Property loan in Thailand — mortgage and sale with right of redemption

Mortgage · Sale with Right of Redemption, property nationwide

Turn the title deed you already own
intoworking capital without selling the property

Capital from the property you already own, using the title deed as security. The contract is registered at the Land Office in front of an officer.

  • We start by looking at the title deed and the property itself not at your payslip (We do not pull a credit bureau report — but that does not mean every case is approved.)
  • Know your real loan amount in 1-3 days · Finish at the Land Office in 3-7 days (An average we actually achieve. It depends on how complete your documents are and on the Land Office queue. It is not a guaranteed timeline.)
  • Interest from 0.75% per month · Up to 70% of market value for property in Bangkok, the surrounding provinces and major cities (This is the minimum rate and the ceiling amount, not what every case receives · Rates as of 26 Sep 2026)
Your property is aDetached house with land
See your loan amount →
Free valuation, no cost, no obligation · We reply within 1 hour during business hours
The InnoHome team holding a title deed, with proof of the transfer to the customer
Sample quotation

Detached house with land · Bangkok and surrounding provinces

฿2,800,000
Appraised property value฿4,000,000
Monthly redemption payment (0.75%)฿21,000
Actually received on transfer day฿2,510,200
An example at the starting rate of 0.75% per month, which is the minimum rate and not what every case receives · This is not a real offer · The real figures depend on the appraised value and the conditions of each property.
⚠️
Read this before you decide

A sale with right of redemption is areal transfer of ownershipat the Land Office. If you do not redeem within the term, the rights in the title deed belong to the buyer by law — If you start to fall behind, tell us before the deadline. There is always a way out. — read the plan below

Why us

4 things we do differently

Every point comes with its conditions, because we want you to be able to compare us with others for real, not to believe us just because we say so.

Year 2

Renew between yourselves and we do not charge again

Pay on time, be a good borrower, and the following yearyou can renew directly with the buyer We do not charge the processing fee and loan arrangement fee (InnoHome’s broker fees) a second time — they are charged once, when we first arrange the funding.

In a year you renew between yourselves, InnoHome no longer looks after that contract · Land Office registration fees are still payable as usual.
Loan amount

Up to 70% of market value

We appraise the value ourselves fromasking prices and prices that actually closed in the area not only the government appraisal, so the amount can reach the ceiling when the property is easy to resell

The 70% ceiling applies to property inBangkok, the surrounding provinces and major citiesthat resell easily · Other provinces or specialised property will be lower · You will know the real figure after the valuation.
Transparent

See the numbers and the draft contract before you decide

A summary of every costis sent to you before the transfer appointment, and thedraft contract is sent for you to read before signing day No items appear out of nowhere at the Land Office desk

If you give us complete property information from the start, the figures in the quotation and what you actually pay will differ by no more than 10% · Missing information may mean a new valuation.
During the contract

We help you keep the property. We are not waiting to take it.

Of the contracts we have done, the cases that had to go tolitigation are under 2% because a team follows the instalments and reminds you before each due date. Whenever you cannot carry on, we have options for you to choose from.beforethe deadline

Counted from mortgage and sale-with-right-of-redemption contracts already registered in our system, outright sales not included · See the plan for when you cannot carry on ↓ · We do not guarantee that a property will never be lost, because it also depends on the owner getting back to us.
Before you decide

If the property is lost what happens

What happens when you default is not the same for both contracts. Please read this carefully before you sign.

Sale with right of redemption — if you do not redeem within the agreed period you do not get the property back, because ownership passed to the buyer on the day it was registered at the Land Office. From that point the rights belong to the buyer, and that is outside InnoHome’s decision.

Mortgage — the title stays in your name. But if you default on what the contract requires, the lender has the right to enforce the mortgage: a written notice giving you time to pay first, as the law requires, and then a case in court to have the property sold at public auction. While the case is still open, interest keeps running every month, so the amount owed keeps rising. In practice we begin the process once payments are two consecutive months behind. This is why we keep asking you to tell us before the due date instead of waiting until you are behind.

If you cannot redeem in time, tell us straight before the deadline and we will look for a way out, as set out below. But if the owner does not cooperate, the matter follows the rights of whichever contract you signed, as described above, and that is outside InnoHome’s decision.

