The housing market in 2025 continues to offer great opportunities for home seekers due to supportive measures from the government and decreasing interest rates. Several positive factors contribute to creating a golden opportunity for purchasing residential property:

1. Government Support: A Key Driver of the Market

The real estate sector remains a vital economic engine that the government continues to support through various initiatives. These measures help reduce financial burdens, enhance access to home loans, and make home ownership more attainable. Key policies include:

 Reduction in Property Registration Fees

The transfer registration fee for real estate has been reduced to 0.01% (from 2% previously), and the mortgage registration fee — when done in conjunction with the property transfer — has also been reduced to 0.01% (from 1% previously). These rates apply to property with a purchase price and appraised value not exceeding 7 million baht. The measures are effective until June 30, 2026.

· Relaxing of Loan-to-Value (LTV) Regulationselaxing of Loan-to-Value (LTV) Regulations
The Bank of Thailand (BoT) temporarily eased the regulations governing housing and related loans. The maximum loan-to-value ratio has been set at 100% for residential loans, under the following conditions:
(1) For property valued under 10 million baht, starting from the loan agreement for the second property onward.
(2) For properties valued at 10 million baht or more, starting from the loan agreement for the first property.
These conditions apply to loan contracts signed from now until June 30, 2026.

· Low-Interest Housing Loans from Governmental Financial Institutions
Governmental financial institutions including the Government Housing Bank (GHB), Government Savings Bank (GSB), and the National Housing Authority (NHA) introduced home loans with special interest rates or with more relaxing requirements such as longer repayment periods, higher loan limits, or more flexible loan approval criteria — all of them help consumers attain home ownership.

· “Housing for Thais” Program
This program focuses on developing affordable housing in strategic locations near mass transit systems. Participants can lease-to-own property for up to 99 years, with monthly installments starting from around 4,000 baht. The repayment period ranges from 30 to 50 years, and the Government Housing Bank (GHB) also supports the program with a fixed interest rate of 2.5%.

2. Reducing Interest Rates Eases the Burden for Homebuyers

The Monetary Policy Committee (MPC) continued to lower the policy interest rate, bringing it down to 1.75% per annum (as announced on April 30, 2025). This is a positive sign for prospective homebuyers, as a lower policy rate typically leads to a decrease in housing loan interest rates. As a result, monthly mortgage payments become more manageable, improving borrowers’ financial liquidity and allowing them to allocate the savings toward other expenses.

3. Real Estate Developers Roll Out Irresistible Promotions

Property developers are actively competing by offering a wide range of attractive promotions to boost sales. These include special discounts, waived common area fees, free gifts, down payment support programs, and lease-to-own options designed to suit the modern lifestyle. Additionally, many developers are partnering with banks to offer special mortgage loan promotions with lower interest rates. These initiatives make homeownership more affordable and help reduce certain expenses for buyers.

Positive factors in the 2025 real estate market continue to attract home seekers who are financially ready and present a golden opportunity to purchase a home or condominium — whether for personal residence or investment. Thorough preparation remains absolutely essential: proper financial planning, building a strong credit profile, researching housing projects, and carefully evaluating available promotions are all key steps that propel everyone closer to owning their dream home.