{"id":244,"date":"2024-02-27T09:58:44","date_gmt":"2024-02-27T02:58:44","guid":{"rendered":"https:\/\/www.thailawonline.com\/loan-agreement-in-thailand\/"},"modified":"2026-11-04T02:13:04","modified_gmt":"2026-11-03T19:13:04","slug":"loan-agreement-in-thailand","status":"publish","type":"page","link":"https:\/\/www.thailawonline.com\/th\/loan-agreement-in-thailand\/","title":{"rendered":"\u0e41\u0e1a\u0e1a\u0e1f\u0e2d\u0e23\u0e4c\u0e21\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e40\u0e07\u0e34\u0e19\u0e01\u0e39\u0e49\u0e09\u0e1a\u0e31\u0e1a\u0e2a\u0e21\u0e1a\u0e39\u0e23\u0e13\u0e4c\u0e43\u0e19\u0e1b\u0e23\u0e30\u0e40\u0e17\u0e28\u0e44\u0e17\u0e22 | \u0e1b\u0e23\u0e30\u0e21\u0e27\u0e25\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e41\u0e1e\u0e48\u0e07\u0e41\u0e25\u0e30\u0e1e\u0e32\u0e13\u0e34\u0e0a\u0e22\u0e4c"},"content":{"rendered":"\n<div style=\"background:#0f2542;border-radius:16px;padding:40px 26px;text-align:center;margin:0 0 22px\"><div style=\"color:#c2a25a;font-weight:600;letter-spacing:.14em;text-transform:uppercase;font-size:12px;margin-bottom:10px\"><a href=\"https:\/\/www.thailawonline.com\/glossary\/loan-agreement\/\">Loan Agreement<\/a> \u00b7 \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19<\/div><div style=\"color:#fff;font-size:28px;font-weight:700;line-height:1.25;max-width:760px;margin:0 auto 6px\">A bilingual loan agreement that holds up in a Thai court<\/div><div style=\"color:#cdd8e8;font-size:18px;max-width:760px;margin:0 auto 14px\">\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32\u0e17\u0e35\u0e48\u0e43\u0e0a\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e44\u0e14\u0e49\u0e43\u0e19\u0e28\u0e32\u0e25\u0e44\u0e17\u0e22<\/div><div style=\"color:#d8c089;font-weight:600;font-size:13.5px\">\u2713 Bilingual EN\/TH \u00a0\u00b7\u00a0 \u2713 \u00a7653 &amp; \u00a7654 compliant \u00a0\u00b7\u00a0 \u2713 Collateral option \u00a0\u00b7\u00a0 \u2713 Lawyer review<\/div><\/div>\n\n\n\n<div style=\"display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:0 0 22px\"><a href=\"#download-loan\" style=\"flex:1 1 230px;text-align:center;background:#c2a25a;color:#3a2c08;font-weight:600;padding:16px;border-radius:12px;text-decoration:none\">\u2b07 Download the template, \u0e3f590<div style=\"color:#5a3f08;font-size:13px;font-weight:400\">Word + PDF, instant download \u00b7 \u0e14\u0e32\u0e27\u0e19\u0e4c\u0e42\u0e2b\u0e25\u0e14\u0e17\u0e31\u0e19\u0e17\u0e35<\/div><\/a><a href=\"\/legal-document-maker\/\" style=\"flex:1 1 230px;text-align:center;background:#0f2542;color:#fff;font-weight:600;padding:16px;border-radius:12px;text-decoration:none\">\u270e Build it online, Document Maker<div style=\"color:#d8c089;font-size:13px;font-weight:400\">Guided questionnaire \u00b7 Gold members<\/div><\/a><a href=\"#our-fees\" style=\"flex:1 1 230px;text-align:center;background:#fff;color:#0f2542;border:1px solid #0f2542;font-weight:600;padding:16px;border-radius:12px;text-decoration:none\">\u2696 Have us draft it, \u0e3f4,900<div style=\"color:#5d6675;font-size:13px;font-weight:400\">Personalised by our lawyers \u00b7 \u0e17\u0e19\u0e32\u0e22\u0e08\u0e31\u0e14\u0e17\u0e33\u0e43\u0e2b\u0e49<\/div><\/a><\/div>\n\n\n\n<div style=\"background:#fbf6ea;border:1px solid #ecd9a3;border-left:4px solid #c2a25a;border-radius:10px;padding:16px 18px;margin:0 0 20px\"><strong>The 2,000-baht rule.<\/strong> Any loan over <strong>\u0e3f2,000<\/strong> can be enforced in court only if there is written evidence of it signed by the borrower, <a href=\"\/thai-civil-code\/section-653\/\">CCC \u00a7653<\/a>.<br\/><span style=\"color:#7a8694;font-size:13.5px\">\u0e01\u0e32\u0e23\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e40\u0e01\u0e34\u0e19 2,000 \u0e1a\u0e32\u0e17 \u0e15\u0e49\u0e2d\u0e07\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49 (\u0e1b.\u0e1e.\u0e1e. \u0e21\u0e32\u0e15\u0e23\u0e32 653)<\/span><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"download-loan\">Download the bilingual Loan Agreement template \u00b7 \u0e14\u0e32\u0e27\u0e19\u0e4c\u0e42\u0e2b\u0e25\u0e14\u0e41\u0e21\u0e48\u0e41\u0e1a\u0e1a\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19<\/h2>\n\n\n\n<div style=\"background:#f5f7fb;border:1px solid #e6eaf1;border-radius:14px;padding:20px 22px;margin:14px 0 22px\"><p style=\"color:#33485c;font-size:15px;line-height:1.6;margin:0 0 14px\">Bilingual EN\/TH agreement compliant with CCC \u00a7653 (written evidence signed by the borrower) and \u00a7654 (15% interest ceiling). Includes a short how-to-use guide.<br\/><span style=\"color:#7a8694;font-size:13.5px\">\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32 \u0e2a\u0e2d\u0e14\u0e04\u0e25\u0e49\u0e2d\u0e07\u0e21\u0e32\u0e15\u0e23\u0e32 653 (\u0e15\u0e49\u0e2d\u0e07\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49) \u0e41\u0e25\u0e30\u0e21\u0e32\u0e15\u0e23\u0e32 654 (\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e44\u0e21\u0e48\u0e40\u0e01\u0e34\u0e19 15%) \u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e04\u0e33\u0e41\u0e19\u0e30\u0e19\u0e33\u0e01\u0e32\u0e23\u0e43\u0e0a\u0e49\u0e07\u0e32\u0e19<\/span><\/p><div style=\"display:flex;flex-wrap:wrap;gap:12px;align-items:center\"><div style=\"flex:1 1 190px\"><div style=\"font-size:30px;font-weight:700;color:#0f2542;line-height:1.1\">\u0e3f590<span style=\"font-size:13px;color:#5d6675;font-weight:400\"> one-off \u00b7 \u0e04\u0e23\u0e31\u0e49\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27<\/span><\/div><div style=\"color:#1d7a5f;font-weight:600;font-size:13px\">Free for Silver members &amp; above \u00b7 \u0e1f\u0e23\u0e35\u0e2a\u0e33\u0e2b\u0e23\u0e31\u0e1a\u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Silver \u0e02\u0e36\u0e49\u0e19\u0e44\u0e1b<\/div><\/div><a href=\"\/explaining-our-membership\/\" style=\"flex:1 1 190px;text-align:center;background:#0f2542;color:#fff;font-weight:600;padding:13px;border-radius:10px;text-decoration:none\">Join Silver \u00b7 \u0e2a\u0e21\u0e31\u0e04\u0e23 Silver<\/a><a href=\"\/cart\/?add-to-cart=2544\" style=\"flex:1 1 190px;text-align:center;background:#c2a25a;color:#3a2c08;font-weight:600;padding:13px;border-radius:10px;text-decoration:none\">Buy once \u0e3f590 \u00b7 \u0e0b\u0e37\u0e49\u0e2d\u0e04\u0e23\u0e31\u0e49\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27<\/a><\/div><div style=\"color:#5d6675;font-size:13px;margin-top:10px\">Instant download after payment (Word + print-ready PDF). Pay by PayPal or card through PayPal, or by Thai bank transfer. \u00b7 \u0e14\u0e32\u0e27\u0e19\u0e4c\u0e42\u0e2b\u0e25\u0e14\u0e17\u0e31\u0e19\u0e17\u0e35\u0e2b\u0e25\u0e31\u0e07\u0e0a\u0e33\u0e23\u0e30\u0e40\u0e07\u0e34\u0e19<\/div><p style=\"color:#5d6675;font-size:13.5px;margin:14px 0 0\">Gold members can have a lawyer adapt or review it. Prefer it fully lawyer-prepared? <a href=\"\/contact-us\/\">Contact us<\/a>. Not legal advice. \u00b7 \u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Gold \u0e43\u0e2b\u0e49\u0e17\u0e19\u0e32\u0e22\u0e1b\u0e23\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e07\/\u0e15\u0e23\u0e27\u0e08\u0e44\u0e14\u0e49 \u0e15\u0e49\u0e2d\u0e07\u0e01\u0e32\u0e23\u0e43\u0e2b\u0e49\u0e17\u0e19\u0e32\u0e22\u0e08\u0e31\u0e14\u0e17\u0e33\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14 <a href=\"\/contact-us\/\">\u0e15\u0e34\u0e14\u0e15\u0e48\u0e2d\u0e40\u0e23\u0e32<\/a><\/p><\/div>\n\n\n\n<p style=\"background:#fffaf0;border:1px solid #c2a25a;border-radius:8px;padding:12px 14px;color:#33485c;font-size:14.5px;margin:0 0 12px\"><strong>\u0e15\u0e49\u0e2d\u0e07\u0e01\u0e32\u0e23\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e20\u0e32\u0e29\u0e32\u0e44\u0e17\u0e22\u0e25\u0e49\u0e27\u0e19?<\/strong> \u0e09\u0e1a\u0e31\u0e1a\u0e20\u0e32\u0e29\u0e32\u0e44\u0e17\u0e22 \u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e04\u0e33\u0e41\u0e19\u0e30\u0e19\u0e33\u0e20\u0e32\u0e29\u0e32\u0e44\u0e17\u0e22 \u0e44\u0e1f\u0e25\u0e4c Word \u0e41\u0e25\u0e30 PDF \u0e23\u0e32\u0e04\u0e32 \u0e3f290 <a href=\"https:\/\/www.thailawonline.com\/th\/product\/loan-agreement-template-thai\/\" style=\"color:#0f2542;font-weight:600\">\u0e14\u0e39\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19 \u0e09\u0e1a\u0e31\u0e1a\u0e20\u0e32\u0e29\u0e32\u0e44\u0e17\u0e22 \u2192<\/a><br\/><span style=\"color:#7a8694;font-size:13px\">Thai-only version for Thai readers: agreement and instructions in Thai, \u0e3f290.<\/span><\/p>\n\n\n\n\n\n\n\n\n\n<p style=\"background:#f5f7fb;border:1px dashed #c2a25a;border-radius:8px;padding:10px 13px;color:#33485c;font-size:13.5px;margin:0 0 12px\"><strong>Choose your language order.<\/strong> The template is fully bilingual, English and Thai side by side. Prefer <strong>Thai first<\/strong>? Just ask us for a Thai-first copy after your purchase, at no extra cost.<br\/><span style=\"color:#7a8694\">\u0e40\u0e25\u0e37\u0e2d\u0e01\u0e25\u0e33\u0e14\u0e31\u0e1a\u0e20\u0e32\u0e29\u0e32\u0e44\u0e14\u0e49 \u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e40\u0e1b\u0e47\u0e19\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32 \u0e2b\u0e32\u0e01\u0e15\u0e49\u0e2d\u0e07\u0e01\u0e32\u0e23\u0e43\u0e2b\u0e49\u0e20\u0e32\u0e29\u0e32\u0e44\u0e17\u0e22\u0e02\u0e36\u0e49\u0e19\u0e01\u0e48\u0e2d\u0e19 \u0e41\u0e08\u0e49\u0e07\u0e40\u0e23\u0e32\u0e44\u0e14\u0e49\u0e2b\u0e25\u0e31\u0e07\u0e2a\u0e31\u0e48\u0e07\u0e0b\u0e37\u0e49\u0e2d \u0e44\u0e21\u0e48\u0e21\u0e35\u0e04\u0e48\u0e32\u0e43\u0e0a\u0e49\u0e08\u0e48\u0e32\u0e22\u0e40\u0e1e\u0e34\u0e48\u0e21<\/span><\/p>\n\n\n\n<p style=\"color:#5d6675;font-size:14px\"><strong>Silver members download the templates unlimited; Gold members can have a lawyer customise or review the loan.<\/strong> Add a licensed-lawyer review from \u0e3f2,500. <span style=\"color:#7a8694\">\u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Silver \u0e14\u0e32\u0e27\u0e19\u0e4c\u0e42\u0e2b\u0e25\u0e14\u0e41\u0e21\u0e48\u0e41\u0e1a\u0e1a\u0e44\u0e21\u0e48\u0e08\u0e33\u0e01\u0e31\u0e14 \u00b7 \u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Gold \u0e43\u0e2b\u0e49\u0e17\u0e19\u0e32\u0e22\u0e1b\u0e23\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e07 \u00b7 \u0e40\u0e1e\u0e34\u0e48\u0e21\u0e17\u0e19\u0e32\u0e22\u0e15\u0e23\u0e27\u0e08\u0e2a\u0e2d\u0e1a\u0e40\u0e23\u0e34\u0e48\u0e21 \u0e3f2,500<\/span> <a href=\"\/explaining-our-membership\/\">See membership \u2192<\/a><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li class=\"\"><a href=\"#download-loan\">Download the bilingual Loan Agreement template \u00b7 \u0e14\u0e32\u0e27\u0e19\u0e4c\u0e42\u0e2b\u0e25\u0e14\u0e41\u0e21\u0e48\u0e41\u0e1a\u0e1a\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19<\/a><\/li><li class=\"\"><a href=\"#buy-once-or-join-silver-silver\">Buy once, or join Silver \u00b7 \u0e0b\u0e37\u0e49\u0e2d\u0e04\u0e23\u0e31\u0e49\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27 \u0e2b\u0e23\u0e37\u0e2d\u0e2a\u0e21\u0e31\u0e04\u0e23 Silver<\/a><\/li><li class=\"\"><a href=\"#the-complete-loan-agreement-every-section\">The complete loan agreement, every section \u00b7 \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e09\u0e1a\u0e31\u0e1a\u0e40\u0e15\u0e47\u0e21 \u0e04\u0e23\u0e1a\u0e17\u0e38\u0e01\u0e02\u0e49\u0e2d<\/a><\/li><li class=\"\"><a href=\"#loan-drafting-scope\">Our loan agreement drafting service<\/a><\/li><li class=\"\"><a href=\"#guarantor\">Adding a guarantor requires a separate legal check<\/a><\/li><li class=\"\"><a href=\"#faq\">FAQ \u00b7 \u0e04\u0e33\u0e16\u0e32\u0e21\u0e17\u0e35\u0e48\u0e1e\u0e1a\u0e1a\u0e48\u0e2d\u0e22<\/a><\/li><li