Loan Agreement with Mortgage Security, Thailand
An unsecured loan is a promise; a registered mortgage is a right annotated on the title deed itself. This bilingual agreement contains both layers, the loan and the mortgage that secures it, drafted to be registered at the Land Office on the same day the money moves. A foreign lender CAN hold a registered mortgage over Thai land even though a foreigner cannot own the land, which makes secured lending one of the safest ways for a foreigner to deploy money in Thailand.
What you get
- 8 pages, fully bilingual English and Thai, drafted by licensed Thai lawyers
- 10 clauses: loan and disbursement against registration, interest within the 15% cap, repayment schedule, the mortgage with a registered amount covering principal plus expected interest, registration mechanics, mortgagor covenants (insurance, no further encumbrance), default with the 60-day enforcement notice, court enforcement, release on repayment
- Plain-words explanation of why over-cap interest voids the interest, why automatic-forfeiture clauses are void, and what enforcement really looks like
- Practice indications: release the money at the Land Office counter, register a mortgage amount above the bare principal, spousal consent for marital property
- MS Word and PDF, instant download after checkout
For smaller unsecured loans, see the Loan Agreement and Promissory Note, and our guide to private loans in Thailand.
Drafted and maintained by the licensed Thai lawyers of ThaiLawOnline, serving expats and investors since 2006. Updated 16 August 2026.
