{"id":1821,"date":"2026-04-18T17:01:02","date_gmt":"2026-04-18T10:01:02","guid":{"rendered":"https:\/\/www.thailawonline.com\/glossary\/mortgage\/"},"modified":"2026-10-06T11:46:19","modified_gmt":"2026-10-06T04:46:19","slug":"mortgage","status":"publish","type":"page","link":"https:\/\/www.thailawonline.com\/fr\/glossary\/mortgage\/","title":{"rendered":"Hypoth\u00e8que (Jamnong) en Tha\u00eflande"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><p>A <strong>hypoth\u00e8que<\/strong> (\u0e08\u0e33\u0e19\u0e2d\u0e07, <em>jamnong<\/em>, \u00e9galement romanis\u00e9 <em>chamnong<\/em>) en Tha\u00eflande est un droit de s\u00fbret\u00e9 sur un bien immobilier, ou certains biens meubles enregistrables tels que des navires et des machines enregistr\u00e9es, cr\u00e9\u00e9 en vertu des articles 702 et suivants du <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/thai-civil-and-commercial-code\/\">Code civil et commercial<\/a> et enregistr\u00e9 au <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/land-office\/\">Bureau foncier<\/a>. Le d\u00e9biteur hypoth\u00e9caire conserve la propri\u00e9t\u00e9 et la possession du bien ; le cr\u00e9ancier hypoth\u00e9caire obtient le droit, si la dette garantie n'est pas pay\u00e9e, de faire vendre le bien par ordonnance judiciaire et d'\u00eatre pay\u00e9 sur le produit de la vente par priorit\u00e9 sur les cr\u00e9anciers ordinaires. Les \u00e9trangers rencontrent les hypoth\u00e8ques en tant qu'emprunteurs pour l'achat de condominiums, en tant que pr\u00eateurs \u00e0 un partenaire tha\u00eflandais, et en tant qu'acheteurs v\u00e9rifiant qu'un acte de propri\u00e9t\u00e9 est libre de charges.<\/p><\/p>\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table des mati\u00e8res<\/h2><nav><ul><li><a href=\"#how-a-mortgage-works-under-the-civil-code\">Comment fonctionne une hypoth\u00e8que en vertu du Code civil<\/a><\/li><li><a href=\"#practical-points-for-a-foreigner\">Points pratiques pour un \u00e9tranger<\/a><\/li><li><a href=\"#mortgage-compared-with-kaifak-and-pledge\">Hypoth\u00e8que compar\u00e9e au kaifak et au gage<\/a><\/li><li><a href=\"#frequently-asked-questions\">Foire aux questions<\/a><\/li><\/ul><\/nav><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"how-a-mortgage-works-under-the-civil-code\">Comment fonctionne une hypoth\u00e8que en vertu du Code civil<\/h2>\n\n\n<p class=\"wp-block-paragraph\"><p>L'article 702 d\u00e9finit l'hypoth\u00e8que comme un contrat par lequel le constituant affecte un bien au cr\u00e9ancier hypoth\u00e9caire \u00e0 titre de garantie sans en effectuer la livraison. En vertu de l'article 714, le contrat doit \u00eatre \u00e9tabli par \u00e9crit et enregistr\u00e9 par le fonctionnaire comp\u00e9tent, ce qui, pour les terrains et les unit\u00e9s de copropri\u00e9t\u00e9, signifie le Bureau foncier ; l'hypoth\u00e8que est ensuite inscrite au dos du <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/chanote\/\">chanote<\/a> ou de copropri\u00e9t\u00e9. L'enregistrement indique le montant garanti, et l'article 733 pr\u00e9voit que si le produit de la vente est insuffisant, le d\u00e9biteur n'est pas responsable du solde, \u00e0 moins que le contrat n'en dispose autrement, une r\u00e8gle \u00e0 laquelle les banques d\u00e9rogent syst\u00e9matiquement par contrat.<\/p><\/p>\n\n\n<p class=\"wp-block-paragraph\"><p><strong>L'ex\u00e9cution passe par le tribunal.