class=\"\"><a href=\"#related\">Related \u00b7 \u0e17\u0e35\u0e48\u0e40\u0e01\u0e35\u0e48\u0e22\u0e27\u0e02\u0e49\u0e2d\u0e07<\/a><\/li><li class=\"\"><a href=\"#our-fees\">Our fee for a loan agreement<\/a><\/li><li class=\"\"><a href=\"#free-tools\">Try it yourself first, free<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"buy-once-or-join-silver-silver\">Buy once, or join Silver \u00b7 \u0e0b\u0e37\u0e49\u0e2d\u0e04\u0e23\u0e31\u0e49\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27 \u0e2b\u0e23\u0e37\u0e2d\u0e2a\u0e21\u0e31\u0e04\u0e23 Silver<\/h2>\n\n\n\n<div style=\"display:flex;flex-wrap:wrap;gap:16px;margin:12px 0 6px\"><div style=\"flex:1 1 250px;background:#fff;border:1px solid #e6eaf1;border-radius:14px;padding:20px 18px;box-shadow:0 6px 20px rgba(15,37,66,.06)\"><div style=\"font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#9a7c39\">Simple loan \u00b7 \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e41\u0e1a\u0e1a\u0e17\u0e31\u0e48\u0e27\u0e44\u0e1b<\/div><div style=\"font-size:13px;color:#5d6675;margin:2px 0 10px\">Unsecured personal loan \u00b7 \u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e44\u0e21\u0e48\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19<\/div><div style=\"font-size:28px;font-weight:700;color:#0f2542\">\u0e3f590<\/div><ul style=\"margin:10px 0 0;padding-left:18px;color:#33485c;font-size:14px;line-height:1.6\"><li style=\"margin-bottom:5px\">Bilingual EN\/TH document<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32<\/span><\/li><li style=\"margin-bottom:5px\">Interest, repayment &amp; acceleration<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22 \u0e0a\u0e33\u0e23\u0e30\u0e04\u0e37\u0e19 \u0e40\u0e23\u0e35\u0e22\u0e01\u0e04\u0e37\u0e19<\/span><\/li><li style=\"margin-bottom:5px\">Two witness blocks<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e0a\u0e48\u0e2d\u0e07\u0e1e\u0e22\u0e32\u0e19 2 \u0e04\u0e19<\/span><\/li><\/ul><a href=\"\/cart\/?add-to-cart=2544\" style=\"display:block;text-align:center;background:#0f2542;color:#fff;font-weight:600;padding:11px;border-radius:10px;text-decoration:none;margin-top:14px\">Buy \u0e3f590 \u00b7 \u0e0b\u0e37\u0e49\u0e2d<\/a><\/div><div style=\"flex:1 1 250px;background:#fff;border:2px solid #c2a25a;border-radius:14px;padding:20px 18px;box-shadow:0 6px 20px rgba(15,37,66,.06)\"><div style=\"display:inline-block;background:#c2a25a;color:#3a2c08;font-weight:600;font-size:12px;padding:3px 12px;border-radius:999px;margin-bottom:10px\">No competitor offers this \u00b7 \u0e44\u0e21\u0e48\u0e21\u0e35\u0e04\u0e39\u0e48\u0e41\u0e02\u0e48\u0e07\u0e23\u0e32\u0e22\u0e43\u0e14\u0e21\u0e35<\/div><div style=\"font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#9a7c39\">Secured loan \u00b7 \u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19<\/div><div style=\"font-size:13px;color:#5d6675;margin:2px 0 10px\">Loan + collateral \/ mortgage \u00b7 \u0e01\u0e39\u0e49\u0e22\u0e37\u0e21 + \u0e08\u0e33\u0e19\u0e2d\u0e07<\/div><div style=\"font-size:28px;font-weight:700;color:#0f2542\">\u0e3f990<\/div><div style=\"color:#1d7a5f;font-weight:600;font-size:12.5px;margin:8px 0 0\">\u2605 Collateral option<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e15\u0e31\u0e27\u0e40\u0e25\u0e37\u0e2d\u0e01\u0e2b\u0e25\u0e31\u0e01\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19<\/span><\/div><ul style=\"margin:10px 0 0;padding-left:18px;color:#33485c;font-size:14px;line-height:1.6\"><li style=\"margin-bottom:5px\">Everything in Simple<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e17\u0e38\u0e01\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e43\u0e19\u0e41\u0e1a\u0e1a\u0e17\u0e31\u0e48\u0e27\u0e44\u0e1b<\/span><\/li><li style=\"margin-bottom:5px\">Mortgage \/ pledge as collateral<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e08\u0e33\u0e19\u0e2d\u0e07\/\u0e08\u0e33\u0e19\u0e33\u0e40\u0e1b\u0e47\u0e19\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19<\/span><\/li><\/ul><a href=\"\/product\/loan-agreement-with-mortgage-security-thailand-english\/\" style=\"display:block;text-align:center;background:#c2a25a;color:#3a2c08;font-weight:600;padding:11px;border-radius:10px;text-decoration:none;margin-top:14px\">Get it \u0e3f990 \u00b7 \u0e14\u0e39\u0e23\u0e32\u0e22\u0e25\u0e30\u0e40\u0e2d\u0e35\u0e22\u0e14<\/a><\/div><div style=\"flex:1 1 250px;background:#fff;border:1px solid #e6eaf1;border-radius:14px;padding:20px 18px;box-shadow:0 6px 20px rgba(15,37,66,.06)\"><div style=\"font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#9a7c39\"><a href=\"https:\/\/www.thailawonline.com\/glossary\/promissory-note\/\">Promissory note<\/a> \u00b7 \u0e15\u0e31\u0e4b\u0e27\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19<\/div><div style=\"font-size:13px;color:#5d6675;margin:2px 0 10px\">Short form \u00b7 \u0e09\u0e1a\u0e31\u0e1a\u0e22\u0e48\u0e2d<\/div><div style=\"font-size:28px;font-weight:700;color:#0f2542\">\u0e3f390<\/div><ul style=\"margin:10px 0 0;padding-left:18px;color:#33485c;font-size:14px;line-height:1.6\"><li style=\"margin-bottom:5px\">1-2 page bilingual note<br\/><span style=\"color:#7a8694;font-size:12.5px;font-weight:400\">\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32 1-2 \u0e2b\u0e19\u0e49\u0e32<\/span><\/li><\/ul><a href=\"\/product\/promissory-note-template-bilingual-en-th\/\" style=\"display:block;text-align:center;background:#0f2542;color:#fff;font-weight:600;padding:11px;border-radius:10px;text-decoration:none;margin-top:14px\">Get it \u0e3f390 \u00b7 \u0e14\u0e39\u0e23\u0e32\u0e22\u0e25\u0e30\u0e40\u0e2d\u0e35\u0e22\u0e14<\/a><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-complete-loan-agreement-every-section\">The complete loan agreement, every section \u00b7 \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e09\u0e1a\u0e31\u0e1a\u0e40\u0e15\u0e47\u0e21 \u0e04\u0e23\u0e1a\u0e17\u0e38\u0e01\u0e02\u0e49\u0e2d<\/h2>\n\n\n\n<p style=\"color:#5d6675\">This is the full bilingual document Silver members download as a template (Gold members can have a lawyer customise it), see the quality before you start.<br\/><span style=\"color:#7a8694\">\u0e19\u0e35\u0e48\u0e04\u0e37\u0e2d\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e09\u0e1a\u0e31\u0e1a\u0e40\u0e15\u0e47\u0e21\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32\u0e17\u0e35\u0e48 \u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Silver \u0e14\u0e32\u0e27\u0e19\u0e4c\u0e42\u0e2b\u0e25\u0e14\u0e40\u0e1b\u0e47\u0e19\u0e41\u0e21\u0e48\u0e41\u0e1a\u0e1a\u0e44\u0e14\u0e49 \u0e41\u0e25\u0e30\u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Gold \u0e43\u0e2b\u0e49\u0e17\u0e19\u0e32\u0e22\u0e1b\u0e23\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e07\u0e44\u0e14\u0e49<\/span><\/p>\n\n\n\n<div style=\"position:relative;background:#fff;border:1px solid #d7dde3;border-radius:10px;padding:26px 28px;margin:12px 0;box-shadow:0 8px 28px rgba(15,37,66,.08);font-family:Georgia,serif;color:#26313f;line-height:1.5\"><div style=\"position:absolute;top:14px;right:16px;background:#c2a25a;color:#3a2c08;font-family:Arial,sans-serif;font-size:11px;font-weight:700;letter-spacing:.1em;padding:3px 10px;border-radius:6px\">SAMPLE \u00b7 \u0e15\u0e31\u0e27\u0e2d\u0e22\u0e48\u0e32\u0e07<\/div><div style=\"text-align:center;font-weight:700;font-size:16px\">LOAN AGREEMENT<br\/>\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19<\/div><p style=\"margin:9px 0\"><strong data-no-translation>This Loan Agreement is made at [Place], on [Date], between [Lender] (the \u201cLender\u201d) and [Borrower] (the \u201cBorrower\u201d).<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e09\u0e1a\u0e31\u0e1a\u0e19\u0e35\u0e49\u0e17\u0e33\u0e02\u0e36\u0e49\u0e19\u0e17\u0e35\u0e48 [\u0e2a\u0e16\u0e32\u0e19\u0e17\u0e35\u0e48] \u0e40\u0e21\u0e37\u0e48\u0e2d\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48 [\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48] \u0e23\u0e30\u0e2b\u0e27\u0e48\u0e32\u0e07 [\u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49] (\u201c\u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u201d) \u0e41\u0e25\u0e30 [\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49] (\u201c\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u201d)<\/span><\/p><p><strong data-no-translation>1. Loan Amount and Delivery. Agreed principal: [Amount] Baht. Record each amount delivered, its date and payment reference in the attached disbursement record. The Borrower acknowledges only funds received.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e51. \u0e08\u0e33\u0e19\u0e27\u0e19\u0e40\u0e07\u0e34\u0e19\u0e01\u0e39\u0e49\u0e41\u0e25\u0e30\u0e01\u0e32\u0e23\u0e2a\u0e48\u0e07\u0e21\u0e2d\u0e1a \u0e15\u0e49\u0e19\u0e40\u0e07\u0e34\u0e19\u0e17\u0e35\u0e48\u0e15\u0e01\u0e25\u0e07: [\u0e08\u0e33\u0e19\u0e27\u0e19\u0e40\u0e07\u0e34\u0e19] \u0e1a\u0e32\u0e17 \u0e43\u0e2b\u0e49\u0e1a\u0e31\u0e19\u0e17\u0e36\u0e01\u0e22\u0e2d\u0e14\u0e40\u0e07\u0e34\u0e19 \u0e27\u0e31\u0e19\u0e17\u0e35\u0e48\u0e2a\u0e48\u0e07\u0e21\u0e2d\u0e1a \u0e41\u0e25\u0e30\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e01\u0e32\u0e23\u0e0a\u0e33\u0e23\u0e30\u0e02\u0e2d\u0e07\u0e41\u0e15\u0e48\u0e25\u0e30\u0e04\u0e23\u0e31\u0e49\u0e07\u0e43\u0e19\u0e1a\u0e31\u0e19\u0e17\u0e36\u0e01\u0e01\u0e32\u0e23\u0e2a\u0e48\u0e07\u0e21\u0e2d\u0e1a\u0e41\u0e19\u0e1a\u0e17\u0e49\u0e32\u0e22 \u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e23\u0e2d\u0e07\u0e40\u0e09\u0e1e\u0e32\u0e30\u0e40\u0e07\u0e34\u0e19\u0e17\u0e35\u0e48\u0e44\u0e14\u0e49\u0e23\u0e31\u0e1a\u0e41\u0e25\u0e49\u0e27\u0e40\u0e17\u0e48\u0e32\u0e19\u0e31\u0e49\u0e19<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>2. Interest. Interest accrues at [rate]% per year, not exceeding 15% as required by \u00a7654.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e52. \u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22 \u0e04\u0e34\u0e14\u0e2d\u0e31\u0e15\u0e23\u0e32 [\u0e2d\u0e31\u0e15\u0e23\u0e32]% \u0e15\u0e48\u0e2d\u0e1b\u0e35 \u0e44\u0e21\u0e48\u0e40\u0e01\u0e34\u0e19\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30 15 \u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 654<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>3. Repayment. The Borrower shall repay [in a lump sum on [Date] \/ in [n] monthly instalments].<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e53. \u0e01\u0e32\u0e23\u0e0a\u0e33\u0e23\u0e30\u0e04\u0e37\u0e19 \u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u0e08\u0e30\u0e0a\u0e33\u0e23\u0e30 [\u0e04\u0e23\u0e31\u0e49\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27\u0e20\u0e32\u0e22\u0e43\u0e19 [\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48] \/ \u0e40\u0e1b\u0e47\u0e19\u0e07\u0e27\u0e14\u0e23\u0e32\u0e22\u0e40\u0e14\u0e37\u0e2d\u0e19 [n] \u0e07\u0e27\u0e14]<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>4. Prepayment. The Borrower may prepay all or part without penalty on 30 days\u2019 notice.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e54. \u0e01\u0e32\u0e23\u0e0a\u0e33\u0e23\u0e30\u0e01\u0e48\u0e2d\u0e19\u0e01\u0e33\u0e2b\u0e19\u0e14 \u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u0e0a\u0e33\u0e23\u0e30\u0e01\u0e48\u0e2d\u0e19\u0e44\u0e14\u0e49\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14\u0e2b\u0e23\u0e37\u0e2d\u0e1a\u0e32\u0e07\u0e2a\u0e48\u0e27\u0e19\u0e42\u0e14\u0e22\u0e44\u0e21\u0e48\u0e21\u0e35\u0e04\u0e48\u0e32\u0e1b\u0e23\u0e31\u0e1a \u0e41\u0e08\u0e49\u0e07\u0e25\u0e48\u0e27\u0e07\u0e2b\u0e19\u0e49\u0e32 30 \u0e27\u0e31\u0e19<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>5. Method of Payment. By bank transfer to the Lender\u2019s account; bank charges borne by the Borrower.