CBRE says that the relaxation of the loan-to-value (LTV) ceiling and the extension of government property-fee cuts will be important drivers for Thailand’s housing market in the second half of 2026.
In this market view, the LTV ceiling is temporarily relaxed to 100% for one year, while property-transfer and mortgage-registration fees are reduced to 0.01% through 30 June 2027. CBRE considers the measures applicable to new and secondhand homes priced at up to THB 7 million for Thai nationals, lowering purchase costs, expanding access to credit and improving confidence among buyers and developers.
CBRE: a policy combination that can lower entry barriers
Roongrat Veeraparkkaroon, Managing Director of CBRE Thailand, says the alignment of relaxed credit conditions and targeted policy relief has arrived at an important time for Thailand’s property sector. In her view, lowering entry barriers for homebuyers can improve market liquidity, lift developer sentiment and support broader economic stability into the second half of 2026 and beyond.
Praphinleeya Phuengkhuankhan, Head of Residential Sales and Leasing at CBRE Thailand, adds that the 100% LTV measure can significantly reduce the upfront costs paid on the purchase date. She says first-time buyers, up-sizers and buyers with stable incomes but limited down-payment savings may particularly benefit; the measure can simplify purchase decisions and help release demand that had previously slowed.
Fee cuts and interest-rate trends: CBRE’s view of buyer costs
On costs, CBRE says that reduced transfer and mortgage fees can materially lower overall acquisition costs and ease the financial burden on the transfer date. The company also sees recent downward interest-rate trends as an important influence on buyer decisions because they can lower long-term mortgage repayments.
In its view, the temporary LTV relaxation, fee reductions and more favourable interest-rate trends together reduce costs across the purchase, transfer and subsequent repayment stages, giving qualified buyers with stable incomes more opportunities to access housing.
Lenders will still assess repayment capacity carefully
The company also notes that, despite the expansion of homeownership opportunities, mortgage approval remains contingent on a borrower’s debt-service capacity and creditworthiness. Financial institutions will continue to make prudent risk assessments to protect credit quality and mitigate non-performing loans.
Prospective buyers should therefore prepare their financial information and manage existing debt obligations.
Developers may accelerate the absorption of completed inventory
From a developer perspective, CBRE sees an important opportunity to accelerate absorption of residential inventory, particularly completed, move-in-ready projects. This can lift transfer volumes, generate immediate cash flow and improve liquidity for property operators while the market continues to recover.
It can also help developers manage remaining inventory more efficiently and plan investment in future projects.
CBRE: stable saving and verifiable income can support borrowing prospects
For people planning to buy a home, CBRE recommends financial discipline and consistent saving habits to strengthen financial stability and borrowing potential. The company specifically notes that new entrants to the workforce and freelancers may have more irregular income; a sound savings record, verifiable income and well-managed debt can build lender confidence and improve loan-approval prospects.
For the longer-term market outlook, the company believes purchasing power will gradually recover if the government maintains market stimulus alongside economic stability and appropriate interest-rate levels. It sees real-demand buyers as the main engine of the residential market.
Praphinleeya says this is a favourable time for ready homebuyers, who can benefit from full-value borrowing under the LTV measure, lower transfer-day costs from government incentives and a reduced long-term financial burden from favourable interest-rate trends. She adds that developers can also clear inventory and improve liquidity, ultimately supporting a broader property-market recovery.
Sources and note
This article presents CBRE Thailand’s “100% LTV and Extended Property Fee Cuts Set to Reignite Thailand’s Residential Demand, Says CBRE” (31 August 2026). Its market expectations and recommendations are CBRE’s views.
