Many people think that buying a house requires a salary of tens of thousands, but in reality, a salary of just 18,000 is enough to buy a nice home if you have complete documentation, consult the right officer, and choose a project with special bank loan programs.
Today we will show salaried workers earning 18,000 baht how they can buy a beautiful home in a great location.
First, check your own readiness. In general, banks calculate repayment ability by assuming that we can initially afford installment payments of 40% of our income. In reality it may be more, but starting at 40% ensures our installments won't be too burdensome.
For example, if we earn a salary of 18,000 baht, then 18,000 x 40% = 7,200 baht, meaning the bank will consider us capable of paying approximately 7,200 baht per month for a home. If we roughly calculate how much we can borrow based on this amount, assuming a 30-year loan at approximately 6% interest, we can borrow around 1,200,000 baht
But if you have no debts, such as credit cards or car installments no issues with the credit bureau, have a good work history, and work for a reputable company, your loan limit could be as high as 1,500,000 baht
If we have income in addition to our salary, such as commissions or other earnings, the bank will lend us even more. Another popular method is to find a co-borrower, who must be a family member such as a parent, sibling, relative, or spouse, which makes borrowing easier and simpler than borrowing alone. Up to 3 people can borrow together.
As you can see, with a salary of 18,000 baht plus a little extra income or one co-borrower, you can already buy a home worth around 2 million. But do good 2-million-baht homes in Bangkok even exist? In other eras they might be hard to find, but anyone wanting a home these days is very lucky, because...
“AP Thailand” presents a lineup of 4 projects: the right home at an affordable price under the brand “PLENO”, the best first home in the potential location of the Chaengwattana zone, another premium townhome priced in the early 2-million-baht range, plus a special promotion: installments starting at just 2,500 baht/month*
Pleno Ratchaphruek – Chaengwattana
Pleno Ratchaphruek – Chaengwattana
A ready-to-move-in townhome near major roads allowing connections via multiple routes, whether Chaengwattana or Muang Thong Thani, taking only 10 minutes. Fully equipped with the new KATSAN system function With a total of 301 units, which is just right—not too many, ensuring privacy.
Location
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For the Facility, a luxurious resort-style clubhouse is placed at the center of the project, complete with a swimming pool, fitness center, children’s playground, and even a pet walking area. In addition, landscaped gardens are scattered throughout the project for the convenience of residents to use comprehensively.
The house design of this project is a 2-story townhome with 3 bedrooms, 2 bathrooms, and 2 parking spaces, with a frontage width of up to 5.5 meters. Its highlight is its flexibility—it can be adapted according to the residents’ preferences, whether as a small bedroom or a home office. Additionally, foundation piles have already been installed at the back of the house to support future extensions.
A project offering privacy so residents can have their own space starting at just 1.99 million baht* with attractive promotions up to 1,000,000 baht discount*, free transfer fee*, free electrical appliances*. Click to register https://bit.ly/3f55ghU
Pleno Chaiyaphruek
Pleno Chaiyaphruek
Designed to accommodate everyone in the family, only 400 meters from Chaiyaphruek Road for convenient travel. Just 10 minutes from the expressway and Purple Line electric train* Abundant dining options near the project without having to travel far. A total of 406 units
Location
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Includes over 3 rai* of common areas and a luxurious clubhouse featuring a swimming pool, fitness center, and both indoor and outdoor playgrounds, as well as a large green space where adults can exercise and children can play joyfully – which can be considered one of the project's highlights.
The houses are 2-storey townhomes with 3 bedrooms, 2 bathrooms, 2 parking spaces, and a frontage width of 5.5 meters for convenient parking and entry into the home. Functions cover all usage needs, the Master Bedroom includes a built-in Walk-in Closet, and the materials meet quality standards.
Perfect for families seeking a truly relaxing atmosphere Starting price 2.39 million baht* Reduced by 500,000 THB* Free transfer* Free air conditioning* Free common area fees for 1 year* Click to register https://bit.ly/36XGb59
Pleno Chaiyapruek-Chaengwattana 2
Pleno Chaiyapruek-Chaengwattana 2
Makes every journey easy Located near major roads connecting to Kanchanaphisek Road Ratchaphruek Road, Road 345 and Chaengwattana Road Also just 10 minutes from the electric train* In addition, there are other surrounding conveniences all around With only 270 units in total the limited number of units adds a great sense of privacy for each family
Location
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As for the Facility, it remains fully equipped, true to the “PLENO” brand, with a grand clubhouse that is truly functional There is a large swimming pool, fitness center, and a spacious public park where family members can enjoy outdoor activities together outside their homes
It is a townhome 2 storeys, 3 bedrooms, 2 bathrooms, 2 parking spaces, with a frontage of 5.5 meters, designed to be adaptable to any lifestyle and allows you to make full use of every square meter, without overlooking the openness and ventilation of the home, so residents never feel cramped.
Experience an atmosphere of happiness and a perfectly balanced life here Starting price 2.09 million Baht* Book now for an 800,000 Baht discount* Free transfer* Free air conditioning* Free common area fees for 1 year* Click to register https://bit.ly/36H3q33
Pleno Tiwanon
Pleno Tiwanon
The best potential location on Tiwanon Road Entrance directly on the main road, a 5-minute walk to The Nine Center and close to the Red Line electric train (future project) with complete amenities for every need, featuring 2-storey townhomes and 2-storey semi-detached houses totaling 498 units
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Map
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Stand out with common areas designed as a clubhouse that blends beautifully with nature featuring a large swimming pool, a Panorama-view fitness center, a children's playground, and a Multisport Court zone that can be converted for various sports such as basketball, badminton, or futsal, all surrounded by public parks
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Townhome 2 storeys, 3 bedrooms, 2 bathrooms, 2 parking spaces, with a frontage width of 5.5 meters making parking convenient and comfortable. Additionally, the second floor features the special ability to easily convert 2 small bedrooms into one large combined room, perfect for new-generation couples who may live together as just two people or have only 1 child
Fully equipped with common areas supporting every activity for all family members, covering every generation Starting price 2.49 million baht* Register to receive an additional 20,000 baht* Click to register https://bit.ly/35B0UMj
All 4 projects have their own unique characteristics and different appeal, to answer the needs of each person's lifestyle. Whether living as a couple of just two or as a family, it's possible. You can visit every project in person to choose the right home at a price you can be confident is affordable
Guaranteed to be worth it, as these are 2-million-baht homes that offer excellent pricing in this location, which when compared to condos costs nearly 2 million baht already. Moreover, buying a house has the advantage of larger and more complete functions, highly suitable for people with a salary of 18,000 baht
After that, it's time to prepare the various documents to apply for a bank loan, in which case if you are a government official or company employee, the documents won't be as numerous and complicated as for freelancers or business owners The main essential ones are pay slips, salary certificates, 6-month bank statements, and various tax payment documents
The rest are things like ID cards and loan-related documents Plus additional supporting items such as a savings account with no withdrawals, or other personal assets of value. The more of these you have, the easier it will be to get the loan approved However, the key point is that all documents must be complete, as this will make the results come much faster
Let me whisper a little more that for anyone already planning to buy a house, I recommend trying to make it happen this year if possible, because the home loan interest rate in 2020 is a period when interest rates have dropped considerably, at around 2-3% per year* which makes it easy for someone earning a salary of 18,000 baht to buy a house
Applying for a home loan is not as difficult as you think, especially if it is a Pleno project, which receives special promotions from the bank, and bank officers can also help provide advice and find ways to help us get approved for a loan. For anyone looking for a home of their own, come take a look first — I can assure you that getting a home of your own is not difficult at all.
