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Bridge the Gap to Homeownership with Gap Loans in Thailand
Almost there but need a little more? Secure your property with 70% down and finance the remaining 30% over 2 years at just 4% interest.
Why Gap Loans?
You've saved diligently and you're almost ready to buy your dream property in Thailand - but you're just short of the full amount. Traditional banks won't help with small financing gaps, leaving qualified buyers stuck despite having most of the purchase price ready. Gap Loans solve this by financing only what you need, helping you close quickly and own your property without waiting years to save the rest. Currently available for properties in Bangkok, Phuket, Koh Samui, Pattaya, Hua Hin and Chiang Mai.
Small Gaps Block Big Purchases
Buyers with 60-80% of the purchase price saved often can't close deals because banks won't finance small amounts or have strict requirements.
Time is Money
Waiting months or years to save the final 20-30% means missing out on your ideal property and watching prices rise while your savings grow slowly.
How Gap Loans Solve Your Final Hurdle
Gap Loans bridge the final stretch between what you have and what you need. If you have 70% ready, the seller finances the remaining 30% with a short 2-year term at competitive 4% interest, allowing you to close quickly and start building equity immediately.
1
Seller Opts In
Sellers can opt-in when listing a new property on FazWaz, or update an existing listing to enable the Gap Loan option. Gap Loans are currently available for properties in Bangkok, Phuket, Koh Samui, Pattaya, Hua Hin and Chiang Mai.
2
Buyer Finds a Home
Buyers with substantial savings (70%+) browse Gap Loan-eligible listings and find their future home without waiting to save the final amount.
3
Agree on Terms
Buyer and seller agree on a price, with 70% down payment and 2-year gap financing at 4% interest by default. Different terms can be arranged if both parties agree.
4
Monthly Payments
The buyer makes monthly installment payments on the 30% gap amount, including principal and 4% annual interest, for 24 months.
5
Ownership Transfer
When the contract is fulfilled, or the buyer decides to pay off early, the property title is transferred, and FazWaz helps coordinate and support both parties throughout the closing process.
Close Faster, Start Sooner
For buyers who are almost there and sellers who want serious, well-capitalized buyers, Gap Loans make the final stretch simple.
For Buyers
Close quickly with most funds ready
Close your purchase with 70% down payment
Finance only the gap you need (typically 30%)
Short 2-year repayment period
Competitive 4% interest rate
Pay off early without penalties
For Sellers
Close deals with serious, well-capitalized buyers
Receive 70% upfront - the majority of your sale price
Earn 4% interest on the gap amount
Attract qualified buyers who are almost ready
Short 2-year timeline to full payment
Keep ownership until fully paid for security
For Developers
Attract serious buyers with high down payments
Receive 70% upfront on each unit
Earn 4% returns on gap financing
Quick 2-year turnaround to full payment
Maintain ownership until fully paid
FazWaz handles contracts & payment tracking
Confidence and Support at Every Step
Gap Loans with FazWaz are designed to keep both buyers and sellers secure from start to finish. Sellers receive the majority of funds upfront and maintain ownership until fully paid, while buyers finance only what they need with transparent terms. FazWaz provides clear contracts, tracked payments, and full guidance throughout the entire journey.
- Standardized contracts protect both buyers and sellers
- Monthly installment payments are fully tracked and transparent
- Ownership stays with the seller until the buyer is fully paid up
- FazWaz is always available to coordinate and assist if issues arise
- Clear procedures for early payoff or missed payments
FAQ – Common Questions About Gap Loans
How much do I need as a down payment?
A 70% down payment is required, with the remaining 30% financed through Gap Loan.
What are the financing terms?
The standard plan is 2 years at 4% annual interest, but terms can be adjusted if both parties agree.
Can I pay off early without penalties?
Yes. You can pay the remaining balance anytime without extra fees, and the title will be transferred to your name.
What happens if I miss a payment?
You'll receive reminders and a grace period to catch up. If payments cannot be resumed, the seller keeps your deposit and all payments made.
Why choose a Gap Loan over saving the full amount?
A Gap Loan lets you secure your property now instead of waiting months or years to save the final 30%, preventing you from missing out on your ideal home while prices potentially rise.
Are my payments tracked and transparent?
Yes. Every monthly payment is tracked and clearly split into principal and interest portions.
Which properties are eligible?
Currently, selected condos, apartments, and penthouses on FazWaz are eligible, with a focus on Phuket and Bangkok properties (more regions coming soon).
Do I keep ownership until fully paid?
Yes. You maintain full ownership and control until the buyer completes all payments or purchases early.
What returns do I earn?
You receive 70% upfront plus 4% annual interest on the gap amount (30% of sale price), with full payment guaranteed in just 2 years.
What happens if the buyer stops paying?
You keep the property, the upfront 70% deposit, and all payments made. FazWaz can help with reminders, notices, and documentation if needed.
How do I receive payments?
Monthly payments (principal + 4% interest) are sent directly to you and fully tracked by FazWaz.
What documents do I need to participate?
Copy of your ID/passport, updated title deed (front & back), full property address, and a signed Letter of Acknowledgment confirming you understand the program terms.
Are there any upfront fees?
No. Platform and agent fees are deducted from the buyer's deposit or payments.
How do Gap Loans help developers with cash flow?
You receive 70% upfront per unit plus monthly income at 4% returns, with full payment in just 2 years - perfect for moving inventory quickly.
Do we lose ownership during financing?
No. You keep full ownership until buyers complete their payments.
What happens if a buyer defaults?
You keep the 70% deposit and all payments made. FazWaz can help with reminders, coordination, and documentation if eviction is required.
What are the costs?
No upfront costs. Fees are deducted from buyer deposits or payments.
How are Gap Loans different from other financing options?
Gap Loans are for buyers who already have most of the funds (70%+) and need short-term financing for the final amount. It features higher down payment, shorter term (2 years), and slightly higher interest (4%) compared to Seller Financing (30% down, 5 years, 5% interest).
Who handles the contracts and legal process?
FazWaz prepares standardized contracts, tracks all payments, and coordinates the title transfer process.
Where is this available?
Currently in Phuket and Bangkok for condos, apartments, and penthouses. More regions (Hua Hin, Pattaya, Koh Samui, Chiang Mai) to follow.
Ready to Get Started with Gap Loans?
Share your details, and we’ll guide you through your next steps.
Available for select properties in Bangkok, Phuket, Koh Samui, Pattaya, Hua Hin and Chiang Mai. Eligibility is subject to review.
Other areas coming soon!
Book Your Free Consultation
Talk through the program with our property experts
Or register your interest below
Or connect with us at
+66 (0)2 460 9597