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e55. \u0e27\u0e34\u0e18\u0e35\u0e01\u0e32\u0e23\u0e0a\u0e33\u0e23\u0e30 \u0e42\u0e2d\u0e19\u0e40\u0e02\u0e49\u0e32\u0e1a\u0e31\u0e0d\u0e0a\u0e35\u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49 \u0e04\u0e48\u0e32\u0e18\u0e23\u0e23\u0e21\u0e40\u0e19\u0e35\u0e22\u0e21\u0e18\u0e19\u0e32\u0e04\u0e32\u0e23\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1c\u0e34\u0e14\u0e0a\u0e2d\u0e1a<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>6. Events of Default. Non-payment, breach of any term, or the Borrower\u2019s insolvency.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e56. \u0e40\u0e2b\u0e15\u0e38\u0e1c\u0e34\u0e14\u0e19\u0e31\u0e14 \u0e44\u0e21\u0e48\u0e0a\u0e33\u0e23\u0e30\u0e40\u0e07\u0e34\u0e19 \u0e1c\u0e34\u0e14\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e02\u0e49\u0e2d\u0e43\u0e14 \u0e2b\u0e23\u0e37\u0e2d\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u0e25\u0e49\u0e21\u0e25\u0e30\u0e25\u0e32\u0e22<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>7. Acceleration. On default, the entire outstanding balance becomes immediately due and payable.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e57. \u0e01\u0e32\u0e23\u0e40\u0e23\u0e35\u0e22\u0e01\u0e04\u0e37\u0e19\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14 \u0e40\u0e21\u0e37\u0e48\u0e2d\u0e1c\u0e34\u0e14\u0e19\u0e31\u0e14 \u0e22\u0e2d\u0e14\u0e2b\u0e19\u0e35\u0e49\u0e04\u0e07\u0e04\u0e49\u0e32\u0e07\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14\u0e16\u0e36\u0e07\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e0a\u0e33\u0e23\u0e30\u0e17\u0e31\u0e19\u0e17\u0e35<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>8. Security (optional). The loan may be secured by a registered mortgage over [Property] at the Land Office.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e58. \u0e2b\u0e25\u0e31\u0e01\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19 (\u0e16\u0e49\u0e32\u0e21\u0e35) \u0e2d\u0e32\u0e08\u0e08\u0e31\u0e14\u0e43\u0e2b\u0e49\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e42\u0e14\u0e22\u0e01\u0e32\u0e23\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e08\u0e33\u0e19\u0e2d\u0e07 [\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2a\u0e34\u0e19] \u0e13 \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e17\u0e35\u0e48\u0e14\u0e34\u0e19<\/span><\/p><p><strong data-no-translation>9. Costs and Stamp Duty. For a loan instrument subject to duty, 1 Baht per 2,000 Baht or fraction, capped at 10,000 Baht, applies under Schedule Item 5, subject to exemptions. Allocate other costs by agreement and comply with the applicable payment method and deadline.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e59. \u0e04\u0e48\u0e32\u0e43\u0e0a\u0e49\u0e08\u0e48\u0e32\u0e22\u0e41\u0e25\u0e30\u0e2d\u0e32\u0e01\u0e23\u0e41\u0e2a\u0e15\u0e21\u0e1b\u0e4c \u0e15\u0e23\u0e32\u0e2a\u0e32\u0e23\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e17\u0e35\u0e48\u0e15\u0e49\u0e2d\u0e07\u0e40\u0e2a\u0e35\u0e22\u0e2d\u0e32\u0e01\u0e23\u0e40\u0e2a\u0e35\u0e22\u0e2d\u0e32\u0e01\u0e23 1 \u0e1a\u0e32\u0e17\u0e15\u0e48\u0e2d\u0e17\u0e38\u0e01 2,000 \u0e1a\u0e32\u0e17\u0e2b\u0e23\u0e37\u0e2d\u0e40\u0e28\u0e29\u0e02\u0e2d\u0e07 2,000 \u0e1a\u0e32\u0e17 \u0e2a\u0e39\u0e07\u0e2a\u0e38\u0e14 10,000 \u0e1a\u0e32\u0e17 \u0e15\u0e32\u0e21\u0e1a\u0e31\u0e0d\u0e0a\u0e35\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e2d\u0e32\u0e01\u0e23\u0e41\u0e2a\u0e15\u0e21\u0e1b\u0e4c\u0e25\u0e31\u0e01\u0e29\u0e13\u0e30 5 \u0e42\u0e14\u0e22\u0e04\u0e33\u0e19\u0e36\u0e07\u0e16\u0e36\u0e07\u0e02\u0e49\u0e2d\u0e22\u0e01\u0e40\u0e27\u0e49\u0e19 \u0e04\u0e48\u0e32\u0e43\u0e0a\u0e49\u0e08\u0e48\u0e32\u0e22\u0e2d\u0e37\u0e48\u0e19\u0e43\u0e2b\u0e49\u0e15\u0e01\u0e25\u0e07\u0e01\u0e31\u0e19\u0e41\u0e25\u0e30\u0e0a\u0e33\u0e23\u0e30\u0e2d\u0e32\u0e01\u0e23\u0e15\u0e32\u0e21\u0e27\u0e34\u0e18\u0e35\u0e41\u0e25\u0e30\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e40\u0e27\u0e25\u0e32\u0e17\u0e35\u0e48\u0e43\u0e0a\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a<\/span><\/p><p><strong data-no-translation>10. Governing Law and Jurisdiction. Thai law applies. Proceedings must be brought before a court having jurisdiction under the applicable procedural law.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e51\u0e50. \u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e41\u0e25\u0e30\u0e40\u0e02\u0e15\u0e2d\u0e33\u0e19\u0e32\u0e08 \u0e43\u0e0a\u0e49\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e44\u0e17\u0e22 \u0e01\u0e32\u0e23\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e04\u0e14\u0e35\u0e15\u0e49\u0e2d\u0e07\u0e22\u0e37\u0e48\u0e19\u0e15\u0e48\u0e2d\u0e28\u0e32\u0e25\u0e17\u0e35\u0e48\u0e21\u0e35\u0e40\u0e02\u0e15\u0e2d\u0e33\u0e19\u0e32\u0e08\u0e15\u0e32\u0e21\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e27\u0e34\u0e18\u0e35\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e04\u0e27\u0e32\u0e21\u0e17\u0e35\u0e48\u0e43\u0e0a\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>11. Language. Executed in English and Thai; the [Thai] version prevails.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e51\u0e51. \u0e20\u0e32\u0e29\u0e32 \u0e17\u0e33\u0e40\u0e1b\u0e47\u0e19\u0e20\u0e32\u0e29\u0e32\u0e2d\u0e31\u0e07\u0e01\u0e24\u0e29\u0e41\u0e25\u0e30\u0e44\u0e17\u0e22 \u0e09\u0e1a\u0e31\u0e1a [\u0e20\u0e32\u0e29\u0e32\u0e44\u0e17\u0e22] \u0e21\u0e35\u0e1c\u0e25\u0e43\u0e0a\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e40\u0e2b\u0e19\u0e37\u0e2d\u0e01\u0e27\u0e48\u0e32<\/span><\/p><p style=\"margin:9px 0\"><strong data-no-translation>12. Entire Agreement. This is the entire agreement; any amendment must be in writing and signed by both parties.<\/strong><br\/><span style=\"color:#566;font-size:14px\">\u0e51\u0e52. \u0e02\u0e49\u0e2d\u0e15\u0e01\u0e25\u0e07\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14 \u0e40\u0e1b\u0e47\u0e19\u0e02\u0e49\u0e2d\u0e15\u0e01\u0e25\u0e07\u0e17\u0e31\u0e49\u0e07\u0e2b\u0e21\u0e14 \u0e01\u0e32\u0e23\u0e41\u0e01\u0e49\u0e44\u0e02\u0e15\u0e49\u0e2d\u0e07\u0e17\u0e33\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e17\u0e31\u0e49\u0e07\u0e2a\u0e2d\u0e07\u0e1d\u0e48\u0e32\u0e22<\/span><\/p><p style=\"margin:12px 0 0;color:#26313f\"><strong>Signed:<\/strong> Lender ____________ \u00b7 Borrower ____________ \u00b7 Witness 1 ____________ \u00b7 Witness 2 ____________<br\/><span style=\"color:#566;font-size:14px\"><strong>\u0e25\u0e07\u0e19\u0e32\u0e21:<\/strong> \u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49 ____________ \u00b7 \u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49 ____________ \u00b7 \u0e1e\u0e22\u0e32\u0e19 1 ____________ \u00b7 \u0e1e\u0e22\u0e32\u0e19 2 ____________<\/span><\/p><\/div>\n\n\n\n<!-- tlo-template-promo:promissory-note -->\n\n\n\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:#765819;font-weight:700\">DOWNLOAD, LAWYER-DRAFTED TEMPLATE<\/p>\n<h3 style=\"margin:0 0 8px\">Promissory Note Template (Thailand), Bilingual English-Thai, Two Variants + Guarantee<\/h3>\n<p style=\"margin:0 0 10px\">Ready to sign in minutes: fixed-date and payable-on-demand variants with every element Thai law requires, an optional aval (guarantee) block, a part-payment record, and plain-language instructions in English and Thai, including the stamp-duty step and the three-year deadline most lenders miss. Word + print-ready PDF, instant download. \u0e15\u0e31\u0e4b\u0e27\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32 \u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e04\u0e33\u0e2d\u0e18\u0e34\u0e1a\u0e32\u0e22\u0e40\u0e02\u0e49\u0e32\u0e43\u0e08\u0e07\u0e48\u0e32\u0e22<\/p>\n<p style=\"margin:0\"><a class=\"button\" href=\"https:\/\/www.thailawonline.com\/product\/promissory-note-template-bilingual-en-th\/\" style=\"background:#16202E;color:#fff;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:600\">Get the Promissory Note \u0e3f390<\/a>\u00a0\u00a0<a href=\"https:\/\/www.thailawonline.com\/product\/loan-agreement-template-bilingual-en-th\/\" style=\"color:#16202E\">Need instalments? Loan Agreement \u0e3f590 \u2192<\/a><\/p>\n<\/div>\n\n\n\n<!-- \/tlo-template-promo -->\n\n\n\n<p class=\"tlo-hublink wp-block-paragraph\"><a href=\"https:\/\/www.thailawonline.com\/glossary\/shareholder\/\">Shareholder<\/a> loans are a common way to fund a Thai company, covered in our guide to <a href=\"https:\/\/www.thailawonline.com\/business-setup-in-thailand\/\">business setup in Thailand<\/a>.<\/p>\n\n<!-- tlo-template-promo:loan-mortgage -->\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:#765819;font-weight:700\">LAWYER-DRAFTED TEMPLATE &middot; &#3647;990<\/p>\n<h3 style=\"margin:0 0 8px\">Loan with Mortgage Security (Bilingual English &amp; Thai)<\/h3>\n<p style=\"margin:0 0 10px\">Lend against a <a href=\"https:\/\/www.thailawonline.com\/glossary\/mortgage\/\">mortgage<\/a> registered at the <a href=\"https:\/\/www.thailawonline.com\/glossary\/land-office\/\">Land Office<\/a>: it follows the property and outranks ordinary creditors. Interest cap, 60-day enforcement notice, release on repayment, and the foreign-lender reality explained. Word + PDF, updated August 2026. \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\/product\/loan-agreement-with-mortgage-security-thailand-english\/\" style=\"background:#16202E;color:#fff;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:600\">Get the template<\/a><\/p>\n<\/div>\n<!-- \/tlo-template-promo -->\n\n\n\n\n<section id=\"loan-drafting-scope\"><h2>Our loan agreement drafting service<\/h2><p>We prepare a personalised Thai-English agreement around your loan amount, repayment terms, agreed interest, default provisions and proposed security. Before payment, we confirm the drafting scope, fee, any applicable VAT and total payable. For a standard file, the first draft is usually ready within two to four business days after payment and complete information. Complex transactions need a separately confirmed timetable.<\/p><p>Drafting, signing and registration are separate steps. Mortgage or other security registration, company filings, negotiations, debt recovery and additional agreements are included only if expressly listed in your quote. A collateral clause does not mean registration has been completed.<\/p><p>If you order a loan, shareholder agreement and prenup together, each document has its own scope and target date. Changes to the transaction or additional documents require scope confirmation.<\/p><h3>Review your draft before signing<\/h3><p>Check the parties, amounts, transfer dates, repayment schedule and security description. Send questions together with clause numbers. We explain the relevant provisions and identify each issue as answered or awaiting revision before final approval.<\/p><p>To request a quote, email <a href=\"mailto:info@thailawonline.com\">info@thailawonline.com<\/a> with identification and addresses for the parties, the amount and currency, proposed repayment and interest terms, transfer history and any existing agreement or security documents.