The thing people worry about most

Nobody wants the property to be lost — the buyer does not want to take it either

The person who put the money in wants the return agreed in the contract and the principal back. They do not want your house, because taking the property means having to sell it themselves, which takes months, costs money, and may not fetch what it was valued at. (This section describes a sale with right of redemption. With a mortgage, ownership stays in your name and the lender has to go to court before anything can be transferred.) A lost property is a bad outcome for both sides It is nobody’s profit

If you can see that you will not be able to carry on, do this

Do it the moment you realise

Tell us first, do not go quiet

Do not wait for the due date. Do not wait until you genuinely cannot pay — the sooner you tell us, the more options there are Message us on LINE or call. You do not need to prepare any documents. We only ask what happened and how much you can manage.

Option 1

Extend the contract

If you can still pay the instalments but are not ready to redeem the lump sum, extend the contract for another term. It has to be registered at the Land Office again (Land Department fees apply). Depends on whether the buyer agrees

Renew between yourselves and InnoHome does not charge a second fee If you and the buyer agree to renew between yourselves the following year, we do not charge the processing fee and loan arrangement fee (InnoHome’s broker fees) again — these two fees are charged once only, when we first arrange the funding. In exchange for what: In the year you renew between yourselves, InnoHome no longer looks after that contract — we do not follow the instalments, we are not the go-between when there is a problem, and your contract portal stops updating. If you want us to keep looking after it, tell us before the renewal date.
Option 2

Find new funding to close the old contract

If the existing terms are too heavy, we look for a new investor on terms you can manage to close the existing contract. Not every case can be placed It depends on the value of the property at that time and the outstanding balance

Option 3

Sell the property yourself before the contract ends

We help with the marketing and finding a buyer, using the same team and channels we use to sell property normally Selling before the deadline gets a better price than letting it go because once it is sold the contract is closed and the remainder is yours. If you let it lapse, ownership has already passed to the buyer and you will not get that difference.

What we cannot promise — said plainly

  • We do not hold the rights under the contract The buyer holds the legal rights. Extending or granting leniency needs their agreement. InnoHome cannot do it on their behalf
  • We do not guarantee that new funding or a sale can be arranged in time It depends on the property, the market at that time, and the time left
  • If the term ends, the property is not redeemed and there is no contact back ownership belongs to the buyer by law and they have the right to act on it — that part is outside InnoHome’s control.

The only thing that makes every option disappear is silence If you get back to us, we can still find a way out together.

Before you send the title deed

We tell you plainlywhich cases we can do and which we cannot

so neither side wastes time — the cases we do not take, we say so on day one. We do not leave them hanging.

We can do

  • Title deed (Nor Sor 4) · Condominium unit (Or Chor 2)
  • Property in every province nationwide
  • Your name is on the title, or the owner agrees to co-sign
  • An existing mortgage on it — considered case by case We check whether the existing mortgage can be closed at the same time
  • Nor Sor 3 Kor — considered case by case

What makes a case fail

  • Title documents that cannot be transferred, such as Sor Por Kor 4-01
  • Property with an encumbrance that cannot be released · under legal execution
  • Incomplete documents, or a co-owner who does not consent
  • No plan to redeem — if it is clear that redemption will not be possible, we do not take it, because it ends with the property lost for both sides
  • Paddy land · landlocked plots · plots that are more than half pond — hard to resell, so we cannot put a loan amount on them

Not sure which category you are in — send it to us to look at first, free

The valuation really is free. No cost, no deposit, and no obligation to proceed with us. — Send a photo of the title deed on LINE and we will look at it, thengive you a straight answer within 1-3 days on whether it can be done or not. If it cannot, we say so on day one with the reason. We do not leave it hanging and waste your time.
If it can be done, you geta valuation that lays out the numbers for all 3 routes (mortgage · sale with right of redemption · outright sale) You see the loan amount, the monthly figure and the money that actually reaches you, before you decide — This is where we differ from others: free valuation, all the numbers, nothing hidden

Send your title deed for a free valuation →
Where it is done

The contract is made at theLand Office in front of an officer, every time

No signing between ourselves at an office or a coffee shop — the team goes with you to the Land Office of the province where the property is, every time. A Land Office officer registers it. The photos below are from real transfer days in several provinces.

