FI_CB_094 Real Estate Loan Report

Service Manager Financial Institution Team

Frequency

From

( Q1/2013 - Q2/2025 )

Last Updated : 08 Aug 2025 09:01(Unit: Millions of Baht)

		Q2/2025	Q1/2025 p	Q4/2024	Q3/2024	Q2/2024	Q1/2024
1	1. Sources of funds for real estate developers
2	1.1 Outstanding of pre-finance loans for real estate sector (classified by type of business) 1/	727,887	719,467	687,946	708,318	712,557	697,463
3	For residential real estate	389,517	383,418	363,413	379,402	381,256	370,735
4	- Low-rise	241,106	240,288	228,482	239,562	239,054	230,652
5	- High-rise	148,411	143,130	134,930	139,840	142,202	140,083
6	For commercial real estate	338,370	336,050	324,534	328,916	331,301	326,727
7	- Rental apartment	72,161	73,162	73,541	77,963	80,281	80,313
8	- Office building	129,672	130,194	118,670	118,590	115,486	108,597
9	- Shopping center	87,683	85,894	89,354	90,677	94,882	93,938
10	- Commercial building	11,403	11,847	11,522	11,495	11,921	16,161
11	- Industrial factory/Industrial estate	33,215	30,789	26,917	25,563	24,332	23,049
12	- Others	4,235	4,164	4,530	4,629	4,400	4,669
13	1.2 Outstanding of debt securities issued by property developers	481,959	493,580	499,822	531,668	533,316	539,199
14	1.3 New issuances of equities issued by property developers	0	n.a.	27,962	5,993	2,122	2,988
15	2. Mortgage loans
16	2.1 Outstanding of mortgage loans (post-finance loans) 1/	2,722,529	2,716,946	2,728,708	2,738,979	2,733,545	2,724,847
17	- Low-rise	1,864,272	1,853,977	1,857,064	1,864,844	1,858,433	1,847,239
18	- High-rise	617,276	619,603	624,682	624,683	623,695	623,751
19	- Commercial building	150,861	152,625	155,137	157,402	159,306	161,411
20	- Others	90,119	90,741	91,825	92,050	92,110	92,446
21	2.2 Number of new mortgage loan accounts (unit) 2/	23,083	19,664	24,592	26,276	25,756	23,828
22	To purchase new and second-hand residential properties	14,835	12,271	17,606	18,302	18,041	16,195
23	- Low-rise 3/	10,178	8,040	11,010	11,339	11,699	10,661
24	- High-rise	4,657	4,231	6,596	6,963	6,342	5,534
25	Refinance	8,248	7,393	6,986	7,974	7,715	7,633
26	2.3 Amount of new mortgage loans 2/	83,218	70,808	92,316	93,359	92,849	82,612
27	To purchase new and second-hand residential properties	61,566	50,907	73,915	73,219	73,049	64,109
28	- Low-rise 3/	48,455	38,115	53,286	52,589	53,855	47,935
29	- High-rise	13,111	12,792	20,629	20,630	19,194	16,174
30	Refinance	21,652	19,900	18,402	20,140	19,800	18,502
31	2.4 Average LTV ratio of mortgage loans for buying new and second-hand residential properties (excluding top-up loans) 2/
32	Overall	92.24	89.87	90.17	89.64	90.00	89.55
33	- Low-rise 3/	91.90	89.36	90.30	89.35	89.77	89.42
34	- High-rise	92.96	90.85	89.96	90.12	90.42	89.79
35	Classified by price segment
36	less than 10 million baht	93.02	91.04	91.29	90.63	90.90	90.50
37	- Low-rise 3/	92.87	90.87	91.76	90.66	90.93	90.61
38	- High-rise	93.33	91.35	90.55	90.59	90.84	90.28
39	greater than or equal to 10 million baht	81.60	75.67	76.42	76.55	78.12	76.52
40	Refinance	64.94	66.19	64.94	63.09	63.89	63.93
41	2.5 Average LTV ratio of mortgage loans for buying new and second-hand residential properties (including top-up loans) 4/
42	Overall	93.26	90.99	91.30	90.73	91.00	90.42
43	- Low-rise 3/	93.00	90.48	91.49	90.49	90.80	90.41
44	- High-rise	93.83	91.94	90.99	91.12	91.36	90.44
45	Classified by price segment
46	less than 10 million baht	94.10	92.24	92.49	91.79	91.96	91.42
47	- Low-rise 3/	94.05	92.11	93.05	91.91	92.05	91.68
48	- High-rise	94.21	92.47	91.62	91.62	91.81	90.95
49	greater than or equal to 10 million baht	81.88	75.83	76.60	76.66	78.19	76.64
50	Refinance	79.82	78.68	79.81	78.75	78.13	74.83
51	2.6 Number of new mortgage loan accounts with LTV ratio (including top-up loans) greater than 90% 4/	9,715	6,625	9,159	9,485	9,533	8,459

Source:
Bank of Thailand
Remark:
1/ The data are shown as oustanding amount of loans provided by all commercial banks.
2/ The data is calculated from the mortgage loans database provided by Thai commercial bank system.
3/ Low-rise properties include: (1) single-detached houses (including Thai style houses); (2) semi-detached houses; (3) townhouses; and (4) commercial buildings.
4/ Top-up loans are loans related to mortgages but provided for any other purposes than house purchasing. Currently, loans for non-life insurance and mortgage reducing term assurances (MRTA), as well as business loans, are not included in top-up loans.
The data is calculated from the mortgage loans database provided by Thai commercial bank system.

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