<\/strong> The mortgagee must first give the debtor written notice to pay within a period of at least 60 days from receipt, and only then sue for an order that the property be seized and sold at public auction (Section 728); where the mortgagor is securing someone else&#8217;s debt, the mortgagor must be sent the notice within 15 days. Foreclosure, where the mortgagee takes the property instead of a sale, is available only where no other mortgage or preferential right is registered, interest has been unpaid for five years, and the property is worth less than the debt (Section 729). Any agreement departing from Sections 728, 729 or 735 is void (Section 714\/1). Once the debt is due, the mortgagor may also require the mortgagee to sell the property at auction without going to court, and the mortgagee then has one year to do so (Section 729\/1). A person who mortgages property to secure someone else&#8217;s debt is liable only to the extent of that property (Section 727\/1, added in 2014).<\/p><\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"practical-points-for-a-foreigner\">Points pratiques pour un \u00e9tranger<\/h2>\n\n\n<p class=\"wp-block-paragraph\"><p>L'enregistrement est effectu\u00e9 par les deux parties, ou leurs mandataires munis d'une <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/tor-dor-21\/\">Tor Dor 21<\/a> <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/power-of-attorney\/\">procuration<\/a>, at the Land Office holding the title. The fee is 1% of the amount secured, capped at 200,000 baht, and there is no stamp duty on the mortgage itself. A foreigner may be the mortgagee: the Land Code bars foreigners from owning land, not from lending against it, so a foreigner who advances money to a Thai spouse or business partner can take a registered mortgage over their land and, on default, be paid out of the auction proceeds. What the foreigner cannot do is buy in at the auction.<\/p><\/p>\n\n\n<p class=\"wp-block-paragraph\"><p><strong>En tant qu'emprunteur<\/strong>, a foreigner can mortgage a condominium unit held in their own name, and a small number of lenders offer such loans, usually at higher rates and lower loan-to-value ratios than for Thai borrowers. The common mistake among buyers is the reverse one: paying for a plot or unit without a fresh title search, then discovering a mortgage on the back page. A registered mortgage follows the property to the new owner, who must clear it or lose the property at auction. The mortgagee must give that new owner at least 60 days&#8217; notice before enforcing (Section 735), and a new owner who is not the debtor, a guarantor or their heir may redeem by offering the registered creditors a sum fair to the value of the property; a creditor who refuses must sue for an auction within a month and bid more than the offer (Sections 736 to 739).<\/p><\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"mortgage-compared-with-kaifak-and-pledge\">Hypoth\u00e8que compar\u00e9e au kaifak et au gage<\/h2>\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Caract\u00e9ristique<\/th><th>Hypoth\u00e8que (jamnong)<\/th><th>Kaifak (vente \u00e0 r\u00e9m\u00e9r\u00e9)<\/th><th>Gage (jamnam)<\/th><\/tr><\/thead><tbody><tr><td>Sections du CCC<\/td><td>\u00c0 partir de 702<\/td><td>491 \u00e0 502<\/td><td>747 et au-del\u00e0<\/td><\/tr><tr><td>\u00c0 qui appartient le bien pendant le pr\u00eat<\/td><td>Emprunteur<\/td><td>Cr\u00e9ancier, jusqu'au rachat<\/td><td>Emprunteur<\/td><\/tr><tr><td>Qui d\u00e9tient le bien<\/td><td>Emprunteur<\/td><td>Habituellement le pr\u00eateur<\/td><td>Pr\u00eateur<\/td><\/tr><tr><td>Inscrit au bureau de la conservation fonci\u00e8re<\/td><td>Oui<\/td><td>Oui, en tant que vente<\/td><td>Non, les biens meubles seulement<\/td><\/tr><tr><td>Cons\u00e9quence du non-paiement<\/td><td>Vente aux ench\u00e8res judiciaire<\/td><td>La propri\u00e9t\u00e9 se consolide entre les mains du pr\u00eateur<\/td><td>Vente du bien