FI_CB_094 Real Estate Loan Report

Service Manager Financial Institution Team (66(0)2283-5141, 0-2283-5993)

Frequency

From

( Q1/2013 - Q3/2024 )

Last Updated : 08 Nov 2024 09:01(Unit: Millions of Baht)

		Q3/2024	Q2/2024	Q1/2024	Q4/2023	Q3/2023	Q2/2023
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/	708,318	712,557	697,463	697,500	695,208	698,877
3	For residential real estate	379,402	381,256	370,735	358,869	355,005	354,012
4	- Low-rise	239,562	239,054	230,652	219,287	214,962	214,989
5	- High-rise	139,840	142,202	140,083	139,582	140,043	139,022
6	For commercial real estate	328,916	331,301	326,727	338,631	340,203	344,866
7	- Rental apartment	77,963	80,281	80,313	82,465	83,771	83,186
8	- Office building	118,590	115,486	108,597	110,115	104,334	106,674
9	- Shopping center	90,677	94,882	93,938	99,303	104,956	105,395
10	- Commercial building	11,495	11,921	16,161	17,031	20,929	20,550
11	- Industrial factory/Industrial estate	25,563	24,332	23,049	24,335	21,155	23,941
12	- Others	4,629	4,400	4,669	5,382	5,057	5,119
13	1.2 Outstanding of debt securities issued by property developers	531,668	533,316	539,199	527,335	530,046	520,610
14	1.3 New issuances of equities issued by property developers	5,993	2,122	2,988	3,693	181	1,660
15	2. Mortgage loans
16	2.1 Outstanding of mortgage loans (post-finance loans) 1/	2,738,979	2,733,545	2,724,847	2,731,142	2,729,092	2,711,655
17	- Low-rise	1,864,844	1,858,433	1,847,239	1,845,621	1,837,901	1,822,732
18	- High-rise	624,683	623,695	623,751	628,206	631,228	627,486
19	- Commercial building	157,402	159,306	161,411	163,876	166,264	168,196
20	- Others	92,050	92,110	92,446	93,439	93,698	93,241
21	2.2 Number of new mortgage loan accounts (unit) 2/	26,276	25,756	23,828	25,787	30,771	28,859
22	To purchase new and second-hand residential properties	18,302	18,041	16,195	17,739	21,386	21,244
23	- Low-rise 3/	11,339	11,699	10,661	11,937	14,144	14,450
24	- High-rise	6,963	6,342	5,534	5,802	7,242	6,794
25	Refinance	7,974	7,715	7,633	8,048	9,385	7,615
26	2.3 Amount of new mortgage loans 2/	93,359	92,849	82,612	94,471	106,705	99,738
27	To purchase new and second-hand residential properties	73,219	73,049	64,109	74,451	83,793	81,142
28	- Low-rise 3/	52,589	53,855	47,935	56,176	60,279	59,966
29	- High-rise	20,630	19,194	16,174	18,276	23,514	21,176
30	Refinance	20,140	19,800	18,502	20,020	22,912	18,597
31	2.4 Average LTV ratio of mortgage loans for buying new and second-hand residential properties (excluding top-up loans) 2/
32	Overall	89.64	90.00	89.55	89.65	90.34	90.57
33	- Low-rise 3/	89.35	89.77	89.42	89.59	90.19	90.60
34	- High-rise	90.12	90.42	89.79	89.78	90.64	90.50
35	Classified by price segment
36	less than 10 million baht	90.63	90.90	90.50	90.75	91.17	91.43
37	- Low-rise 3/	90.66	90.93	90.61	90.88	91.26	91.58
38	- High-rise	90.59	90.84	90.28	90.49	91.02	91.12
39	greater than or equal to 10 million baht	76.55	78.12	76.52	76.55	77.82	76.32
40	Refinance	63.09	63.89	63.93	62.17	62.54	61.88
41	2.5 Average LTV ratio of mortgage loans for buying new and second-hand residential properties (including top-up loans) 4/
42	Overall	90.73	91.00	90.42	90.56	91.11	91.10
43	- Low-rise 3/	90.49	90.80	90.41	90.60	91.07	91.24
44	- High-rise	91.12	91.36	90.44	90.47	91.19	90.80
45	Classified by price segment
46	less than 10 million baht	91.79	91.96	91.42	91.72	91.99	91.99
47	- Low-rise 3/	91.91	92.05	91.68	91.98	92.21	92.26
48	- High-rise	91.62	91.81	90.95	91.22	91.58	91.42
49	greater than or equal to 10 million baht	76.66	78.19	76.64	76.66	77.90	76.39
50	Refinance	78.75	78.13	74.83	75.11	75.77	76.17
51	2.6 Number of new mortgage loan accounts with LTV ratio (including top-up loans) greater than 90% 4/	9,485	9,533	8,459	9,168	11,688	11,886

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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