{"id":12611,"date":"2026-11-09T08:54:02","date_gmt":"2026-11-09T01:54:02","guid":{"rendered":"https:\/\/www.thailawonline.com\/thai-legal-news\/new-guide-three-missed-payments-and-thirty-days-not-two-and-none\/"},"modified":"2026-11-09T08:54:02","modified_gmt":"2026-11-09T01:54:02","slug":"new-guide-three-missed-payments-and-thirty-days-not-two-and-none","status":"publish","type":"tlo_legal_news","link":"https:\/\/www.thailawonline.com\/fr\/thai-legal-news\/new-guide-three-missed-payments-and-thirty-days-not-two-and-none\/","title":{"rendered":"Nouvelle directive : trois paiements en retard et trente jours, pas deux et aucun"},"content":{"rendered":"<p>La plupart des voitures et des motos en Tha\u00eflande sont achet\u00e9es sur <b>Location-vente<\/b>, C\u2019est un pr\u00eat assorti d\u2019une promesse de vente, et non un pr\u00eat. La soci\u00e9t\u00e9 financi\u00e8re d\u00e9tient le v\u00e9hicule jusqu\u2019\u00e0 ce que le dernier paiement soit effectu\u00e9, et le registre de la voiture reste \u00e0 son nom.<\/p>\n<p>Depuis <b>10 January 2023<\/b> a controlled-contract notification has capped the effective rate at <b>10 per cent<\/b> for a new car, <b>15 per cent<\/b> for a used one and <b>23 per cent<\/b> for a motorcycle, all on a reducing balance, and it requires <b>trois<\/b> consecutive missed instalments plus <b>30 jours<\/b> written notice before the vehicle can be taken. That displaces the two-instalment rule in <b>Article 574<\/b> of the Civil and Commercial Code. Our new guide also covers the 20 day right to buy the vehicle back ahead of the auction, and the discount owed on unaccrued interest when you settle early.<\/p>\n<p>\u21aa <a href='https:\/\/www.thailawonline.com\/fr\/hire-purchase-in-thailand\/'>Hire purchase in Thailand: car repossession rules<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Most cars and motorbikes in Thailand are bought on hire purchase, which is a hire with a promise of sale [&hellip;]<\/p>\n","protected":false},"featured_media":12632,"template":"","meta":{"pmpro_default_level":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"tlo_news_type":"","tlo_source_url":"","tlo_impact":"","tlo_effective_date":"","tlo_source_ref":"","tlo_featured_media_th":12633,"tlo_featured_media_fr":12634,"tlo_reviewed_on":"","tlo_reviewed_by":"","tlo_edited_by":"","tlo_changelog":"","tlo_authority_on":"","tlo_box_sections":"","tlo_box_cases":""},"tlo_news_topic":[],"tlo_news_profile":[],"tlo_news_impact":[],"class_list":["post-12611","tlo_legal_news","type-tlo_legal_news","status-publish","has-post-thumbnail","hentry","pmpro-has-access"],"_links":{"self":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/legal-news\/12611","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/legal-news"}],"about":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/types\/tlo_legal_news"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/media\/12632"}],"wp:attachment":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/media?parent=12611"}],"wp:term":[{"taxonomy":"tlo_news_topic","embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/tlo_news_topic?post=12611"},{"taxonomy":"tlo_news_profile","embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/tlo_news_profile?post=12611"},{"taxonomy":"tlo_news_impact","embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/tlo_news_impact?post=12611"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}