Mortgage Laws Thailand: Home Financing Options
How mortgage laws in Thailand work under the Civil and Commercial Code, which home financing options are open to foreigners, what they cost and what happens on default.
Property and real estate law in Thailand: buying, leasing, usufruct, title deeds and foreign ownership.
How mortgage laws in Thailand work under the Civil and Commercial Code, which home financing options are open to foreigners, what they cost and what happens on default.
A buyer faked a lost chanote, got a new deed and sold the land. Dika 914/2569 shows how Thai courts punish title deed fraud and compensate victims.
What changed: Nothing in the foreign ownership quota. Proposals to raise the condominium foreign quota from 49 percent to 75
A paper title deed looks powerful, but the Land Office register is what controls the official record. Supreme Court Decision
What changed: Transfer and mortgage registration fees are cut to 0.01% on qualifying residential property up to 7 million baht.
Updated August 17, 2026. Order 2/2569 took effect on August 1: the DBD now traces Thai shareholder capital end to end before registering a company with foreign participation. Bank statements on both sides of the transfer plus a signed Investment Explanation Letter are checked at the counter, and Ord
The provisions cited throughout this page, Land Code sections 86 to 96, are reproduced in full in Chapter 8 of
This article has been merged into the current guide. Follow the link for the updated information.
Thailand’s regulatory landscape presents unique challenges for foreign investors seeking majority control of their business ventures. The Foreign Business Act (FBA) of 1999 has strict rules for foreigners seeking to obtain a foreign business license in some areas. However, there are legal ways to have 100% foreign control. It is important for expatriate entrepreneurs and international businesses to understand the foreign business act B.E. mechanisms. This knowledge helps them build a strong presence in the Thai market.
TL;DR, Under Thai law the longest enforceable land lease is thirty years. Any promise of automatic renewals to create a “30 + 30 + 30” or 90-year lease in Thailand is void. The Supreme Court has ruled several times that such pre-signed extensions are not binding. If you want long-term security, you need a […]