nanti<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<p class=\"wp-block-paragraph\"><p>Les pr\u00eateurs informels en Tha\u00eflande pr\u00e9f\u00e8rent <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/kaifak\/\">kaifak<\/a> because it hands them the land without a lawsuit if the borrower misses the redemption date, whereas a mortgagee cannot sell or take the property without a court order unless the mortgagor, after the debt falls due, asks in writing for an auction sale without court proceedings (Section 729\/1). For the borrower the mortgage is the safer instrument, and the interest is subject to the 15% per year ceiling of Section 654, above which the whole interest is forfeited. When a mortgage is repaid, the release must also be registered at the Land Office; a paid-off mortgage that is still on the deed will hold up any later sale.<\/p><\/p>\n\n\n<!-- tlo-template-promo:loan-store -->\n<div style=\"border:2px solid #C9A25C;border-radius:12px;padding:22px 24px;margin:28px 0;background:#fbf8f1\">\n<p style=\"margin:0 0 6px;font-size:13px;letter-spacing:1px;color:#9a772a;font-weight:700\">MOD\u00c8LE R\u00c9DIG\u00c9 PAR UN AVOCAT<\/p>\n<h3 style=\"margin:0 0 8px\">Vous pr\u00eatez en prenant un bien immobilier en garantie en Tha\u00eflande ?<\/h3>\n<p style=\"margin:0 0 12px\">Notre contrat de pr\u00eat bilingue avec garantie hypoth\u00e9caire couvre le plafond des taux d'int\u00e9r\u00eat, l'avis d'ex\u00e9cution de 60 jours, la mainlev\u00e9e en cas de remboursement et ce qu'un pr\u00eateur \u00e9tranger peut et ne peut pas faire. L'enregistrement au Bureau foncier reste une \u00e9tape distincte. Format Word et PDF pr\u00eat \u00e0 imprimer, t\u00e9l\u00e9chargement instantan\u00e9. \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e08\u0e33\u0e19\u0e2d\u0e07 \u0e09\u0e1a\u0e31\u0e1a\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32<\/p>\n<p style=\"margin:0\"><a class=\"button\" href=\"https:\/\/www.thailawonline.com\/fr\/produit\/loan-agreement-with-mortgage-security-thailand-english\/\" style=\"display:inline-block;background:#16202E;color:#fff;border:1px solid #16202E;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:600;margin:4px 6px 4px 0\">Obtenez le mod\u00e8le de contrat de pr\u00eat avec hypoth\u00e8que<\/a> <a class=\"button\" href=\"https:\/\/www.thailawonline.com\/fr\/produit\/loan-agreement-template-bilingual-en-th\/\" style=\"display:inline-block;background:#fff;color:#16202E;border:1px solid #16202E;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:600;margin:4px 6px 4px 0\">Contrat de pr\u00eat non garanti<\/a><\/p>\n<\/div>\n<!-- \/tlo-template-promo -->\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La derni\u00e8re r\u00e9vision : 27 septembre 2026.<\/strong> Civil and Commercial Code sections 654, 702, 703, 714, 714\/1, 727\/1, 728, 729, 729\/1, 733, 735 to 739 and 744 were read in Thai. The fee and stamp-duty statements follow the Department of Lands figures already reviewed on our sale-with-right-of-redemption page, and the remarks on which lenders offer foreigners loans are market observations, not law.<\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"frequently-asked-questions\">Foire aux questions<\/h2>\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Un \u00e9tranger peut-il obtenir un pr\u00eat hypoth\u00e9caire en Tha\u00eflande ?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Un \u00e9tranger peut hypoth\u00e9quer un appartement en copropri\u00e9t\u00e9 enregistr\u00e9 \u00e0 son propre nom, et quelques pr\u00eateurs li\u00e9s \u00e0 la Tha\u00eflande et \u00e0 Singapour proposent de tels pr\u00eats, g\u00e9n\u00e9ralement pour une dur\u00e9e plus courte et un pourcentage du prix inf\u00e9rieur \u00e0 celui obtenu par les emprunteurs tha\u00eflandais. Un \u00e9tranger ne peut pas hypoth\u00e9quer de terrain, car il ne peut pas en poss\u00e9der, mais il peut \u00eatre le cr\u00e9ancier garanti par une hypoth\u00e8que sur un terrain appartenant \u00e0 un Tha\u00eflandais.