The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office The InnoHome team at the Land Office
Photos from the team’s real work · Customers’ faces are covered for privacy as agreed when the photos were taken
See it from the real thing

Clips fromour real cases

The same clips that are on InnoHome’s YouTube channel — not re-cut for this page

The figures mentioned in the clips belong to those cases. They are not the amount or the rate every case receives · The real amount and rate differ with the property, the location and the documents. · The clips are published on the company channel with the consent of the people who appear in them.
You have seen that we really do it at the Land Office — want to know what your property can raise Send a photo of the title deed and know the amount in 1-3 days · Free valuation, no cost, no obligation
Ask for a free valuation →
The numbers laid out

Total cost per year Every baht you have to pay in one table

The costs on transfer day must match this table. Nothing appears afterwards — if it differs from this, that is our fault.

Example: a 2.8 million loan — what is deducted and what reaches you

Every deduction is in the quotation before you sign. You do not have to take extra money out of your pocket on transfer day.

Approved amount (70% of the 4 million appraised value)฿2,800,000
3 months of redemption payments in advance(฿63,000)
Processing fee(฿70,000)
Loan arrangement fee(฿70,000)
Land Office transfer fee(฿86,800)
What actually reaches you on transfer day฿2,510,200

This example is calculated at the starting rate of 0.75% per month, which is the minimum rate and not what every case receives · This is not a real offer · The real figures depend on the appraised value and the conditions of each property.

ItemExample, 2.8 millionHow it is calculated
12 redemption payments฿252,0000.75%/month × 12
Processing fee฿70,000Deducted from the amount on transfer day
Loan arrangement fee฿70,000Deducted from the amount on transfer day
Land Office transfer fee฿86,800At the Land Department rate
The following year, if you renew between yourselves, there is no processing fee or loan arrangement fee again These two fees are InnoHome’s broker fees, separate from the return paid to the investor, and are charged once, when we first arrange the funding — so if the following year you and the buyer agree to renew between yourselves, the cost is only the redemption payments (≈9% of the amount at the 0.75% rate) plus the Land Department registration fee In exchange for what: In the year you renew between yourselves, InnoHome no longer looks after that contract (no instalment follow-up, no go-between, the portal stops updating) — if you want us to keep looking after it, tell us before the renewal date.

An example calculation, not an offer · Fees and rates differ with the property and the amount. The real quotation shows every amount in full before signing.

The valuation you will receive

Work with us and get the numbersfor all 3 routes so you decide once and are done

The same property can be done in several ways, and they do not raise the same money — we send you the valuation for all of sale with right of redemption · mortgage · outright sale at the same time, so you can compare for yourself which is better value. Not one route offered with the claim that it is all that can be done.

Sale with right of redemption
Approved amount฿2,800,000
Processing fee(฿70,000)
Loan arrangement fee(฿70,000)
3 months of interest charged in advance(฿63,000)
Amount after the arrangement fee and interestTransfer costs not yet deducted฿2,597,000
Transfer costsApproximate amount transferred(฿86,800)
1 year fire insurance premium—
Existing principal / mortgage—
You will be left withApproximate remaining amount฿2,510,200
After that, interest is paid monthly of฿21,000
and the principal ofis paid on redemption฿2,800,000
Figures in red brackets = items deducted · blue = money you actually receive · green = the monthly payment cycle
Mortgage
Approved amount฿1,600,000
Processing fee(฿64,000)
Loan arrangement fee(฿64,000)
3 months of interest charged in advance(฿36,000)
Amount after the arrangement fee and interestTransfer costs not yet deducted฿1,436,000
Transfer costsMortgage registration fee, 1% of the amount(฿16,000)
1 year fire insurance premium—
Existing principal / mortgage—
You will be left withApproximate remaining amount฿1,420,000
After that, interest is paid monthly of฿12,000
and the principal ofis paid on redemption฿1,600,000
Figures in red brackets = items deducted · blue = money you actually receive · green = the monthly payment cycle
Outright sale
Asking price฿4,300,000
Price agreed at signingLowest negotiable price฿4,000,000
Who pays the costs on transfer dayHalf each
Agency commission5% of the price achieved, or a minimum of ฿50,000(฿200,000)
Transfer fee (approximate)Half of ฿86,800(฿43,400)
You will be left withApproximate remaining amount฿3,756,600
Figures in red brackets = items deducted · blue = money you actually receive · green = the monthly payment cycle

