Secure & Legal Private Loans for Property Owners in Thailand
Are you a foreigner owning property in Thailand and in need of fast liquidity? We provide legal private financing solutions. Use your property as secure collateral to access immediate funds with complete peace of mind
Interest Rates Start from
0.75%
per month
Our Reviews
Why Choose InnoHome for Your Financing Needs?
Competitive Low Interest Rates
Enjoy highly affordable financing with interest rates starting from just 0.75% per month (9% annually). We strictly comply with Thai law, ensuring rates never exceed the legal maximum of 1.25% per month (15% annually).
No Extensive Financial Checks
Because our approvals are entirely asset-based, your property serves as your credit. We do not require complex income verification, bank statements, or National Credit Bureau (NCB) checks. This ensures a fast and hassle-free approval process.
No Intent to Seize Assets
Our investors are focused strictly on earning reliable interest returns, not on acquiring your real estate. Whether you choose a standard mortgage or a sale with right of redemption agreement, our ultimate goal is a win-win scenario: we want every client to successfully clear their loan and redeem their property.
No Financial History Check & Transparent Process
Because your loan is fully secured by your property, we do not require complex financial history or credit bureau checks. InnoHome will expertly assist you in preparing all necessary legal documents, ensuring that every procedure is transparently and safely conducted exclusively at the government Land Office.
Fast Approval & High Funding Amount
Unlock substantial liquidity by securing up to 60% of your property’s assessed market value. We provide preliminary approval within just 1 business day. Once the official contract is executed at the Land Office, your funds will be disbursed directly to you on the date of contract. It usually takes about 3 business days after property valuation.
3 Simple Steps to Unlock Your Property’s Value with InnoHome
1. Initial Inquiry & Document Submission
Contact our team to discuss your property and financial needs. Simply provide us with basic details about your property, a copy of the title deed, thorough pictures of your property, and your desired loan amount so we can begin our preliminary review.
2. Fast Appraisal & Loan Offer
Our expert assessment team will conduct a prompt online appraisal to evaluate your property's market value. We will then present you with a clear, straightforward offer detailing your approved loan amount and applicable interest rate.
3. Contract Signing & Fund Disbursement
Once you accept the offer, we will schedule an appointment to complete the official procedure at the government Land Office. After the contract is securely signed and registered, your funds will be disbursed to you on the very same day.
Desirable Property Types
Land
House
Condominium
Office Building
Apartment Building
Shophouse
Hotel
Factory
Resort
Apartment
***And All Types of Real Estate**
Estimated Loan & Interest Schedule
Please note: The figures provided in the table below are estimates for illustrative purposes only and may differ from the exact final amounts on the date of contract execution. Final loan approval, funding amounts, and applicable interest rates are subject to a comprehensive property appraisal, the specific condition of the asset, location, and other relevant factors.
Estimated Loan Amount
600,000
1,200,000
1,800,000
2,400,000
3,000,000
3,600,000
4,200,000
4,800,000
5,400,000
6,000,000
Starting Interest Rate
0.75% per month
0.75% per month
0.75% per month
0.75% per month
0.75% per month
0.75% per month
0.75% per month
0.75% per month
0.75% per month
0.75% per month
Monthly Interest Payment
4,500
9,000
13,500
18,000
22,500
27,000
31,500
36,000
40,500
45,000
The Pros and Considerations of a Sale with Right of Redemption
Pros (Advantages of the Structure)
Key Considerations & Requirements
Access Liquidity Without Selling: Unlock the cash value of your property while maintaining the right to redeem your asset, without permanently parting with your real estate.
Repayment Responsibility: It is highly advised to only borrow an amount you can comfortably repay, as failure to redeem the property poses a direct risk to your asset.
Rapid Approval & Funding: Experience a streamlined process with loan approvals and fund disbursements typically completed within just 3 to 7 business days.
Higher Government Fees: Registration and transaction fees at the government Land Office for this specific legal contract are generally higher than those for a standard mortgage.
No Financial History Checks: Because the loan is strictly asset-backed, there are no credit bureau checks or complex income verifications required.
Statutory Interest Rates: The maximum legal interest rate applied is up to 1.25% per month (15% per annum), which should be factored into your financial planning.
