Final Stretch: Government Extends 0.01% Transfer and Mortgage Fee Reduction, Expanding Ceiling to 7 Million Baht. Second-hand Homes Also Eligible.

06 Jul 2026 by ถนัดเอสเตท |Tanat Estate

If you're eyeing a used home or condo this year... this is a sign from heaven telling you, "Decide now!"

The best news for aspiring homeowners: The Cabinet has approved the extension of real estate stimulus measures, reducing the transfer fee to 0.01% (from the usual 2%) and the mortgage registration fee to just 0.01% (from the usual 1%). This continuous extension aims to ease the burden and make homeownership more accessible for Thai people.

And the most special aspect of this round of measures is that the government has increased the ceiling price for real estate up to 7 million baht! Importantly, "second-hand homes" are also eligible for this benefit!

Let's take a closer look at how much this measure can save you:

Comparison of Costs (based on a 3 million baht home)

Normal Rate: Transfer fee 60,000 baht + Mortgage fee 30,000 baht = Total payable 90,000 baht
Special Government Measure Rate: Transfer fee 300 baht + Mortgage fee 300 baht = Actual payment only 600 baht!
Instant savings of 89,400 baht!

Comparison of Costs (based on a maximum home price of 7 million baht)

Normal Rate: Transfer fee 140,000 baht + Mortgage fee 70,000 baht = Total payable 210,000 baht
Special Government Measure Rate: Transfer fee 700 baht + Mortgage fee 700 baht = Actual payment only 1,400 baht!
Instant savings of 208,600 baht!

The hundreds of thousands saved here can easily be used for home renovations, buying new furniture, or kept as emergency savings for liquidity.

Summary of important conditions you need to know before applying for a loan:

Price and Loan Amount: The buying/selling price, appraisal price, and mortgage loan amount must not exceed 7 million baht.
Property Type: Detached houses, semi-detached houses, townhouses, commercial buildings, and condominiums (both new and second-hand).
Buyer Conditions: Must be a natural person and of Thai nationality only.
Limited Period: Transfer and mortgage registration must be completed within the period specified by the government.

At this moment, whoever is ready first... saves more! Because the process of applying for a bank loan and property appraisal takes time, we recommend not waiting until the last day. If you find a second-hand property in a prime location with a good price that you like, making a decision today is the best opportunity to save money in your life.

Interested in scheduling a home visit or requesting more information? Contact Tanat Estate