An example for a property appraised at ฿4,000,000 at the starting rate of 0.75% per month — A sale with right of redemption raises more because ownership is transferred · a mortgage raises less but ownership stays with you · an outright sale raises the largest lump sum but you do not get the property back
The processing fee and loan arrangement fee are charged by InnoHome as the broker, separate from the return paid to the investor — they are not the agency commission charged on an outright sale · The real sheet prints the property name, the title deed number and the figures of your own case, and is sent before every transfer appointment · This is not a real offer. The figures depend on the appraised value and the conditions of each property.

Want a valuation like this for your own property Just tell us the property type and the location. We send the numbers for all 3 routes to compare — you do not have to decide today.
Ask for a free valuation →
Our system

After signing, you can stillopen your own contract at any time

Every contract has its own page, opened through LINE. No password to remember, no phone call to ask how many instalments you have paid.

  • How much the next instalment is and on what date and how many days are left
  • How many instalments you have paid out of how many in total
  • The redemption price under the contract with an explanation of why it does not fall as instalments are paid
  • Advance remindersas a due date approaches, before it turns into a problem
Contract documents in one place in development
The contract registered at the Land Office, receipts and related documents will be downloadable here, with no hunting through old chats.
A real screen from the system · the data in the image is sample data
Steps

From sending a photo of the title deed to receiving the money

Send a photo of the title deed
1

Send a photo of the title deed

by chat. No forms to fill in first · We reply within 1 hour during business hours

Free, no cost
The valuation team
2

The valuation team

Our own team does the valuation, compares real market prices, then tells you an amount you can actually redeem, not the maximum amount

Free, no valuation fee
See 3 quotations
3

See 3 quotations

Mortgage · sale with right of redemption · outright sale, compared side by side with the total cost, then you choose

Free, no obligation
Transfer at the Land Office
4

Transfer at the Land Office

Book the transfer day, do it in front of an officer, receive the money the same day, with costs matching the table quoted

Deducted from the amount on transfer day
See your own contract at any time
5

See your own contract at any time

After signing, open the portal through LINE to see the next instalment, the redemption price and the instalments already paid

Free, for the life of the contract
The InnoHome team holding a title deed

From day one until the day before transfer we do not take a single baht from you

No deposit · no valuation fee · no file-opening fee — InnoHome charges two items, the processing fee and the loan arrangement fee, which arededucted from the amount on transfer day at the Land Office You do not have to take extra money out of your pocket, and you see both figures in the quotation before signing.
Both are charged by InnoHome as the broker, separate from the return paid to the investor.
If the deal does not go through, nobody charges you anything — if you get the valuation and do not proceed, it ends there, with no penalty

⚠️ If anyone asks you for money before transfer day at the Land Office, be suspicious — whether it is called a deposit, a file-opening fee or any other fee, message us and ask before you transfer money to anyone.

