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How many banks currently offer loans for Thais abroad? Where are they?

There are currently 3 banks that provide loans for Thais working abroad:

1. Government Housing Bank
2. UOB Bank
3. Siam Commercial Bank

Since all 3 banks have a policy of providing loans to Thais with income abroad, the summary is as follows:

1. Government Housing Bank (GHB)

For GH Bank home loans for Thais abroad, the loan amount does not exceed 85% of the collateral. It is a loan for purchasing a home. There is 1 agent acting on behalf of the bank, with some guarantee money for bad debts to the bank. It does not accept vacant land as collateral.

2. United Overseas Bank (UOB)

In addition to providing loans for buying houses and condos in Thailand, UOB also provides home loans for cash, including home construction loans or custom-built home loans. Loans will be provided to Thais who have income abroad in any country or can use the income of their foreign husbands in 20 countries to apply for a joint loan with their Thai spouses (equal marriage is allowed to borrow). The maximum loan amount is not more than 85%-100%.

The reason is that UOB has branches abroad to help with debt collection (branches abroad cannot provide loans), such as branches in Europe in England, France, or branches in Australia, America, Japan, Singapore, etc.

3. Siam Commercial Bank

Providing all types of housing loans, commercial loans, home loans for cash, home construction loans up to 70% for Thais with income abroad, and land purchase loans, land loans for cash with a credit limit of 50%.

You can use your foreign spouse's income to apply for a loan with your Thai spouse from any country (equal marriage is allowed to apply for a loan).

In summary, other than these 3 banks, other banks do not have a policy to provide this type of loan and have not received permission from the Bank of Thailand (BOT) because they do not have branches abroad that can help with debt collection.

If you work and earn income abroad or have a foreign spouse and are interested in applying for a loan to buy a house or condo in Thailand, both new and used houses, or refinance a house or condo, DDcapital is a financial advisor licensed by the Ministry of Finance and is a partner of 2 of the 3 banks mentioned above.

We are happy to provide free consultation on loan applications for Thais living abroad, home loans for cash, and foreign husband loans. You do not have to pay any fees in advance before loan approval. Relax and worry-free.

You can consult about loans every day, Monday-Sunday, 8:30-20:00, Thai time.