Thailand extends temporary mortgage LTV relaxation through June 2027

Which housing loans can use the 100% ceiling

The relaxation covers two categories. For collateral valued below THB 10 million, the LTV ceiling can reach 100% from the second housing-loan contract onward. For collateral valued at THB 10 million or more, the 100% ceiling can apply from the first contract.

This is a regulatory ceiling, not an entitlement to borrow the full value of a property. The measure temporarily removes lower LTV caps for the covered cases; it does not compel a lender to approve a particular amount.

The notification applies to institutions covered by the Bank of Thailand framework, including locally registered commercial banks and specialised financial institutions. A borrower's actual options still depend on whether a lender offers a suitable housing-loan product and approves the application.

For practical context, see Thailand economy and finance. This development also connects with Thailand Extends 7% VAT Rate Through September 2027.

Why a 100% ceiling does not remove financing risk

Lenders still assess repayment capacity and borrower quality. In the Bank of Thailand's explanation of the temporary relaxation, the central bank made clear that a higher regulatory ceiling may not result in a loan being approved at the full 100% of collateral value.

For foreign buyers, the point is even more basic: the LTV relaxation does not create mortgage eligibility or override a bank's borrower requirements. A buyer should first establish whether a suitable loan is available for their status and income, then work out how much of the purchase can realistically be financed.