Frequently asked questions

What customersalways ask before deciding

After a sale with right of redemption, can I stay in the house
You can stay, and you do not pay rent to the buyer — even though ownership passes to the buyer during the contract, the Act on Protection of People in Sale with Right of Redemption of Land for Agriculture or Residence B.E. 2562 (2019) gives you the right to keep possessing and using the property to live in or to farm until your right to redeem ends, without paying the buyer any compensation for it
It is a right under the Act, not a kindness from the buyer so you do not have to wait for anyone to add it to the contract
⚠️ If anyone charges you rent or any other payment during the contract, the law treatsthat money as part of the redemption price already paid — keep proof of every payment
Applies only when the seller is a natural person and the property is a residence or agricultural land · Commercial property, or a seller that is a company, is not covered by this Act
I am blacklisted, or I have no payslip. Can it still be done
Yes — we start by looking at the title deed and the property, not at your credit history or regular income What we look at is whether the property can be resold if it comes to that, and what your plan to redeem is
The property is in another province. Can it be done
It can be done in every province nationwide, butthe amount is not the same — the 70% of market value ceiling applies to property in Bangkok, the surrounding provinces and major cities that resell easily. In other provinces the amount will be lower. You know the real figure after the valuation, which is free and carries no obligation.
What is the difference between a sale with right of redemption and a mortgage, and which should I choose
Mortgage — ownership stays in your name, only an encumbrance is registered on the title. The amount is usually lower
Sale with right of redemption — ownership is genuinely transferred to the buyer at the Land Office, and you have the right to redeem within the term. The amount is higher because the investor carries less risk
You do not have to choose today — we send you the valuation for both (plus outright sale) and you compare for yourself
What documents are needed
At the first stageonly a photo of the title deed is enough for us to give a rough valuation. The originals are used at the transfer appointment at the Land Office, and the team sends you the full list before the appointment day. No documents appear on the day.
Why does it have to be done at the Land Office. Can it not be done at the office
A sale with right of redemption and a mortgage of land must be registered in front of an officer at the Land Office and nowhere else to have legal effect. If anyone invites you to sign at a coffee shop or at home and says it works just the same, be careful — we photograph every one of our cases in front of the Land Office.
What happens if the term ends and I still do not have the money to redeem
Tell us before the deadline There is always a way out — extend the contract · find new funding to close it · or let us help sell the property before the deadline (sell it yourself and the difference comes back to you, let it lapse and it does not). The only thing that makes every option disappear is silence. See all 4 steps of the plan
Can I redeem before the term ends. Is there a penalty
You can redeem early at any time, and there is no separate penalty but there are 2 things to know
1. The amountdeducted in advance at transfer (3 months in the example on this page) is not refunded It counts as the minimum of the contract
2. If you redeem after the period deducted in advance has passed, there isa loss-of-opportunity chargefor the buyer — the Act covers the deal only when the seller is a natural person and the property is a residence or agricultural land, and it Act on Protection of People in Sale with Right of Redemption of Land for Agriculture or Residence B.E. 2562 (2019) which iscaps it at no more than 2% per year of the sale price, counted over the remaining time — more than that cannot be charged by law
The team calculates the real figure for you before every redemption appointment, so there is nothing to find out at the Land Office counter.
Do I pay InnoHome’s fees again the following year
If you and the buyer agree torenew between yourselves, we do not charge the processing fee and loan arrangement fee (InnoHome’s broker fees) again It is charged once, when we first arrange the funding — in exchange, for that year InnoHome no longer looks after the contract. If you want us to keep looking after it, tell us before the renewal date.
Free valuation

Send us your property details and we tell you plainly whether it can be done or not

No documents to prepare first. Just your name and phone number, and roughly how much you want to raise The cases we cannot do, we say so on day one. We do not leave them hanging

  • Know your real loan amount in 1-3 days Our own valuation team does the work and compares real market prices
  • The quotation lays out every baht Interest, InnoHome’s fees, transfer costs and the amount you actually receive on transfer day, all on one sheet
  • You can talk to us first, at no cost No need to send the title deed yet, no need to decide anything yet

Ask for a free valuation

We reply within 1 hour during business hours · No cost
Please enter your name
Please enter a 9-10 digit number
The amount you actually receive after advance interest, Land Department transfer costs and the arrangement fee — a rough figure is fine, it does not have to be exact
Please give us a rough amount
These 2 fields are optional — filling them in lets the valuation team work faster · If your area is not listed, you can type it in

By submitting, you consent to InnoHome contacting you and keeping this information under the privacy policy

or
Send a photo of the title deed on LINE
We do not pass your information to third parties · You can opt out at any time
One call for the valuation. If it is not a good time to talk further, we do not call again

Send a photo of the title deed and we tell you plainly whether it can be done

Free valuation, no cost, no obligation

Chat with the team on LINE Fill in the 1-minute form
Send the title deed on LINE Call 02-096-4977
Chat on LINE Call 02-096-4977