{"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\/th\/thai-legal-news\/new-guide-three-missed-payments-and-thirty-days-not-two-and-none\/","title":{"rendered":"\u0e04\u0e39\u0e48\u0e21\u0e37\u0e2d\u0e43\u0e2b\u0e21\u0e48: \u0e01\u0e32\u0e23\u0e0a\u0e33\u0e23\u0e30\u0e40\u0e07\u0e34\u0e19\u0e04\u0e49\u0e32\u0e07\u0e0a\u0e33\u0e23\u0e30\u0e2a\u0e32\u0e21\u0e04\u0e23\u0e31\u0e49\u0e07 \u0e41\u0e25\u0e30\u0e23\u0e30\u0e22\u0e30\u0e40\u0e27\u0e25\u0e32 30 \u0e27\u0e31\u0e19 \u0e44\u0e21\u0e48\u0e43\u0e0a\u0e48\u0e2a\u0e2d\u0e07\u0e04\u0e23\u0e31\u0e49\u0e07\u0e41\u0e25\u0e30\u0e44\u0e21\u0e48\u0e21\u0e35"},"content":{"rendered":"<p>\u0e23\u0e16\u0e22\u0e19\u0e15\u0e4c\u0e41\u0e25\u0e30\u0e21\u0e2d\u0e40\u0e15\u0e2d\u0e23\u0e4c\u0e44\u0e0b\u0e04\u0e4c\u0e2a\u0e48\u0e27\u0e19\u0e43\u0e2b\u0e0d\u0e48\u0e43\u0e19\u0e1b\u0e23\u0e30\u0e40\u0e17\u0e28\u0e44\u0e17\u0e22\u0e08\u0e30\u0e16\u0e39\u0e01\u0e0b\u0e37\u0e49\u0e2d\u0e42\u0e14\u0e22 <b>\u0e01\u0e32\u0e23\u0e0b\u0e37\u0e49\u0e2d\u0e41\u0e1a\u0e1a\u0e40\u0e0a\u0e48\u0e32\u0e0b\u0e37\u0e49\u0e2d<\/b>, \u0e40\u0e1b\u0e47\u0e19\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e40\u0e0a\u0e48\u0e32\u0e17\u0e35\u0e48\u0e21\u0e35\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e01\u0e32\u0e23\u0e02\u0e32\u0e22\u0e1c\u0e39\u0e01\u0e21\u0e31\u0e14 \u0e44\u0e21\u0e48\u0e43\u0e0a\u0e48\u0e01\u0e32\u0e23\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21 \u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e40\u0e07\u0e34\u0e19\u0e01\u0e39\u0e49\u0e40\u0e1b\u0e47\u0e19\u0e40\u0e08\u0e49\u0e32\u0e02\u0e2d\u0e07\u0e23\u0e16\u0e08\u0e19\u0e01\u0e27\u0e48\u0e32\u0e08\u0e30\u0e0a\u0e33\u0e23\u0e30\u0e40\u0e07\u0e34\u0e19\u0e2a\u0e48\u0e27\u0e19\u0e17\u0e35\u0e48\u0e40\u0e2b\u0e25\u0e37\u0e2d\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14 \u0e41\u0e25\u0e30\u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e23\u0e16\u0e22\u0e31\u0e07\u0e04\u0e07\u0e40\u0e1b\u0e47\u0e19\u0e0a\u0e37\u0e48\u0e2d\u0e02\u0e2d\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17.<\/p>\n<p>\u0e15\u0e31\u0e49\u0e07\u0e41\u0e15\u0e48 <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>\u0e2a\u0e32\u0e21<\/b> consecutive missed instalments plus <b>30 \u0e27\u0e31\u0e19<\/b> written notice before the vehicle can be taken. That displaces the two-instalment rule in <b>\u0e21\u0e32\u0e15\u0e23\u0e32 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\/th\/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\/th\/wp-json\/wp\/v2\/legal-news\/12611","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/legal-news"}],"about":[{"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/types\/tlo_legal_news"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/media\/12632"}],"wp:attachment":[{"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/media?parent=12611"}],"wp:term":[{"taxonomy":"tlo_news_topic","embeddable":true,"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/tlo_news_topic?post=12611"},{"taxonomy":"tlo_news_profile","embeddable":true,"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/tlo_news_profile?post=12611"},{"taxonomy":"tlo_news_impact","embeddable":true,"href":"https:\/\/www.thailawonline.com\/th\/wp-json\/wp\/v2\/tlo_news_impact?post=12611"}],"curies":[{"name":"\u0e14\u0e31\u0e1a\u0e40\u0e1a\u0e34\u0e25\u0e22\u0e39\u0e1e\u0e35","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}