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Combien co\u00fbte l'enregistrement d'une hypoth\u00e8que au Bureau de la conservation des fonciers ?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The registration fee is 1% of the amount secured, capped at 200,000 baht. There is no transfer fee or stamp duty on the mortgage itself, and the release, once the loan is repaid, is registered for a small fixed fee.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Quelle est la diff\u00e9rence entre un pr\u00eat hypoth\u00e9caire et le Kaifak ?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Dans le cadre d'un pr\u00eat hypoth\u00e9caire, l'emprunteur reste propri\u00e9taire et le pr\u00eateur ne peut faire vendre le bien par d\u00e9cision de justice qu'en cas de d\u00e9faut de paiement. Dans le cadre du kaifak, l'emprunteur vend le bien au pr\u00eateur et conserve un droit de rachat dans un d\u00e9lai convenu ; si la date est d\u00e9pass\u00e9e, le pr\u00eateur conserve le terrain sans aucune proc\u00e9dure judiciaire. Le kaifak est plus rapide pour le pr\u00eateur et beaucoup plus risqu\u00e9 pour l'emprunteur.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><p>Voir aussi\u00a0: <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/kaifak\/\">kaifak<\/a>, <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/encumbrance\/\">charge sur un titre de propri\u00e9t\u00e9<\/a>, <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/loan-agreement\/\">contrat de pr\u00eat<\/a>, <a href=\"https:\/\/www.thailawonline.com\/fr\/glossary\/suretyship\/\">cautionnement<\/a>, <a href=\"https:\/\/www.thailawonline.com\/fr\/title-deeds-in-thailand\/\">titres de propri\u00e9t\u00e9 en Tha\u00eflande<\/a> ET <a href=\"https:\/\/www.thailawonline.com\/fr\/property-guide-for-foreigners-in-thailand\/\">Guide immobilier pour \u00e9trangers en Tha\u00eflande<\/a>.<\/p><\/p>","protected":false},"excerpt":{"rendered":"<p>A mortgage (\u0e08\u0e33\u0e19\u0e2d\u0e07, jamnong, also romanised chamnong) in Thailand is a security right over immovable property, or certain registrable movables [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":214,"menu_order":0,"comment_status":"closed","ping_status":"closed","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":""}},"footnotes":"","rank_math_focus_keyword":"mortgage thailand","rank_math_title":"Mortgage Thailand (Jamnong): How It Works | ThaiLawOnline","rank_math_description":"Mortgage in Thailand (jamnong) is a registered security over land, a condo or a building under Sections 702 onwards of the Civil Code. How it is enforced.","rank_math_breadcrumb_title":"","rank_math_canonical_url":""},"class_list":["post-1821","page","type-page","status-publish","hentry","pmpro-has-access"],"_links":{"self":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/pages\/1821","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/comments?post=1821"}],"version-history":[{"count":6,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/pages\/1821\/revisions"}],"predecessor-version":[{"id":9597,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/pages\/1821\/revisions\/9597"}],"up":[{"embeddable":true,"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/pages\/214"}],"wp:attachment":[{"href":"https:\/\/www.thailawonline.com\/fr\/wp-json\/wp\/v2\/media?parent=1821"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}