Financial Services

Mortgage Calculator

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Calculate your monthly payments, compare bank rates, and plan your investment — all in one place.

20%
5%50%

= 600,000 บาท

30 years
5 years35 years

Bank of Ayudhya (Krungsri)

Last updated: 2026-03-01

Source: ธนาคารกรุงศรีอยุธยา — อัตราดอกเบี้ยเงินให้สินเชื่อ

Monthly Payment

15,839

THB / month

Loan Amount

2,400,000

THB

Down Payment

600,000

THB

Total Interest

3,302,040

THB

Total Repayment

5,702,040

THB

Recommended Income

39,598 THB/month

Minimum monthly income (payment ≤ 40% of income)

⚠️ Interest rates shown are reference MRR rates as of the dates indicated. They do not represent your actual loan rate. Always confirm the rate and terms directly with your bank before making a financial decision. Calculator results are estimates only.

Special Option

Finance Directly with The Celina

An option for buyers seeking greater flexibility

Piampit Development offers direct installment plans — no bank required. Terms are negotiated individually. Contact our sales team for a personalised offer.

Ask About Direct Financing

Reference Interest Rates (MRR)

BankMRR (% p.a.)Last updated
Krungsri (BAY)Bank of Ayudhya (Krungsri)6.920%2026-03-01
BBLBangkok Bank (BBL)6.600%2026-03-04
GHBGovernment Housing Bank (GHB)6.500%2026-03-04
KBankKasikorn Bank (KBank)6.580%2026-03-02
KTBKrungthai Bank (KTB)6.570%2026-03-02
SCBSCB (Siam Commercial Bank)6.745%2026-03-01
TTBTMBThanachart Bank (TTB)6.650%2026-03-01

Interest rates shown are reference MRR rates as of the dates indicated. They do not represent your actual loan rate. Always confirm the rate and terms directly with your bank before making a financial decision. Calculator results are estimates only.

Frequently Asked Questions

What is the minimum down payment for a condo?+
Thai banks typically require 5–20% down payment. For condos priced under 10M THB, banks often approve loans of 90–95%, subject to your credit score and income.
What is MRR and how does it affect my home loan rate?+
MRR (Minimum Retail Rate) is the bank's base lending rate for retail customers. Home loan rates are often quoted as MRR − X% for a promotional period, then MRR ± Y% thereafter. The exact rate depends on each bank's offer.
How many years should I choose for my loan term?+
A longer term lowers monthly payments but increases total interest paid. As a rule of thumb, monthly payments should not exceed 30–40% of your gross income. Choose a term that you can comfortably sustain long-term.
Can I use these numbers to apply for a bank loan?+
These figures are estimates only. Actual loan approval depends on your credit score, income, existing liabilities, and each bank's specific criteria. Always submit documents and confirm terms directly with your chosen bank.
Does The Celina help with bank loan applications?+
Our consultants are happy to provide initial guidance and help you prepare documents for your loan application. Schedule a free consultation via our Contact page.

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