Plan your home loan with Happy Home
Buy a home with a loan and plan what is left over, or borrow against a home or land you already own. We prepare the documents and the application. The lender makes the decision.
- Documents checked before you apply
- Thai and English
- No promise of approval
- Buy with a loan
- Borrow against property
- Refinance
- Documents checked
- Instalment estimate
- Homes for sale
Three ways to get extra money from property
Pick the one that matches where you are today.
Buy a home and plan the extra cash
When the approved loan is higher than the price you pay, plan what the difference covers: fees, moving in, small repairs.
How it worksBorrow against property you own
Use the value of your house, townhouse, condo or land as security. The lender appraises it and sets the amount.
See the stepsRefinance a loan you already have
Compare another lender for a better instalment or term, and see whether any extra cash is possible.
Ask about itFrom first chat to the lender’s answer
Happy Home prepares and submits your application; approval, the amount, the interest rate and the terms are decided by the lender alone.
Tell us your plan
The home you want or the property you own, your budget and how you earn.
Prepare the documents
We confirm the list with the lender you choose and check your set is complete.
Apply to the lender
We help submit and answer the lender’s requests for more information.
Decision and transfer
The lender decides. If approved, we keep the paperwork on track to transfer day.
Homes for sale with loan support
Every home here is for sale. Ask us about financing it when you enquire.
Extra cash is possible, never promised
The lender sets the amount from its own appraisal, your income and the rules of the day. Sometimes that leaves cash after the seller is paid; often it does not.
- Plan it before you spend it: fees, moving in, a cash buffer
- Compare total cost, not only the monthly instalment
- Give lenders true facts about price, income and debts
Try an instalment estimate
This figure comes only from the numbers you enter. It excludes fees and insurance. The actual rate, amount and approval are the lender’s decision.
Know what to prepare before you apply
The list depends on how you earn: a salary, your own work or a business. Pick yours and see what lenders usually ask for.
- Salaried employees
- Self-employed and freelancers
- Business owners
Start here. Your lender may ask for more.
Apply with the lender you prefer
We prepare your documents against the list of the lender you choose. Logos show lenders customers commonly use; they do not mean an agreement with Happy Home.
Bangkok Bank
Kasikornbank
Siam Commercial Bank
Krungsri (Bank of Ayudhya)
TMBThanachart (ttb)
Government Housing Bank
UOB
CIMB Thai
Kiatnakin Phatra
LH Bank
BAAC
Islamic Bank of Thailand
Thai Credit Bank
Government Savings Bank
Krungthai Bank
ICBC Thai
Questions about borrowing against property
What does "borrowing for extra cash" mean?
When you buy a home with a loan, the lender sets the amount from its own appraisal and rules. Sometimes the approved amount is higher than the price you pay the seller, and the difference reaches you as cash you can plan for fees and moving in. It is never promised: many cases are approved for less than the price.
Can I borrow against a home or land I already own?
Many lenders offer loans secured on property you already own. The lender appraises it, checks any existing mortgage and your income, then decides the amount. We help you gather documents and ask the lender what it needs.
Does Happy Home approve loans?
Happy Home prepares and submits your application; approval, the amount, the interest rate and the terms are decided by the lender alone.
Which documents should I prepare first?
Start with your Thai ID card and house registration, proof of income that matches how you earn, and a list of current debts. Lists differ by lender, so we confirm yours with the lender you choose.
What are the risks of a larger loan?
A larger loan means higher instalments, more total interest and less room if your income changes. Borrow only what you need and can repay, and compare total cost, not only the monthly figure.
How do I start?
Send the short form on this site or message Happy Home on LINE @happyhometh. Tell us what you need and the property; we reply through the channel you chose.
Ready to plan your loan?
Happy Home prepares and submits your application; approval, the amount, the interest rate and the terms are decided by the lender alone.
Loan enquiry - HHEC Loans
Loans site: what you need, property and how to reach you