<\/p><\/section>\n\n\n<style data-noptimize=\"1\">.tlo-lb{border:2px solid #1E3455;background:#fff;margin:28px 0;font-size:16px;line-height:1.55;color:#1b1b1b}.tlo-lb h2.tlo-lb-h{background:#1E3455;color:#fff;font-size:19px;line-height:1.3;margin:0;padding:12px 16px}.tlo-lb-tabs{position:relative;padding-top:44px;background:#fff}.tlo-lb-tab>summary{position:absolute;top:0;width:33.334%;height:44px;line-height:44px;text-align:center;font-weight:700;cursor:pointer;list-style:none;background:#eef0f4;color:#1E3455;box-sizing:border-box;border-bottom:3px solid #1E3455}.tlo-lb-tab>summary::-webkit-details-marker{display:none}.tlo-lb-tab:nth-of-type(1)>summary{left:0}.tlo-lb-tab:nth-of-type(2)>summary{left:33.333%}.tlo-lb-tab:nth-of-type(3)>summary{left:66.666%}.tlo-lb-tab[open]>summary{background:#fff;border-bottom-color:#FECB01}.tlo-lb summary:focus-visible,.tlo-lb a:focus-visible{outline:3px solid #FECB01;outline-offset:-3px}.tlo-lb-sec{padding:14px 16px;border-bottom:1px solid #dfe2e8}.tlo-lb-sec h3{font-size:17px;line-height:1.35;margin:0 0 4px;color:#1E3455}.tlo-lb-sec h3 small{font-weight:400;color:#555;font-size:14px}.tlo-lb-sec p{margin:0 0 8px}.tlo-lb-text{white-space:pre-line;border-left:3px solid #FECB01;padding-left:12px;margin:0 0 6px}.tlo-lb-note{font-size:13px;color:#555;font-style:italic}.tlo-lb-badge{display:inline-block;background:#FECB01;color:#1E3455;font-size:12px;font-weight:700;padding:1px 7px;margin-left:6px}.tlo-lb-fold{margin:0 0 8px}.tlo-lb-fold>summary{cursor:pointer;color:#1E3455;font-size:14px;font-weight:700;margin-bottom:6px}.tlo-lb-links a{margin-right:14px;font-size:14px}.tlo-lb-cases,.tlo-lb-src{padding:14px 16px;background:#f6f7f9;border-top:1px solid #dfe2e8}.tlo-lb-cases h3,.tlo-lb-src h3{font-size:15px;margin:0 0 6px;color:#1E3455}.tlo-lb-cases ul,.tlo-lb-src ul{margin:0;padding:0 0 0 18px;font-size:14px}.tlo-al{font-size:14px;line-height:1.5;color:#444;margin:0 0 18px}.tlo-al details{margin-top:4px}.tlo-al summary{cursor:pointer;color:#1E3455}.tlo-al ul{margin:6px 0 0 18px;padding:0}@media print{.tlo-lb{border:1px solid #000}.tlo-lb-tabs{padding-top:0}.tlo-lb-tab>summary{position:static;width:auto;height:auto;line-height:1.4;text-align:left;background:none;border:0}.tlo-lb details::details-content{content-visibility:visible;display:block}.tlo-lb-links a{color:#000}}<\/style><script data-noptimize=\"1\" data-no-optimize=\"1\">document.addEventListener(\"DOMContentLoaded\",function(){(function(){var b=document.querySelectorAll(\".tlo-lb-tabs\");b.forEach(function(g){var t=g.querySelectorAll(\":scope>details\");t.forEach(function(d){d.firstElementChild.addEventListener(\"click\",function(e){if(d.open){e.preventDefault()}})})});var s=[];addEventListener(\"beforeprint\",function(){s=[];document.querySelectorAll(\".tlo-lb details\").forEach(function(d){s.push([d,d.open,d.getAttribute(\"name\")]);d.removeAttribute(\"name\");d.open=true})});addEventListener(\"afterprint\",function(){s.forEach(function(x){x[0].open=x[1];if(x[2]){x[0].setAttribute(\"name\",x[2])}})})})();});<\/script><section class=\"tlo-lb notranslate\" data-no-translation data-no-dynamic-translation translate=\"no\" aria-label=\"\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e17\u0e35\u0e48\u0e40\u0e01\u0e35\u0e48\u0e22\u0e27\u0e02\u0e49\u0e2d\u0e07\u0e01\u0e31\u0e1a\u0e2b\u0e19\u0e49\u0e32\u0e19\u0e35\u0e49\"><h2 class=\"tlo-lb-h\">\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e17\u0e35\u0e48\u0e40\u0e01\u0e35\u0e48\u0e22\u0e27\u0e02\u0e49\u0e2d\u0e07\u0e01\u0e31\u0e1a\u0e2b\u0e19\u0e49\u0e32\u0e19\u0e35\u0e49<\/h2><div class=\"tlo-lb-tabs\"><details class=\"tlo-lb-tab\" name=\"tlo-lb-1\" lang=\"en\" data-no-translation><summary>English<\/summary><div class=\"tlo-lb-sec\"><h3>Section 653<\/h3><p>A loan of money exceeding 2,000 baht cannot be enforced unless there is written evidence signed by the borrower. Where a loan is evidenced in writing, repayment can be proved only by written evidence signed by the lender, or by showing that the loan document was returned or cancelled.<\/p><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">A loan of money of more than two thousand baht cannot be enforced by action unless there is some written evidence of the loan signed by the borrower.\n Where a loan of money is evidenced in writing, repayment may be proved only by producing some written evidence signed by the lender, or by showing that the document evidencing the loan has been returned or has been cancelled by an endorsement on it.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-653\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 654<\/h3><p>Interest on a money loan may not exceed 15% per annum. Any excess is reduced to fifteen per cent per annum. Charging above the limit is separately an offence under the Act on Loans of Money Carrying Interest Beyond the Permitted Rate.<\/p><details class=\"tlo-lb-fold\"><summary>Full text<\/summary><p class=\"tlo-lb-text\">Interest may not be charged at a rate exceeding fifteen per cent per annum. If the contract fixes interest at a higher rate, it shall be reduced to fifteen per cent per annum.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-654\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 650<\/h3><p>Loan for consumption, definition.<\/p><details class=\"tlo-lb-fold\"><summary>Full text<\/summary><p class=\"tlo-lb-text\">A loan for consumption is a contract whereby the lender transfers ownership of a specified quantity of consumable property to the borrower, and the borrower agrees to return property of the same category, kind and quantity in place of the property lent.\n This contract is complete only upon delivery of the property lent.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-650\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 224<span class=\"tlo-lb-badge\">Amended on 11 April 2021<\/span><\/h3><p>During default a money debt bears interest at the Section 7 rate plus two per cent a year, or at any higher rate the creditor can lawfully claim on another ground. Interest on interest during default is not allowed, and proof of further damage is admissible.<\/p><details class=\"tlo-lb-fold\"><summary>Full text<\/summary><p class=\"tlo-lb-text\">A money debt bears interest during the period of default at the rate fixed under section 7 plus an additional rate of two per cent per year. If the creditor may claim a higher rate of interest on some other lawful ground, that interest shall continue to be paid accordingly.\n Interest upon interest shall not be charged during the period of default.\n Proof of damage other than the foregoing is admissible.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-224\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 7<span class=\"tlo-lb-badge\">Amended on 11 April 2021<\/span><\/h3><p>Section 7 sets the fallback interest rate that applies whenever interest is due but no rate is fixed by a juristic act or express statutory provision. The current rate is 3 percent per year, and it may be adjusted by Royal Decree reviewed every three years.<\/p><details class=\"tlo-lb-fold\"><summary>Full text<\/summary><p class=\"tlo-lb-text\">Whenever interest is to be paid and the rate is not fixed by a juristic act or by an express provision of the law, the rate shall be three per cent per year.\n The rate under paragraph one may be adjusted downwards or upwards by Royal Decree so as to accord with the economic conditions of the country. The Ministry of Finance shall ordinarily review it every three years, so as to keep it close to the average of the deposit interest rate and the lending interest rate of commercial banks.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-7\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 193\/33<\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">The following claims are subject to a prescription period of five years: (1) arrears of interest; (2) money payable by instalments in repayment of capital; (3) arrears of rent of property, except rent of movable property under section 193\/34 (6); (4) arrears of periodic payments, namely salaries, annuities, pensions, maintenance and other payments of a similar nature payable at fixed intervals; (5) claims under section 193\/34 (1), (2) and (5) which are not subject to the two-year prescription period.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-193-33\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 681\/1<span class=\"tlo-lb-badge\">Amended on 15 July 2015<\/span><\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Any agreement providing that the surety is liable in the same manner as a joint debtor, or in the capacity of a joint debtor, is void.\n Paragraph one does not apply where the surety is a juristic person which has consented to bind itself as liable in the manner of a joint debtor, or in the capacity of a joint debtor. In that case the juristic person acting as surety does not have the rights provided in Sections 688, 689 and 690.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-681-1\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 118 <small>Revenue Code<\/small><\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Where an instrument is not fully stamped, its original, counterpart, counterfoil or copy cannot be used as evidence in a civil case until duty has been paid by affixing stamps in the full amount at the rates in the schedule at the end of this Chapter and cancelling them. This does not, however, impair the right to demand the surcharge on duty under Section 113 and Section 114.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/UlRsZkRZZGI0RkVYeUh3ZEFyaS9tUT09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><\/details><details class=\"tlo-lb-tab\" name=\"tlo-lb-1\" lang=\"th\" data-no-translation open><summary>\u0e44\u0e17\u0e22<\/summary><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 653<\/h3><details class=\"tlo-lb-fold\" open><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e01\u0e32\u0e23\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e01\u0e27\u0e48\u0e32\u0e2a\u0e2d\u0e07\u0e1e\u0e31\u0e19\u0e1a\u0e32\u0e17\u0e02\u0e36\u0e49\u0e19\u0e44\u0e1b\u0e19\u0e31\u0e49\u0e19 \u0e16\u0e49\u0e32\u0e21\u0e34\u0e44\u0e14\u0e49\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e41\u0e2b\u0e48\u0e07\u0e01\u0e32\u0e23\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e43\u0e14\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e1c\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e1b\u0e47\u0e19\u0e2a\u0e33\u0e04\u0e31\u0e0d \u0e08\u0e30\u0e1f\u0e49\u0e2d\u0e07\u0e23\u0e49\u0e2d\u0e07\u0e43\u0e2b\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e04\u0e14\u0e35\u0e2b\u0e32\u0e44\u0e14\u0e49\u0e44\u0e21\u0e48\n\u0e43\u0e19\u0e01\u0e32\u0e23\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e19\u0e31\u0e49\u0e19 \u0e17\u0e48\u0e32\u0e19\u0e27\u0e48\u0e32\u0e08\u0e30\u0e19\u0e33\u0e2a\u0e37\u0e1a\u0e01\u0e32\u0e23\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19\u0e44\u0e14\u0e49\u0e15\u0e48\u0e2d\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e43\u0e14\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e22\u0e37\u0e21\u0e21\u0e32\u0e41\u0e2a\u0e14\u0e07 \u0e2b\u0e23\u0e37\u0e2d\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e2d\u0e31\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e41\u0e2b\u0e48\u0e07\u0e01\u0e32\u0e23\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e19\u0e31\u0e49\u0e19\u0e44\u0e14\u0e49\u0e40\u0e27\u0e19\u0e04\u0e37\u0e19\u0e41\u0e25\u0e49\u0e27 \u0e2b\u0e23\u0e37\u0e2d\u0e44\u0e14\u0e49\u0e41\u0e17\u0e07\u0e40\u0e1e\u0e34\u0e01\u0e16\u0e2d\u0e19\u0e25\u0e07\u0e43\u0e19\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e19\u0e31\u0e49\u0e19\u0e41\u0e25\u0e49\u0e27<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-653\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 654<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e17\u0e48\u0e32\u0e19\u0e2b\u0e49\u0e32\u0e21\u0e21\u0e34\u0e43\u0e2b\u0e49\u0e04\u0e34\u0e14\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e40\u0e01\u0e34\u0e19\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30\u0e2a\u0e34\u0e1a\u0e2b\u0e49\u0e32\u0e15\u0e48\u0e2d\u0e1b\u0e35 \u0e16\u0e49\u0e32\u0e43\u0e19\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e40\u0e01\u0e34\u0e19\u0e01\u0e27\u0e48\u0e32\u0e19\u0e31\u0e49\u0e19 \u0e01\u0e47\u0e43\u0e2b\u0e49\u0e25\u0e14\u0e25\u0e07\u0e21\u0e32\u0e40\u0e1b\u0e47\u0e19\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30\u0e2a\u0e34\u0e1a\u0e2b\u0e49\u0e32\u0e15\u0e48\u0e2d\u0e1b\u0e35<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-654\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 650<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e2d\u0e31\u0e19\u0e27\u0e48\u0e32\u0e22\u0e37\u0e21\u0e43\u0e0a\u0e49\u0e2a\u0e34\u0e49\u0e19\u0e40\u0e1b\u0e25\u0e37\u0e2d\u0e07\u0e19\u0e31\u0e49\u0e19 \u0e04\u0e37\u0e2d\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e0b\u0e36\u0e48\u0e07\u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e22\u0e37\u0e21\u0e42\u0e2d\u0e19\u0e01\u0e23\u0e23\u0e21\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e4c\u0e43\u0e19\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2a\u0e34\u0e19\u0e0a\u0e19\u0e34\u0e14\u0e43\u0e0a\u0e49\u0e44\u0e1b\u0e2a\u0e34\u0e49\u0e19\u0e44\u0e1b\u0e19\u0e31\u0e49\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e1b\u0e23\u0e34\u0e21\u0e32\u0e13\u0e21\u0e35\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e43\u0e2b\u0e49\u0e44\u0e1b\u0e41\u0e01\u0e48\u0e1c\u0e39\u0e49\u0e22\u0e37\u0e21 \u0e41\u0e25\u0e30\u0e1c\u0e39\u0e49\u0e22\u0e37\u0e21\u0e15\u0e01\u0e25\u0e07\u0e27\u0e48\u0e32\u0e08\u0e30\u0e04\u0e37\u0e19\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2a\u0e34\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e1b\u0e23\u0e30\u0e40\u0e20\u0e17 \u0e0a\u0e19\u0e34\u0e14 \u0e41\u0e25\u0e30\u0e1b\u0e23\u0e34\u0e21\u0e32\u0e13\u0e40\u0e0a\u0e48\u0e19\u0e40\u0e14\u0e35\u0e22\u0e27\u0e01\u0e31\u0e19\u0e43\u0e2b\u0e49\u0e41\u0e17\u0e19\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2a\u0e34\u0e19\u0e0b\u0e36\u0e48\u0e07\u0e43\u0e2b\u0e49\u0e22\u0e37\u0e21\u0e19\u0e31\u0e49\u0e19\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e19\u0e35\u0e49\u0e22\u0e48\u0e2d\u0e21\u0e1a\u0e23\u0e34\u0e1a\u0e39\u0e23\u0e13\u0e4c\u0e15\u0e48\u0e2d\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e2a\u0e48\u0e07\u0e21\u0e2d\u0e1a\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2a\u0e34\u0e19\u0e17\u0e35\u0e48\u0e22\u0e37\u0e21<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-650\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 224<span class=\"tlo-lb-badge\">\u0e41\u0e01\u0e49\u0e44\u0e02\u0e40\u0e21\u0e37\u0e48\u0e2d 11 \u0e40\u0e21\u0e29\u0e32\u0e22\u0e19 2564<\/span><\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e2b\u0e19\u0e35\u0e49\u0e40\u0e07\u0e34\u0e19\u0e19\u0e31\u0e49\u0e19 \u0e43\u0e2b\u0e49\u0e04\u0e34\u0e14\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e43\u0e19\u0e23\u0e30\u0e2b\u0e27\u0e48\u0e32\u0e07\u0e40\u0e27\u0e25\u0e32\u0e1c\u0e34\u0e14\u0e19\u0e31\u0e14\u0e43\u0e19\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e57 \u0e1a\u0e27\u0e01\u0e14\u0e49\u0e27\u0e22\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e40\u0e1e\u0e34\u0e48\u0e21\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30\u0e2a\u0e2d\u0e07\u0e15\u0e48\u0e2d\u0e1b\u0e35 \u0e16\u0e49\u0e32\u0e40\u0e08\u0e49\u0e32\u0e2b\u0e19\u0e35\u0e49\u0e2d\u0e32\u0e08\u0e08\u0e30\u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e44\u0e14\u0e49\u0e2a\u0e39\u0e07\u0e01\u0e27\u0e48\u0e32\u0e19\u0e31\u0e49\u0e19\u0e42\u0e14\u0e22\u0e2d\u0e32\u0e28\u0e31\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e2d\u0e37\u0e48\u0e19\u0e2d\u0e31\u0e19\u0e0a\u0e2d\u0e1a\u0e14\u0e49\u0e27\u0e22\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22 \u0e01\u0e47\u0e43\u0e2b\u0e49\u0e04\u0e07\u0e2a\u0e48\u0e07\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e15\u0e48\u0e2d\u0e44\u0e1b\u0e15\u0e32\u0e21\u0e19\u0e31\u0e49\u0e19\n\n\u0e2b\u0e49\u0e32\u0e21\u0e21\u0e34\u0e43\u0e2b\u0e49\u0e04\u0e34\u0e14\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e0b\u0e49\u0e2d\u0e19\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e43\u0e19\u0e23\u0e30\u0e2b\u0e27\u0e48\u0e32\u0e07\u0e1c\u0e34\u0e14\u0e19\u0e31\u0e14\n\n\u0e01\u0e32\u0e23\u0e1e\u0e34\u0e2a\u0e39\u0e08\u0e19\u0e4c\u0e04\u0e48\u0e32\u0e40\u0e2a\u0e35\u0e22\u0e2b\u0e32\u0e22\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e2d\u0e37\u0e48\u0e19\u0e19\u0e2d\u0e01\u0e08\u0e32\u0e01\u0e19\u0e31\u0e49\u0e19 \u0e43\u0e2b\u0e49\u0e1e\u0e34\u0e2a\u0e39\u0e08\u0e19\u0e4c\u0e44\u0e14\u0e49<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-224\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 7<span class=\"tlo-lb-badge\">\u0e41\u0e01\u0e49\u0e44\u0e02\u0e40\u0e21\u0e37\u0e48\u0e2d 11 \u0e40\u0e21\u0e29\u0e32\u0e22\u0e19 2564<\/span><\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e16\u0e49\u0e32\u0e08\u0e30\u0e15\u0e49\u0e2d\u0e07\u0e40\u0e2a\u0e35\u0e22\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e41\u0e01\u0e48\u0e01\u0e31\u0e19\u0e41\u0e25\u0e30\u0e21\u0e34\u0e44\u0e14\u0e49\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e44\u0e27\u0e49\u0e42\u0e14\u0e22\u0e19\u0e34\u0e15\u0e34\u0e01\u0e23\u0e23\u0e21\u0e2b\u0e23\u0e37\u0e2d\u0e42\u0e14\u0e22\u0e1a\u0e17\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e2d\u0e31\u0e19\u0e0a\u0e31\u0e14\u0e41\u0e08\u0e49\u0e07 \u0e43\u0e2b\u0e49\u0e43\u0e0a\u0e49\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30\u0e2a\u0e32\u0e21\u0e15\u0e48\u0e2d\u0e1b\u0e35\n\n\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e15\u0e32\u0e21\u0e27\u0e23\u0e23\u0e04\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e2d\u0e32\u0e08\u0e1b\u0e23\u0e31\u0e1a\u0e40\u0e1b\u0e25\u0e35\u0e48\u0e22\u0e19\u0e43\u0e2b\u0e49\u0e25\u0e14\u0e25\u0e07\u0e2b\u0e23\u0e37\u0e2d\u0e40\u0e1e\u0e34\u0e48\u0e21\u0e02\u0e36\u0e49\u0e19\u0e40\u0e1e\u0e37\u0e48\u0e2d\u0e43\u0e2b\u0e49\u0e2a\u0e2d\u0e14\u0e04\u0e25\u0e49\u0e2d\u0e07\u0e01\u0e31\u0e1a\u0e2a\u0e20\u0e32\u0e1e\u0e40\u0e28\u0e23\u0e29\u0e10\u0e01\u0e34\u0e08\u0e02\u0e2d\u0e07\u0e1b\u0e23\u0e30\u0e40\u0e17\u0e28\u0e44\u0e14\u0e49\u0e42\u0e14\u0e22\u0e15\u0e23\u0e32\u0e40\u0e1b\u0e47\u0e19\u0e1e\u0e23\u0e30\u0e23\u0e32\u0e0a\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 \u0e42\u0e14\u0e22\u0e1b\u0e01\u0e15\u0e34\u0e43\u0e2b\u0e49\u0e01\u0e23\u0e30\u0e17\u0e23\u0e27\u0e07\u0e01\u0e32\u0e23\u0e04\u0e25\u0e31\u0e07\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e17\u0e1a\u0e17\u0e27\u0e19\u0e17\u0e38\u0e01\u0e2a\u0e32\u0e21\u0e1b\u0e35\u0e43\u0e2b\u0e49\u0e43\u0e01\u0e25\u0e49\u0e40\u0e04\u0e35\u0e22\u0e07\u0e01\u0e31\u0e1a\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e40\u0e09\u0e25\u0e35\u0e48\u0e22\u0e23\u0e30\u0e2b\u0e27\u0e48\u0e32\u0e07\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e40\u0e07\u0e34\u0e19\u0e1d\u0e32\u0e01\u0e01\u0e31\u0e1a\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e40\u0e07\u0e34\u0e19\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e02\u0e2d\u0e07\u0e18\u0e19\u0e32\u0e04\u0e32\u0e23\u0e1e\u0e32\u0e13\u0e34\u0e0a\u0e22\u0e4c<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-7\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 193\/33<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e40\u0e23\u0e35\u0e22\u0e01\u0e23\u0e49\u0e2d\u0e07\u0e14\u0e31\u0e07\u0e15\u0e48\u0e2d\u0e44\u0e1b\u0e19\u0e35\u0e49\u0e43\u0e2b\u0e49\u0e21\u0e35\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e2d\u0e32\u0e22\u0e38\u0e04\u0e27\u0e32\u0e21\u0e2b\u0e49\u0e32\u0e1b\u0e35 (\u0e51) \u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e04\u0e49\u0e32\u0e07\u0e0a\u0e33\u0e23\u0e30 (\u0e52) \u0e40\u0e07\u0e34\u0e19\u0e17\u0e35\u0e48\u0e15\u0e49\u0e2d\u0e07\u0e0a\u0e33\u0e23\u0e30\u0e40\u0e1e\u0e37\u0e48\u0e2d\u0e1c\u0e48\u0e2d\u0e19\u0e17\u0e38\u0e19\u0e04\u0e37\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e07\u0e27\u0e14 \u0e46 (\u0e53) \u0e04\u0e48\u0e32\u0e40\u0e0a\u0e48\u0e32\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2a\u0e34\u0e19\u0e04\u0e49\u0e32\u0e07\u0e0a\u0e33\u0e23\u0e30 \u0e40\u0e27\u0e49\u0e19\u0e41\u0e15\u0e48\u0e04\u0e48\u0e32\u0e40\u0e0a\u0e48\u0e32\u0e2a\u0e31\u0e07\u0e2b\u0e32\u0e23\u0e34\u0e21\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e51\u0e59\u0e53\/\u0e53\u0e54 (\u0e56) (\u0e54) \u0e40\u0e07\u0e34\u0e19\u0e04\u0e49\u0e32\u0e07\u0e08\u0e48\u0e32\u0e22 \u0e04\u0e37\u0e2d \u0e40\u0e07\u0e34\u0e19\u0e40\u0e14\u0e37\u0e2d\u0e19 \u0e40\u0e07\u0e34\u0e19\u0e1b\u0e35 \u0e40\u0e07\u0e34\u0e19\u0e1a\u0e33\u0e19\u0e32\u0e0d \u0e04\u0e48\u0e32\u0e2d\u0e38\u0e1b\u0e01\u0e32\u0e23\u0e30\u0e40\u0e25\u0e35\u0e49\u0e22\u0e07\u0e14\u0e39\u0e41\u0e25\u0e30\u0e40\u0e07\u0e34\u0e19\u0e2d\u0e37\u0e48\u0e19 \u0e46 \u0e43\u0e19\u0e25\u0e31\u0e01\u0e29\u0e13\u0e30\u0e17\u0e33\u0e19\u0e2d\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27\u0e01\u0e31\u0e1a\u0e17\u0e35\u0e48\u0e21\u0e35\u0e01\u0e32\u0e23\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e08\u0e48\u0e32\u0e22\u0e40\u0e1b\u0e47\u0e19\u0e23\u0e30\u0e22\u0e30\u0e40\u0e27\u0e25\u0e32 (\u0e55) \u0e2a\u0e34\u0e17\u0e18\u0e34\u0e40\u0e23\u0e35\u0e22\u0e01\u0e23\u0e49\u0e2d\u0e07\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e51\u0e59\u0e53\/\u0e53\u0e54 (\u0e51) (\u0e52) \u0e41\u0e25\u0e30 (\u0e55) \u0e17\u0e35\u0e48\u0e44\u0e21\u0e48\u0e2d\u0e22\u0e39\u0e48\u0e43\u0e19\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e2d\u0e32\u0e22\u0e38\u0e04\u0e27\u0e32\u0e21\u0e2a\u0e2d\u0e07\u0e1b\u0e35<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-193-33\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 681\/1<span class=\"tlo-lb-badge\">\u0e41\u0e01\u0e49\u0e44\u0e02\u0e40\u0e21\u0e37\u0e48\u0e2d 15 \u0e01\u0e23\u0e01\u0e0e\u0e32\u0e04\u0e21 2558<\/span><\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e02\u0e49\u0e2d\u0e15\u0e01\u0e25\u0e07\u0e43\u0e14\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e43\u0e2b\u0e49\u0e1c\u0e39\u0e49\u0e04\u0e49\u0e33\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e15\u0e49\u0e2d\u0e07\u0e23\u0e31\u0e1a\u0e1c\u0e34\u0e14\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e40\u0e14\u0e35\u0e22\u0e27\u0e01\u0e31\u0e1a\u0e25\u0e39\u0e01\u0e2b\u0e19\u0e35\u0e49\u0e23\u0e48\u0e27\u0e21\u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e19\u0e10\u0e32\u0e19\u0e30\u0e40\u0e1b\u0e47\u0e19\u0e25\u0e39\u0e01\u0e2b\u0e19\u0e35\u0e49\u0e23\u0e48\u0e27\u0e21 \u0e02\u0e49\u0e2d\u0e15\u0e01\u0e25\u0e07\u0e19\u0e31\u0e49\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e42\u0e21\u0e06\u0e30 \u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e27\u0e23\u0e23\u0e04\u0e2b\u0e19\u0e36\u0e48\u0e07 \u0e21\u0e34\u0e43\u0e2b\u0e49\u0e43\u0e0a\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e41\u0e01\u0e48\u0e01\u0e23\u0e13\u0e35\u0e1c\u0e39\u0e49\u0e04\u0e49\u0e33\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0b\u0e36\u0e48\u0e07\u0e40\u0e1b\u0e47\u0e19\u0e19\u0e34\u0e15\u0e34\u0e1a\u0e38\u0e04\u0e04\u0e25\u0e41\u0e25\u0e30\u0e22\u0e34\u0e19\u0e22\u0e2d\u0e21\u0e40\u0e02\u0e49\u0e32\u0e1c\u0e39\u0e01\u0e1e\u0e31\u0e19\u0e15\u0e19\u0e40\u0e1e\u0e37\u0e48\u0e2d\u0e23\u0e31\u0e1a\u0e1c\u0e34\u0e14\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e25\u0e39\u0e01\u0e2b\u0e19\u0e35\u0e49\u0e23\u0e48\u0e27\u0e21\u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e19\u0e10\u0e32\u0e19\u0e30\u0e40\u0e1b\u0e47\u0e19\u0e25\u0e39\u0e01\u0e2b\u0e19\u0e35\u0e49\u0e23\u0e48\u0e27\u0e21 \u0e43\u0e19\u0e01\u0e23\u0e13\u0e35\u0e40\u0e0a\u0e48\u0e19\u0e19\u0e31\u0e49\u0e19\u0e1c\u0e39\u0e49\u0e04\u0e49\u0e33\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0b\u0e36\u0e48\u0e07\u0e40\u0e1b\u0e47\u0e19\u0e19\u0e34\u0e15\u0e34\u0e1a\u0e38\u0e04\u0e04\u0e25\u0e19\u0e31\u0e49\u0e19\u0e22\u0e48\u0e2d\u0e21\u0e44\u0e21\u0e48\u0e21\u0e35\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e14\u0e31\u0e07\u0e17\u0e35\u0e48\u0e1a\u0e31\u0e0d\u0e0d\u0e31\u0e15\u0e34\u0e44\u0e27\u0e49\u0e43\u0e19\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e56\u0e58\u0e58 \u0e21\u0e32\u0e15\u0e23\u0e32 \u0e56\u0e58\u0e59 \u0e41\u0e25\u0e30\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e56\u0e59\u0e50[\u0e51\u0e56]<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-681-1\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 118 <small>\u0e1b\u0e23\u0e30\u0e21\u0e27\u0e25\u0e23\u0e31\u0e29\u0e0e\u0e32\u0e01\u0e23<\/small><\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e15\u0e23\u0e32\u0e2a\u0e32\u0e23\u0e43\u0e14\u0e44\u0e21\u0e48\u0e1b\u0e34\u0e14\u0e41\u0e2a\u0e15\u0e21\u0e1b\u0e4c\u0e1a\u0e23\u0e34\u0e1a\u0e39\u0e23\u0e13\u0e4c \u0e08\u0e30\u0e43\u0e0a\u0e49\u0e15\u0e49\u0e19\u0e09\u0e1a\u0e31\u0e1a \u0e04\u0e39\u0e48\u0e09\u0e1a\u0e31\u0e1a \u0e04\u0e39\u0e48\u0e09\u0e35\u0e01 \u0e2b\u0e23\u0e37\u0e2d\u0e2a\u0e33\u0e40\u0e19\u0e32\u0e15\u0e23\u0e32\u0e2a\u0e32\u0e23\u0e19\u0e31\u0e49\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e1e\u0e22\u0e32\u0e19\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e43\u0e19\u0e04\u0e14\u0e35\u0e41\u0e1e\u0e48\u0e07\u0e44\u0e21\u0e48\u0e44\u0e14\u0e49 \u0e08\u0e19\u0e01\u0e27\u0e48\u0e32\u0e08\u0e30\u0e44\u0e14\u0e49\u0e40\u0e2a\u0e35\u0e22\u0e2d\u0e32\u0e01\u0e23\u0e42\u0e14\u0e22\u0e1b\u0e34\u0e14\u0e41\u0e2a\u0e15\u0e21\u0e1b\u0e4c\u0e04\u0e23\u0e1a\u0e08\u0e33\u0e19\u0e27\u0e19\u0e15\u0e32\u0e21\u0e2d\u0e31\u0e15\u0e23\u0e32\u0e43\u0e19\u0e1a\u0e31\u0e0d\u0e0a\u0e35\u0e17\u0e49\u0e32\u0e22\u0e2b\u0e21\u0e27\u0e14\u0e19\u0e35\u0e49 \u0e41\u0e25\u0e30\u0e02\u0e35\u0e14\u0e06\u0e48\u0e32\u0e41\u0e25\u0e49\u0e27  \u0e41\u0e15\u0e48\u0e17\u0e31\u0e49\u0e07\u0e19\u0e35\u0e49 \u0e44\u0e21\u0e48\u0e40\u0e1b\u0e47\u0e19\u0e01\u0e32\u0e23\u0e40\u0e2a\u0e37\u0e48\u0e2d\u0e21\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e17\u0e35\u0e48\u0e08\u0e30\u0e40\u0e23\u0e35\u0e22\u0e01\u0e40\u0e07\u0e34\u0e19\u0e40\u0e1e\u0e34\u0e48\u0e21\u0e2d\u0e32\u0e01\u0e23\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e51\u0e51\u0e53 \u0e41\u0e25\u0e30\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e51\u0e51\u0e54<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/UlRsZkRZZGI0RkVYeUh3ZEFyaS9tUT09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><\/details><details class=\"tlo-lb-tab\" name=\"tlo-lb-1\" lang=\"fr\" data-no-translation><summary>Fran\u00e7ais<\/summary><div class=\"tlo-lb-sec\"><h3>Article 653<\/h3><p>Le pr\u00eat d&#039;argent d&#039;un montant sup\u00e9rieur \u00e0 deux mille bahts ne peut donner lieu \u00e0 une action en ex\u00e9cution que s&#039;il existe une preuve \u00e9crite du pr\u00eat, sous quelque forme que ce soit, sign\u00e9e par l&#039;emprunteur.\n\nLorsque le pr\u00eat d&#039;argent est constat\u00e9 par \u00e9crit, le remboursement ne peut \u00eatre prouv\u00e9 que par la production d&#039;un \u00e9crit, sous quelque forme que ce soit, sign\u00e9 par le pr\u00eateur, ou par la restitution du document constatant le pr\u00eat, ou par une mention d&#039;annulation port\u00e9e sur ce document.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-653\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 654<\/h3><p>L&#039;int\u00e9r\u00eat ne peut d\u00e9passer 15 % par an; un taux contractuel sup\u00e9rieur est r\u00e9duit \u00e0 15 % par an.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-654\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 650<\/h3><p>Le pr\u00eat de consommation transf\u00e8re \u00e0 l&#039;emprunteur la propri\u00e9t\u00e9 d&#039;une quantit\u00e9 d\u00e9termin\u00e9e de biens consomptibles, \u00e0 charge d&#039;en restituer de m\u00eame esp\u00e8ce, qualit\u00e9 et quantit\u00e9; le contrat n&#039;est parfait que par la remise de la chose pr\u00eat\u00e9e.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-650\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 224<span class=\"tlo-lb-badge\">Modifi\u00e9 le 11 avril 2021<\/span><\/h3><p>Une dette d&#039;argent porte, pendant la demeure, l&#039;int\u00e9r\u00eat de l&#039;article 7 major\u00e9 de 2 % par an, ou un taux sup\u00e9rieur l\u00e9galement exigible \u00e0 un autre titre. L&#039;anatocisme pendant la demeure est interdit; la preuve d&#039;un autre dommage est admise.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-224\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 7<span class=\"tlo-lb-badge\">Modifi\u00e9 le 11 avril 2021<\/span><\/h3><p>Sans taux fix\u00e9 par acte juridique ou par une loi expresse, l&#039;int\u00e9r\u00eat d\u00fb est de 3 % par an. Ce taux peut \u00eatre modifi\u00e9 par d\u00e9cret royal; le minist\u00e8re des Finances le revoit en principe tous les 3 ans selon la moyenne des taux bancaires de d\u00e9p\u00f4t et de pr\u00eat.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-7\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 193\/33<\/h3><p>Se prescrivent par 5 ans les int\u00e9r\u00eats \u00e9chus, les versements \u00e9chelonn\u00e9s de remboursement du capital, les loyers \u00e9chus (sauf loyers mobiliers de l&#039;article 193\/34 (6)), les salaires, rentes, pensions, aliments et sommes p\u00e9riodiques similaires, et les cr\u00e9ances de l&#039;article 193\/34 (1), (2) et (5) non soumises \u00e0 2 ans.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-193-33\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 681\/1<span class=\"tlo-lb-badge\">Modifi\u00e9 le 15 juillet 2015<\/span><\/h3><p>Est nulle la clause obligeant la caution comme cod\u00e9biteur solidaire, sauf pour la caution personne morale qui y consent; celle-ci perd alors les droits pr\u00e9vus aux articles 688, 689 et 690.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-681-1\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 118 <small>Revenue Code<\/small><\/h3><p>Un acte insuffisamment timbr\u00e9, qu&#039;il s&#039;agisse de l&#039;original, du duplicata, de la souche ou d&#039;une copie, ne peut servir de preuve en mati\u00e8re civile avant paiement int\u00e9gral du droit par timbres oblit\u00e9r\u00e9s, sans pr\u00e9judice de la majoration pr\u00e9vue aux articles 113 et 114.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/UlRsZkRZZGI0RkVYeUh3ZEFyaS9tUT09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><\/details><\/div><div class=\"tlo-lb-cases\"><h3>\u0e04\u0e33\u0e1e\u0e34\u0e1e\u0e32\u0e01\u0e29\u0e32\u0e28\u0e32\u0e25\u0e0e\u0e35\u0e01\u0e32<\/h3><ul><li><a href=\"https:\/\/www.thailawonline.com\/th\/supreme-court-decisions\/5457-2560-nominee-shareholders-void\/\">5457\/2560<\/a> (2017): \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e2d\u0e33\u0e1e\u0e23\u0e32\u0e07\u0e01\u0e32\u0e23\u0e0b\u0e37\u0e49\u0e2d\u0e01\u0e34\u0e08\u0e01\u0e32\u0e23\u0e42\u0e14\u0e22\u0e43\u0e2b\u0e49\u0e04\u0e19\u0e44\u0e17\u0e22\u0e16\u0e37\u0e2d\u0e2b\u0e38\u0e49\u0e19\u0e41\u0e17\u0e19 \u0e40\u0e1b\u0e47\u0e19\u0e42\u0e21\u0e06\u0e30 \u0e41\u0e25\u0e30\u0e40\u0e23\u0e35\u0e22\u0e01\u0e40\u0e07\u0e34\u0e19\u0e04\u0e37\u0e19\u0e44\u0e21\u0e48\u0e44\u0e14\u0e49<\/li><li><a href=\"https:\/\/www.thailawonline.com\/th\/supreme-court-decisions\/2588-2564-interest-rate-amendment\/\">2588\/2564<\/a> (2021): \u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1c\u0e34\u0e14\u0e19\u0e31\u0e14\u0e1b\u0e23\u0e31\u0e1a\u0e40\u0e1b\u0e47\u0e19\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30 5 \u0e15\u0e48\u0e2d\u0e1b\u0e35 \u0e15\u0e31\u0e49\u0e07\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48 11 \u0e40\u0e21\u0e29\u0e32\u0e22\u0e19 2564<\/li><\/ul><\/div><div class=\"tlo-lb-src\"><h3>\u0e41\u0e2b\u0e25\u0e48\u0e07\u0e17\u0e35\u0e48\u0e21\u0e32<\/h3><ul><li><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e1b\u0e23\u0e30\u0e21\u0e27\u0e25\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e41\u0e1e\u0e48\u0e07\u0e41\u0e25\u0e30\u0e1e\u0e32\u0e13\u0e34\u0e0a\u0e22\u0e4c, Office of the Council of State<\/a>, \u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e39\u0e40\u0e21\u0e37\u0e48\u0e2d 31 \u0e15\u0e38\u0e25\u0e32\u0e04\u0e21 2569<\/li><li><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/UlRsZkRZZGI0RkVYeUh3ZEFyaS9tUT09\" rel=\"noopener\" target=\"_blank\">Revenue Code<\/a>, \u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e39\u0e40\u0e21\u0e37\u0e48\u0e2d 2 \u0e1e\u0e24\u0e28\u0e08\u0e34\u0e01\u0e32\u0e22\u0e19 2569<\/li><li>deka.supremecourt.or.th, Supreme Court of Thailand decisions database (copy held in our library), \u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e39\u0e40\u0e21\u0e37\u0e48\u0e2d 19 \u0e01\u0e38\u0e21\u0e20\u0e32\u0e1e\u0e31\u0e19\u0e18\u0e4c 2569<\/li><\/ul><\/div><\/section>\n\n\n<h2 class=\"wp-block-heading\" id=\"loan-legal-checks\">Legal checks before signing or recovering a loan<\/h2>\n\n\n<h3 class=\"wp-block-heading\">Evidence, delivery and interest<\/h3>\n\n\n<p class=\"wp-block-paragraph\">For a loan exceeding 2,000 THB, Section 653 requires written evidence signed by the borrower for court enforcement. The evidence need not be a formal paper contract signed on the day of the advance. Electronic records and signatures meeting Sections 8 and 9 of the Electronic Transactions Act also qualify. A chat message is neither automatically sufficient nor automatically worthless: preserve the complete record, sender identification, agreed terms and transfer evidence. See the <a href=\"https:\/\/www.etda.or.th\/th\/Useful-Resource\/knowledge-sharing\/articles\/e-Signature\/trustworthy-e-Signature-FAQ.aspx\" target=\"_blank\" rel=\"noopener\">ETDA guidance on electronic signatures<\/a>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">For an ordinary private loan, Section 654 sets a 15% annual ceiling. Do not assume an unlawful interest agreement survives at 15%: an agreement violating the usury prohibition is void as to contractual interest, while principal and lawful default interest require separate treatment. Section 654 itself says an excessive rate is reduced to 15%, but where the rate also breaches the usury Act the Supreme Court treats the interest term as void: the loan is read as carrying no agreed interest, none runs before default, and payments already made go to principal (Supreme Court Decision 2131\/2560). Licensed lenders governed by special legislation have different rules. The 2017 Excessive Interest Rate Prohibition Act also prohibits disguised overcharging and carries up to two years\u2019 imprisonment, a fine up to 200,000 THB, or both. See the <a href=\"https:\/\/www.dsi.go.th\/th\/Detail\/Excessive-Interest-Rate-Prohibition-Act-B-E-2560\" target=\"_blank\" rel=\"noopener\">Act published by DSI<\/a>.