1,000 THB a month of other debt cuts the loan by about 160,000 THB, so clearing small debts before applying helps a lot.
Does a co-borrower help me borrow more?
Yes. The bank adds up every borrower's income — and every borrower's debts. Up to 4 people can borrow together, usually spouses or relatives.
Can freelancers or business owners get a home loan?
Yes, but banks count only part of irregular income and usually ask for 6–12 months of statements. Self-employed applicants should have at least 2 years of income history.
Is this result a loan approval?
No. It's a preliminary estimate from what you entered. Each bank has its own criteria and checks real documents before approving.
Where does the interest rate come from?
The default is 6.63% a year — the median MRR of Thai commercial banks from Bank of Thailand statistics as of September 15, 2026. You can change it to the rate a bank actually offers you.
Rate data updated September 15, 2026 · bot.or.th