Despite the fact that some banks in Thailand allow foreigners to obtain loans, this is not always the case. In order to be eligible for a loan in Thailand, you must be a Thai citizen and have property registered in your name. There are certain conditions for these loans, and you will need to contact the retail bank directly to find out whether or not you qualify. Once you have been approved, you can then proceed to purchase the property.
There are several banks that offer mortgages to foreigners in Thailand. The first is ICBC, a Chinese multinational state-owned commercial bank. It offers mortgages to foreigners in Thailand but only to those who are citizens of China, Macau, Taiwan, Malaysia, and some other Asian countries. Those who are eligible for mortgages through ICBC are expected to have a salary of 80,000 THB. Other local banks only offer mortgages to foreigners who are married to Thais. This does not allow foreign spouses to legally own property in Thailand.
Moreover, to obtain a loan in Thailand, a foreigner must have a Thai work permit. This permit must be valid for one year. Moreover, a foreigner must also present proof of income from a Thai company, preferably a well-established one, and monthly earnings that are at least three times the repayment amount. Lastly, the foreigner must have a fixed income of at least three times the amount of the monthly instalment.
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