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><strong>Ordinary and default interest differ.<\/strong> Section 7 supplies 3% where interest is payable but its rate is not fixed by agreement or an express legal provision. Silence does not automatically make an interest-free loan bear ordinary interest. Section 224 sets default interest at the Section 7 rate plus two percentage points, currently 5%, subject to a lawful higher entitlement. Section 224\/1 addresses overdue instalment principal. See the <a href=\"https:\/\/old.parliament.go.th\/ewtadmin\/ewt\/parliament_parcy\/ewt_dl_link.php?filename=Thai_National_Assembly&amp;nid=80157\" target=\"_blank\" rel=\"noopener\">Parliament explanation of the 2021 amendments<\/a>.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Stamp duty and recovery deadlines<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Under <a href=\"https:\/\/www.rd.go.th\/english\/37773.html\" target=\"_blank\" rel=\"noopener\">Stamp Duty Schedule Item 5<\/a>, a loan instrument ordinarily attracts 1 THB for every 2,000 THB or fraction of the loan amount, capped at 10,000 THB, subject to exemptions. This is approximately 0.05%, with upward rounding. A qualifying duplicate under Item 23 attracts 1 THB if original duty is no more than 5 THB, otherwise 5 THB. Check the applicable payment method and deadline for the instrument and its execution: adhesive stamps are not the only permitted route.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Unpaid duty does not itself invalidate the loan. <a href=\"https:\/\/www.rd.go.th\/english\/37759.html\" target=\"_blank\" rel=\"noopener\">Revenue Code Section 118<\/a> restricts use of an insufficiently stamped instrument as evidence in a civil case until the duty requirements are satisfied. This is an evidence issue, not an absolute prohibition on filing proceedings. Late payment requires the applicable surcharge; arrange regularisation promptly with the Revenue Department.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Do not apply a ten-year deadline to every loan payment. Section 193\/30 provides a ten-year general period where no specific period applies; instalments repaying principal fall under the five-year period in Section 193\/33(2), and interest claims have their own five-year rule. Acceleration and the particular claim affect the calculation. A creditor\u2019s demand letter alone does not interrupt <a href=\"https:\/\/www.thailawonline.com\/glossary\/prescription\/\">prescription<\/a>. Section 193\/14 covers events such as the debtor\u2019s acknowledgment, qualifying part payment and legal proceedings. Have the earliest deadline checked before waiting or negotiating. See the <a href=\"https:\/\/phuwiang.cdd.go.th\/th\/file\/get\/file\/1066.202605108e47b2bb7600ebe866d3715001b7c0ef144305.pdf\" target=\"_blank\" rel=\"noopener\">Community Development Department debt-recovery manual<\/a>, prescription discussion and statutory extracts.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Business lending and international payments<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Foreign nationality alone does not prevent a genuine private loan. However, the activity, parties, funding, security and cross-border elements determine which rules apply. Do not treat a private loan as permission to operate a lending business or fund a <a href=\"https:\/\/www.thailawonline.com\/glossary\/nominee\/\">nominee<\/a> landholding arrangement.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><strong>Lending as a business.<\/strong> Licensing depends on the lending activity and applicable Ministry of Finance and Bank of Thailand regime. <a href=\"https:\/\/www.thailawonline.com\/glossary\/foreign-business-act\/\">Foreign Business Act<\/a> restrictions require a separate check for a foreign operator. There is no simple safe harbour based on calling the transaction a one-off loan. See the <a href=\"https:\/\/www.bot.or.th\/th\/our-services\/public-handbook\/bank-and-nonbank\/personal-loan.html\" target=\"_blank\" rel=\"noopener\">BOT regulated personal-loan licensing guide<\/a>.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><strong>Currency and cross-border payments.<\/strong> A THB denomination does not remove exchange-control or bank-documentation requirements for international transfers and non-resident transactions. Confirm the payment route and supporting documents with the authorised bank before sending funds. See the <a href=\"https:\/\/www.bot.or.th\/en\/our-roles\/financial-markets\/foreign-exchange-regulations\/exchange-control-regulation.html\" target=\"_blank\" rel=\"noopener\">BOT exchange-control summary<\/a>.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Signing and enforcement<\/h3>\n\n\n<p class=\"wp-block-paragraph\">For an ordinary loan signed by hand, witnesses are generally optional. Section 9 contains special requirements for a fingerprint or other mark used instead of a signature. Witnesses should observe the signing and be identifiable; their signatures do not replace evidence of delivery.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Notarial certification is not a general condition for enforcing a domestic loan. For overseas use, confirm the receiving authority\u2019s certification, translation and <a href=\"https:\/\/www.thailawonline.com\/glossary\/legalization-of-documents\/\">legalisation<\/a> requirements. The loan amount alone creates no universal notarisation requirement.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Use wording both parties understand and reconcile the Thai and English versions before signing. State the agreed prevailing language expressly. Do not assume every bilingual dispute automatically gives priority to Thai regardless of the parties\u2019 intention. Court-language and translation requirements are a separate issue.<\/p>\n\n\n<p class=\"wp-block-paragraph\">An acceleration clause affects when the outstanding principal becomes due, subject to its wording and applicable law. Several matured instalments need not produce several lawsuits. A court clause alone does not establish jurisdiction, particularly with an overseas defendant. Mortgage enforcement has separate registration and notice requirements.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Targeted review: 21 September 2026. This section and the FAQs address loan evidence, interest, repayment deadlines, stamp duty and related safeguards. Downloadable files require a separate document review before use.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><strong>Last reviewed: 25 September 2026.<\/strong> Sections 7, 9, 193\/14, 193\/30, 193\/33, 224, 224\/1, 653, 654, 681\/1 and 728 of the <a href=\"https:\/\/www.thailawonline.com\/glossary\/thai-civil-and-commercial-code\/\">Civil and Commercial Code<\/a> were read in the Thai text in our annotated Code; section 4 of the Excessive Interest Rate Prohibition Act B.E. 2560 in its published text; items 5 and 23 of the stamp duty schedule on the Revenue Department&#8217;s own schedule page; and Supreme Court Decision 2131\/2560 in full. Not re-checked in this review: the Electronic Transactions Act, Revenue Code section 118 and the lending-licence and exchange-control guidance linked above. Re-read on 5 October 2026 against that stamp; one change: the 2,000-baht banner now says written evidence signed by the borrower, as section 653 does, rather than that the loan must be in writing. Re-checked on 6 October 2026: Electronic Transactions Act sections 8 and 9 (consolidated to 2019), Revenue Code section 118 and Schedule item 5 read in Thai; every statement on them matches; nothing changed; the lending-licence and exchange-control guidance is still not re-checked.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"guarantor\">Adding a guarantor requires a separate legal check<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A guarantor is optional. The absence of a guarantee does not make an unsecured loan agreement defective. If a third party agrees to guarantee repayment, record the obligation in writing with that person\u2019s signature and identify the secured debt and the agreed limits. A mortgage and a personal guarantee are different forms of security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do not make an individual guarantor liable \u201cas a joint debtor\u201d through a standard-form clause. Section 681\/1 of the Civil and Commercial Code invalidates that wording. Its second paragraph contains an exception for a juristic-person guarantor that consents to joint-debtor liability; that guarantor then loses the protections in Sections 688, 689 and 690. Check the contract date and applicable transitional rules before applying the 2015 amendments to an older agreement. Read <a href=\"https:\/\/www.thailawonline.com\/thai-civil-code\/section-681-1\/\">Section 681\/1 and its amendment notes<\/a> before adding a guarantee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Our Clients Say<\/h2>\n\n\n\n<div class=\"tlo-testimonial-grid\" style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin:28px 0\"><figure style=\"margin:0;background:#ffffff;border:1px solid #e3e7ee;border-top:4px solid #FECB01;border-radius:10px;padding:22px 22px 18px;display:flex;flex-direction:column;box-shadow:0 2px 8px rgba(30,52,85,.06)\"><div aria-label=\"5 out of 5 stars\" style=\"color:#FECB01;font-size:18px;letter-spacing:2px;margin-bottom:8px\">\u2605\u2605\u2605\u2605\u2605<\/div><p style=\"font-weight:700;color:#1E3455;font-size:1.05rem;line-height:1.35;margin:0 0 10px\">A highly professional job<\/p><blockquote style=\"margin:0 0 14px;padding:0;border:0;font-style:italic;font-size:.97rem;line-height:1.6;color:#334155;flex:1\">You all did a highly professional job translating my Canadian legal expectations into a framework that actually holds up under the Thai Civil and Commercial Code, successfully balancing my protective requirements (legal, financial and fiscal), with a fair arrangement for my partner. It&#8217;s been delightful working with you and you can expect more work coming your way from us and our friends as we&#8217;ll recommend you.<\/blockquote><figcaption style=\"font-size:.92rem;color:#1E3455\"><strong>Dominic D.<\/strong><br><span style=\"color:#64748b\">Loan agreement and mortgage, Koh Samui, September 2026<\/span><\/figcaption><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">FAQ \u00b7 \u0e04\u0e33\u0e16\u0e32\u0e21\u0e17\u0e35\u0e48\u0e1e\u0e1a\u0e1a\u0e48\u0e2d\u0e22<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1788700000000\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Must a loan be in writing? \/ \u0e15\u0e49\u0e2d\u0e07\u0e17\u0e33\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e44\u0e2b\u0e21<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For principal above 2,000 THB, court enforcement requires written evidence signed by the borrower under Section 653. This is not the same as requiring a formal paper contract for the loan to exist. Qualifying electronic evidence is recognised.