2 Sept 2026 · 6 min read
Loan turned down? What to do next
The usual reasons, and how to improve your odds next time.
In 2024–2025 a high share of Thai home loans was rejected, especially below ฿3M. The main reasons: credit history, high existing debt and income that can't be documented.
- Pay down cards and personal loans before applying
- Add a co-borrower with stable income
- Prepare 6–12 months of bank statements
- Apply to several banks at once
Use the "borrowing power" calculator to set a realistic budget before paying any deposit.
