Loan questions answered

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.

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.

Happy Home prepares and submits your application; approval, the amount, the interest rate and the terms are decided by the lender alone.

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.

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.

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.