<br \/><span style=\"color:#7a8694\">\u0e40\u0e07\u0e34\u0e19\u0e01\u0e39\u0e49\u0e40\u0e01\u0e34\u0e19 2,000 \u0e1a\u0e32\u0e17\u0e15\u0e49\u0e2d\u0e07\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49\u0e08\u0e36\u0e07\u0e08\u0e30\u0e1f\u0e49\u0e2d\u0e07\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e04\u0e14\u0e35\u0e44\u0e14\u0e49\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 653 \u0e44\u0e21\u0e48\u0e43\u0e0a\u0e48\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e27\u0e48\u0e32\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e08\u0e30\u0e40\u0e01\u0e34\u0e14\u0e02\u0e36\u0e49\u0e19\u0e44\u0e14\u0e49\u0e40\u0e09\u0e1e\u0e32\u0e30\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e17\u0e33\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e23\u0e30\u0e14\u0e32\u0e29 \u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25\u0e2d\u0e34\u0e40\u0e25\u0e47\u0e01\u0e17\u0e23\u0e2d\u0e19\u0e34\u0e01\u0e2a\u0e4c\u0e17\u0e35\u0e48\u0e40\u0e02\u0e49\u0e32\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e43\u0e0a\u0e49\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e44\u0e14\u0e49<\/span><\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1788700000001\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Maximum interest? \/ \u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e2a\u0e39\u0e07\u0e2a\u0e38\u0e14<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>An ordinary private loan is subject to the 15% annual ceiling. An unlawful interest agreement is not automatically saved at 15%; criminal liability also requires consideration. Special rules apply to licensed lenders.<br \/><span style=\"color:#7a8694\">\u0e40\u0e07\u0e34\u0e19\u0e01\u0e39\u0e49\u0e40\u0e2d\u0e01\u0e0a\u0e19\u0e17\u0e31\u0e48\u0e27\u0e44\u0e1b\u0e21\u0e35\u0e40\u0e1e\u0e14\u0e32\u0e19\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30 15 \u0e15\u0e48\u0e2d\u0e1b\u0e35 \u0e02\u0e49\u0e2d\u0e15\u0e01\u0e25\u0e07\u0e14\u0e2d\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e17\u0e35\u0e48\u0e1c\u0e34\u0e14\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e44\u0e21\u0e48\u0e44\u0e14\u0e49\u0e21\u0e35\u0e1c\u0e25\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e17\u0e35\u0e48\u0e23\u0e49\u0e2d\u0e22\u0e25\u0e30 15 \u0e42\u0e14\u0e22\u0e2d\u0e31\u0e15\u0e42\u0e19\u0e21\u0e31\u0e15\u0e34 \u0e41\u0e25\u0e30\u0e15\u0e49\u0e2d\u0e07\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e04\u0e27\u0e32\u0e21\u0e23\u0e31\u0e1a\u0e1c\u0e34\u0e14\u0e2d\u0e32\u0e0d\u0e32\u0e14\u0e49\u0e27\u0e22 \u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u0e17\u0e35\u0e48\u0e44\u0e14\u0e49\u0e23\u0e31\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e2d\u0e22\u0e39\u0e48\u0e20\u0e32\u0e22\u0e43\u0e15\u0e49\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e09\u0e1e\u0e32\u0e30<\/span><\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1788700000002\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can a foreigner lend for property? \/ \u0e15\u0e48\u0e32\u0e07\u0e0a\u0e32\u0e15\u0e34\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u0e0b\u0e37\u0e49\u0e2d\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e44\u0e14\u0e49\u0e44\u0e2b\u0e21<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A genuine loan and registered mortgage do not confer land ownership on a foreign lender. Check title, the borrower\u2019s ownership and authority, registration and the funding arrangement. A mortgage does not legalise nominee landholding.<br \/><span style=\"color:#7a8694\">\u0e01\u0e32\u0e23\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u0e08\u0e23\u0e34\u0e07\u0e41\u0e25\u0e30\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e08\u0e33\u0e19\u0e2d\u0e07\u0e44\u0e21\u0e48\u0e44\u0e14\u0e49\u0e17\u0e33\u0e43\u0e2b\u0e49\u0e1c\u0e39\u0e49\u0e43\u0e2b\u0e49\u0e01\u0e39\u0e49\u0e15\u0e48\u0e32\u0e07\u0e0a\u0e32\u0e15\u0e34\u0e44\u0e14\u0e49\u0e01\u0e23\u0e23\u0e21\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e4c\u0e17\u0e35\u0e48\u0e14\u0e34\u0e19 \u0e15\u0e49\u0e2d\u0e07\u0e15\u0e23\u0e27\u0e08\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e2a\u0e34\u0e17\u0e18\u0e34 \u0e01\u0e23\u0e23\u0e21\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e4c\u0e41\u0e25\u0e30\u0e2d\u0e33\u0e19\u0e32\u0e08\u0e02\u0e2d\u0e07\u0e1c\u0e39\u0e49\u0e01\u0e39\u0e49 \u0e01\u0e32\u0e23\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19 \u0e41\u0e25\u0e30\u0e17\u0e35\u0e48\u0e21\u0e32\u0e02\u0e2d\u0e07\u0e40\u0e07\u0e34\u0e19 \u0e01\u0e32\u0e23\u0e08\u0e33\u0e19\u0e2d\u0e07\u0e44\u0e21\u0e48\u0e44\u0e14\u0e49\u0e17\u0e33\u0e43\u0e2b\u0e49\u0e01\u0e32\u0e23\u0e16\u0e37\u0e2d\u0e17\u0e35\u0e48\u0e14\u0e34\u0e19\u0e41\u0e17\u0e19\u0e04\u0e19\u0e15\u0e48\u0e32\u0e07\u0e14\u0e49\u0e32\u0e27\u0e0a\u0e2d\u0e1a\u0e14\u0e49\u0e27\u0e22\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22<\/span><\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"related\">Related \u00b7 \u0e17\u0e35\u0e48\u0e40\u0e01\u0e35\u0e48\u0e22\u0e27\u0e02\u0e49\u0e2d\u0e07<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/thai-civil-code\/section-653\/\">CCC \u00a7653<\/a> \u00b7 <a href=\"\/thai-civil-code\/section-654\/\">\u00a7654<\/a> \u00b7 <a href=\"\/thai-civil-code\/section-728\/\">\u00a7728 mortgage<\/a> \u00b7 <a href=\"\/glossary\/loan-agreement\/\">Glossary: loan agreement<\/a> \u00b7 <a href=\"\/debt-collection-lawyer-in-thailand\/\">Debt collection<\/a> \u00b7 <a href=\"\/explaining-our-membership\/\">Membership<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"our-fees\">Our fee for a loan agreement<\/h2>\n\n\n<div class=\"tlo-trust-fees\">\n            \n            <div class=\"tlo-trust-fees__scroll\">\n                <table class=\"tlo-trust-fees__table\">\n                    <thead>\n                        <tr>\n                            <th scope=\"col\">\u0e1a\u0e23\u0e34\u0e01\u0e32\u0e23<\/th>\n                            <th scope=\"col\">\u0e04\u0e48\u0e32\u0e1a\u0e23\u0e34\u0e01\u0e32\u0e23\u0e41\u0e1a\u0e1a\u0e40\u0e2b\u0e21\u0e32\u0e08\u0e48\u0e32\u0e22<\/th>\n                            <th scope=\"col\">\u0e2a\u0e34\u0e48\u0e07\u0e17\u0e35\u0e48\u0e23\u0e27\u0e21\u0e2d\u0e22\u0e39\u0e48\u0e43\u0e19\u0e1a\u0e23\u0e34\u0e01\u0e32\u0e23<\/th>\n                            <th scope=\"col\">\u0e23\u0e30\u0e22\u0e30\u0e40\u0e27\u0e25\u0e32<\/th>\n                        <\/tr>\n                    <\/thead>\n                    <tbody>\n                                            <tr>\n                            <th scope=\"row\" class=\"tlo-trust-fees__name\">\n                                Loan agreement                            <\/th>\n                            <td class=\"tlo-trust-fees__price\">\n                                4,900 THB                                                            <\/td>\n                            <td>Bilingual loan agreement covering amount, interest, repayment, collateral, default remedies and dispute resolution.<\/td>\n                            <td>2 to 4 business days<\/td>\n                        <\/tr>\n                                        <\/tbody>\n                <\/table>\n            <\/div>\n\n                            <p class=\"tlo-trust-fees__note\"> Government disbursements are charged at cost unless the service says they are included.                <\/p>\n            \n                            <p class=\"tlo-trust-fees__cta\">\n                    <a class=\"tlo-trust-btn\" href=\"https:\/\/www.thailawonline.com\/th\/book-consultation\/\">\n                        \u0e08\u0e2d\u0e07\u0e01\u0e32\u0e23\u0e1b\u0e23\u0e36\u0e01\u0e29\u0e32                    <\/a>\n                    <span class=\"tlo-trust-badge tlo-trust-badge--response\"><span class=\"tlo-trust-badge__tick\" aria-hidden=\"true\">&#9679;<\/span> Answer within 24 to 48 hours <span class=\"tlo-trust-badge__langs\">EN \u00b7 FR \u00b7 TH<\/span><\/span>                <\/p>\n                    <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>These fees come from one source and are the same everywhere on this site. See <a href=\"\/pricing\/\">all our fees<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"free-tools\">Try it yourself first, free<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You do not have to book anything to get started. These run in your browser, and you only pay us if you decide you want a lawyer involved.<\/p>\n\n\n<div class=\"tlo-trust-tools\">\n                            <div class=\"tlo-trust-tool\">\n                    <p class=\"tlo-trust-tool__title\">\n                        \u0e40\u0e04\u0e23\u0e37\u0e48\u0e2d\u0e07\u0e21\u0e37\u0e2d\u0e2a\u0e23\u0e49\u0e32\u0e07\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22                        <span class=\"tlo-trust-tool__tier tlo-trust-tool__tier--gold\">\n                            \u0e2a\u0e21\u0e32\u0e0a\u0e34\u0e01 Gold                        <\/span>\n                    <\/p>\n                    <p class=\"tlo-trust-tool__blurb\">\u0e40\u0e2d\u0e01\u0e2a\u0e32\u0e23\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32\u0e2a\u0e34\u0e1a\u0e09\u0e1a\u0e31\u0e1a \u0e08\u0e32\u0e01\u0e41\u0e1a\u0e1a\u0e2a\u0e2d\u0e1a\u0e16\u0e32\u0e21\u0e41\u0e1a\u0e1a\u0e21\u0e35\u0e04\u0e33\u0e41\u0e19\u0e30\u0e19\u0e33 \u0e14\u0e49\u0e27\u0e22\u0e16\u0e49\u0e2d\u0e22\u0e04\u0e33\u0e02\u0e2d\u0e07\u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e40\u0e23\u0e32\u0e40\u0e2d\u0e07<\/p>\n                                            <a class=\"tlo-trust-btn\" href=\"https:\/\/www.thailawonline.com\/th\/legal-document-maker\/\" data-tlo-event=\"tool_click\" data-tool=\"document-maker\">\n                            \u0e40\u0e1b\u0e34\u0e14\u0e40\u0e04\u0e23\u0e37\u0e48\u0e2d\u0e07\u0e21\u0e37\u0e2d                        <\/a>\n                                    <\/div>\n                            <div class=\"tlo-trust-tool\">\n                    <p class=\"tlo-trust-tool__title\">\n                        \u0e16\u0e32\u0e21\u0e1c\u0e39\u0e49\u0e0a\u0e48\u0e27\u0e22 AI \u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32                        <span class=\"tlo-trust-tool__tier tlo-trust-tool__tier--free\">\n                            \u0e1f\u0e23\u0e35                        <\/span>\n                    <\/p>\n                    <p class=\"tlo-trust-tool__blurb\">\u0e40\u0e23\u0e35\u0e22\u0e19\u0e23\u0e39\u0e49\u0e08\u0e32\u0e01\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e44\u0e17\u0e22\u0e41\u0e25\u0e30\u0e04\u0e33\u0e1e\u0e34\u0e1e\u0e32\u0e01\u0e29\u0e32\u0e28\u0e32\u0e25\u0e0e\u0e35\u0e01\u0e32\u0e01\u0e27\u0e48\u0e32 77,000 \u0e04\u0e14\u0e35 \u0e16\u0e32\u0e21\u0e44\u0e14\u0e49\u0e17\u0e38\u0e01\u0e40\u0e23\u0e37\u0e48\u0e2d\u0e07 \u0e1f\u0e23\u0e35<\/p>\n                                            <button type=\"button\" class=\"tlo-trust-btn tlo-trust-tool__chat\"\n                                data-tlo-event=\"assistant_open\">\n                            \u0e16\u0e32\u0e21\u0e04\u0e33\u0e16\u0e32\u0e21                        <\/button>\n                                    <\/div>\n                    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Loan Agreement \u00b7 \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19 A bilingual loan agreement that holds up in a Thai court \u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e39\u0e49\u0e22\u0e37\u0e21\u0e40\u0e07\u0e34\u0e19\u0e2a\u0e2d\u0e07\u0e20\u0e32\u0e29\u0e32\u0e17\u0e35\u0e48\u0e43\u0e0a\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e44\u0e14\u0e49\u0e43\u0e19\u0e28\u0e32\u0e25\u0e44\u0e17\u0e22 \u2713 Bilingual EN\/TH \u00a0\u00b7\u00a0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"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 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