Buy Now, Pay Later: 9 Properties in Thailand Offering Installments After Completion 2025
Looking for flexible payment options in Thailand? These 9 projects offer post-completion installment plans, no bank loan needed.
Planning to buy property in Thailand but want to avoid bank loans or strict mortgage conditions? Some developers offer post-completion installment plans that let you move in right away and pay the rest over time. No banks, no complicated paperwork, and no stress.
What Is Post-Completion Developer Financing?
This setup allows buyers to pay part of the price upfront, often 50 percent, and spread the remaining balance over several years after the property is ready. It’s a great option if you:
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Prefer not to apply for a mortgage
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Want to move in while paying gradually
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Need a more flexible financial arrangement
Is It a Good Fit for Foreign Buyers?
Yes, especially if:
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You're not eligible for a Thai bank mortgage
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You want to avoid high-interest bank loans
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You’re purchasing a finished property
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You don’t want to provide detailed financial records
Top 9 Projects in Thailand Offering Installments After Completion
| No. | Project Name | Vendor Financing (Post) | Term (Years) | Interest Rate | PhuketBuyHouse Link |
|---|---|---|---|---|---|
| 1 | Erawana Grand Villas | 50% | 1 / 3 / 5 | ~6.5% | View the project |
| 2 | Garrya Residences | 50% | 1 / 3 / 5 | 3% / 5% / 7% | View the project |
| 3 | Laguna Bayside / Beach Residences | 50% | 1 / 3 / 5 | 3% / 5% / 7% | View the project |
| 4 | The One Nai Harn | 50% | 5 | ~8% | View the project |
| 5 | The City Phuket | 50%* | up to 5 | varies | View the project |
| 6 | Dominion Rawai | 50% | 5 or 10 | 1% / 2.5% | View the project |
| 7 | Essence by Harmony | ~45–50% | ~3 | vendor rate | View the project |
| 8 | Laguna Lakelands | 50% | 1 / 3 / 5 | 3% / 5% / 7% | View the project |
| 9 | Gardens of Eden | 50% | 3 | 7% | View the project |
*Terms may vary depending on the developer. Always confirm details before signing.
Things to Keep in Mind
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Interest rates are generally higher than traditional mortgages, but are offset by the simplicity of the process
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Down payments are typically 45 to 60 percent
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Not all developers offer the same flexibility, so compare options carefully
Conclusion:
Post-completion installment plans are becoming a popular option for foreign buyers who want more control and fewer barriers. With over a dozen projects in Phuket alone offering this kind of financing, it’s easier than ever to buy a finished property without jumping through banking hoops.
Check out the full series on financing property in Thailand here: Can Foreigners Get a Loan in Thailand? 2025 Guide