Flexible Contract Terms: Enjoy adaptable contract periods ranging from 1 up to 10 years, allowing you to tailor the redemption timeline to your financial capacity.
Strict Ownership Rules: Only the individual named on the title deed can initiate the transaction. Furthermore, if the property was acquired during marriage, formal spousal consent is legally mandated.
Higher Loan-to-Value (LTV): Secure a substantially higher funding amount—often 1 to 2 times greater than what is typically offered by traditional bank mortgages.
Risk of Ownership Transfer: If the borrower is unable to redeem the title deed within the agreed contractual period, complete legal ownership of the property will permanently default to the investor, as stipulated by the Sale with Right of Redemption law.
Proactive Redemption Reminders: Receive timely, dedicated notifications before your contract expires, ensuring you are well-prepared to meet your redemption deadline.
-
Advantages
Receive the lump sum you need without selling your property outright.
Fast funding within 3–7 days.
No financial history or credit bureau check.
Contract terms from 1–10 years.
Higher approved funding compared
to a traditional mortgage by 1–2 times.
Reminder notices are provided before the redemption deadline.
Considerations
Only enter into an amount you can realistically redeem.
Fees are generally higher than a standard mortgage.
Interest rates should not exceed 1.25% per month as permitted by law.
Only the title deed owner may enter the agreement. If the property is marital property, spousal consent is required.
If the property is not redeemed within the agreed period, the investor may take ownership according to the sale with right of redemption contract.
Breakdown of Associated Costs & Fees
1. InnoHome Service Fee
A standard processing and advisory fee of 5% is applied to the final approved loan amount for Sale with Right of Redemption and 10% for Private Mortgage. Please note that a minimum fee of 50,000 THB applies to loan amounts under 1,000,000 THB. (Example: For an approved loan of 5,000,000 THB for Sale with Right of Redemption, the service fee will be 250,000 THB.)
2. Loan Interest Rate
The applicable interest rate is assessed based on the property’s specific characteristics, its location, and the final Loan-to-Value (LTV) ratio. (Example: For a 5,000,000 THB loan with an annual interest rate of 15%, the total interest payable per year would be 750,000 THB.)
3. Government Land Office Fees & Taxes
Statutory transaction expenses must be paid directly at the Land Office on the date of contract execution. These may include withholding income tax, stamp duty, transfer fees, and specific business tax (if applicable). Because the exact total is officially assessed by the Land Office on the day of the transaction, InnoHome will provide you with a comprehensive preliminary estimate beforehand to help you prepare.
Free Consultation Before Making a Decision
Contact us for advice.Example Calculation
Example for a borrower with existing mortgage amount 1,000,000 THB
List
จำนวนเงิน
Approved Loan Amount (60%)
5,000,000
Service Fee (5%)
(250,000)
Annual Interest Rate
-
3-Month Advance Interest Deduction
(187,500)
Remaining Amount After Service Fee and Advance Interest
4,562,500
Land Office Costs
(552,165)
Remaining Amount After All Costs
4,010,335
Existing mortgage amount 1,000,000 THBCash Remaining Balance
3,010,335
*If the client does not have an existing mortgage, the actual amount received will be approximately 4,010,334.82 THB after all costs.
Notes*
– Maximum interest rate does not exceed 15% per year.
– Annual contract renewals are available, with a total contract term not exceeding 10 years.
Fast Property Loan Approval within 1-3 Days
Whay Our Clients Say
"InnoHome offered a highly competitive funding amount, and I was thoroughly impressed by their rapid service. Drawing on my 10 years of industry experience, I would confidently rank them as the number one provider."
"I secured the exact funding I needed within just one day, even after other providers were unable to assist. InnoHome’s process is exceptionally transparent, straightforward, and completely trustworthy."
"I initially had no knowledge of Sale with Right of Redemption agreements and was naturally worried about risking my property. The InnoHome team provided exceptional guidance, explained every step transparently, and gave me complete peace of mind."
"A trusted friend recommended InnoHome to me. Their interest rates are highly competitive, and the entire process was seamless. I would confidently recommend them to anyone seeking a reliable Sale with Right of Redemption service."
Frequently Asked Questions
