Can’t Get a Bank Loan in Thailand? Here Are Alternative Financing Options
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Struggling to get a mortgage in Thailand? Discover how MBK Guarantee and other alternative lenders help foreigners finance property without local income or residency.
When traditional routes don’t work: no local job, no spouse, no residency, foreign buyers still have smart options:
1. MBK Guarantee – The Foreigner’s Friend
MBK Guarantee offers property-backed loans for foreigners with minimal requirements, no work permit, and no Thai income needed.
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Loan-to-value: up to 50% of property value
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Currency: Thai Baht
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Term: up to 10 years
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Eligibility: any nationality, up to age 70, no local income or residency needed
Check eligibility and details ⇒ MBK Guarantee — Official Condo Loan Info
2. Private Loans & Creative Structures
Some law firms or private lenders offer tailored loans using Thai property as collateral. Be prepared for:
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Higher interest and fees
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Lower LTV ratios
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Shorter terms
Plus, legal tricks like renting through a Thai company or spouse can work, but consult a lawyer!
3. Offshore Financing (From Home Assets)
If you own assets overseas, consider:
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Home equity loans in your home country
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Private banking in hubs like Singapore or Hong Kong
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Crypto-backed loans (advanced, volatile)
These options can free up capital without local Thai restrictions—but watch out for transfer regulations and FX risk.
Alternative financing in Thailand isn’t a replacement for all cases—but it’s often the lifeline foreign buyers need. Always talk to a property lawyer before signing with non-bank lenders.
Check out the full series on financing property in Thailand here: Can Foreigners Get a Loan in Thailand? 2025 Guide
That wraps up our series! Next step: find the right property to match your budget and strategy. Need help? Let’s talk.