FI_CB_094 Real Estate Loan Report

Service Manager Financial Institution Team

Frequency

From

( Q1/2013 - Q1/2025 )

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

		Q1/2025 p	Q4/2024	Q3/2024	Q2/2024	Q1/2024	Q4/2023
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/	719,467	687,946	708,318	712,557	697,463	697,500
3	For residential real estate	383,418	363,413	379,402	381,256	370,735	358,869
4	- Low-rise	240,288	228,482	239,562	239,054	230,652	219,287
5	- High-rise	143,130	134,930	139,840	142,202	140,083	139,582
6	For commercial real estate	336,050	324,534	328,916	331,301	326,727	338,631
7	- Rental apartment	73,162	73,541	77,963	80,281	80,313	82,465
8	- Office building	130,194	118,670	118,590	115,486	108,597	110,115
9	- Shopping center	85,894	89,354	90,677	94,882	93,938	99,303
10	- Commercial building	11,847	11,522	11,495	11,921	16,161	17,031
11	- Industrial factory/Industrial estate	30,789	26,917	25,563	24,332	23,049	24,335
12	- Others	4,164	4,530	4,629	4,400	4,669	5,382
13	1.2 Outstanding of debt securities issued by property developers	493,580	499,822	531,668	533,316	539,199	527,335
14	1.3 New issuances of equities issued by property developers	n.a.	27,962	5,993	2,122	2,988	3,693
15	2. Mortgage loans
16	2.1 Outstanding of mortgage loans (post-finance loans) 1/	2,716,946	2,728,708	2,738,979	2,733,545	2,724,847	2,731,142
17	- Low-rise	1,853,977	1,857,064	1,864,844	1,858,433	1,847,239	1,845,621
18	- High-rise	619,603	624,682	624,683	623,695	623,751	628,206
19	- Commercial building	152,625	155,137	157,402	159,306	161,411	163,876
20	- Others	90,741	91,825	92,050	92,110	92,446	93,439
21	2.2 Number of new mortgage loan accounts (unit) 2/	19,891	24,592	26,276	25,756	23,828	25,787
22	To purchase new and second-hand residential properties	12,355	17,606	18,302	18,041	16,195	17,739
23	- Low-rise 3/	8,113	11,010	11,339	11,699	10,661	11,937
24	- High-rise	4,242	6,596	6,963	6,342	5,534	5,802
25	Refinance	7,536	6,986	7,974	7,715	7,633	8,048
26	2.3 Amount of new mortgage loans 2/	71,789	92,316	93,359	92,849	82,612	94,471
27	To purchase new and second-hand residential properties	51,437	73,915	73,219	73,049	64,109	74,451
28	- Low-rise 3/	38,585	53,286	52,589	53,855	47,935	56,176
29	- High-rise	12,852	20,629	20,630	19,194	16,174	18,276
30	Refinance	20,351	18,402	20,140	19,800	18,502	20,020
31	2.4 Average LTV ratio of mortgage loans for buying new and second-hand residential properties (excluding top-up loans) 2/
32	Overall	89.87	90.17	89.64	90.00	89.55	89.65
33	- Low-rise 3/	89.36	90.30	89.35	89.77	89.42	89.59
34	- High-rise	90.85	89.96	90.12	90.42	89.79	89.78
35	Classified by price segment
36	less than 10 million baht	91.04	91.29	90.63	90.90	90.50	90.75
37	- Low-rise 3/	90.87	91.76	90.66	90.93	90.61	90.88
38	- High-rise	91.35	90.55	90.59	90.84	90.28	90.49
39	greater than or equal to 10 million baht	75.67	76.42	76.55	78.12	76.52	76.55
40	Refinance	66.19	64.94	63.09	63.89	63.93	62.17
41	2.5 Average LTV ratio of mortgage loans for buying new and second-hand residential properties (including top-up loans) 4/
42	Overall	90.99	91.30	90.73	91.00	90.42	90.56
43	- Low-rise 3/	90.48	91.49	90.49	90.80	90.41	90.60
44	- High-rise	91.94	90.99	91.12	91.36	90.44	90.47
45	Classified by price segment
46	less than 10 million baht	92.24	92.49	91.79	91.96	91.42	91.72
47	- Low-rise 3/	92.11	93.05	91.91	92.05	91.68	91.98
48	- High-rise	92.47	91.62	91.62	91.81	90.95	91.22
49	greater than or equal to 10 million baht	75.83	76.60	76.66	78.19	76.64	76.66
50	Refinance	78.68	79.81	78.75	78.13	74.83	75.11
51	2.6 Number of new mortgage loan accounts with LTV ratio (including top-up loans) greater than 90% 4/	6,625	9,159	9,485	9,533	8,459	9,168

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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