3 Oct 2026 · 5 min read
How much cash do you need on transfer day?
Transfer fee, mortgage registration, advance common fees and the sinking fund — all in one place.
Besides the down payment, buyers need a second pot for transfer day. The figures below are typical Thai rates as of October 2026.
The main costs
- Transfer fee: 2% of the appraised value, often split 50/50 with the seller
- Mortgage registration: 1% of the loan, if you borrow
- Condos: common fees in advance (often a year) and a one-off sinking fund
Homes up to ฿7M bought by Thai individuals: transfer and mortgage registration fees cut to 0.01% until 30 Jun 2027 (check the latest measure with the Land Department).
Try it with a real price
Open the calculators, enter the price and loan, and the reduced rate is applied automatically when it qualifies.
