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Own Your Dream Home in Thailand with Seller Financing
Buy now, pay later with flexible seller financing. Secure your property with 30% down and affordable monthly payments over 5 years at just 5% interest.
Why Seller Financing?
Thailand's property market is stuck, with eager buyers blocked by strict bank rules. Many, especially foreigners and self-employed Thais, can afford down payments and monthly payments but can't secure traditional bank loans. Seller Financing gives these buyers a simple way to own a home and helps sellers close sales faster with steady monthly income and competitive returns. Currently available for properties in Bangkok, Phuket, Koh Samui, Pattaya, Hua Hin and Chiang Mai.
High Mortgage Rejections
Up to 70% of buyers are denied mortgages, leaving many ready‑to‑buy customers without financing options.
Hundreds of Thousands of Unsold Homes
Over 300,000 homes sit unsold across Thailand, creating major challenges for sellers trying to find qualified buyers.
How Seller Financing Solves the Buyer and Seller Gap
Seller Financing bridges the gap between eager buyers who can afford to pay but can't get a bank loan and sellers with property sitting unsold. It turns qualified buyers into homeowners while giving sellers steady monthly income at competitive interest rates and a clear path to a completed sale.
1
Seller Opts In
Sellers can opt-in when listing a new property on FazWaz, or update an existing listing to enable the Seller Financing option. Seller Financing is currently available for properties in Bangkok, Phuket, Koh Samui, Pattaya, Hua Hin and Chiang Mai.
2
Buyer Finds a Home
Buyers browse seller-financed properties and find their future home. Seller Financing enables qualified buyers to purchase property without traditional bank approval.
3
Agree on Terms
Buyer and seller agree on a price, with 30% down payment and 5-year financing at 5% interest by default. Different terms can be arranged if both parties agree.
4
Monthly Payments
The buyer makes monthly installment payments that include principal and 5% annual interest, while the seller collects steady monthly income with competitive returns throughout the 5-year term.
5
Ownership Transfer
When the contract is fulfilled, or the buyer decides to purchase early, the property title is transferred, and FazWaz helps coordinate and support both parties throughout the closing process.
Win-Win Property Solutions Start Now
Whether you're looking to sell or buy, our Seller Financing program creates win-win opportunities for everyone.
For Buyers
Own your home without a bank loan
Secure your property with 30% down payment
Lower rates than traditional banks at just 5% interest
Lock in your purchase price from day one
Build equity with every monthly payment
Option to pay off early without penalties
For Sellers
Close deals faster with competitive returns
Get 30% upfront to unlock immediate cash flow
Earn 5% interest on the financed amount
Receive steady monthly income for 5 years
Keep ownership until fully paid for peace of mind
Access buyers who can't get traditional financing
For Developers
Move unsold inventory with attractive returns
Free up cash flow from completed projects
Receive 30% upfront on each unit sold
Earn 5% annual returns on financed amounts
Reach foreign and local buyers blocked by banks
FazWaz handles marketing, contracts & payment tracking
Confidence and Support at Every Step
Seller Financing with FazWaz is designed to keep both buyers and sellers secure from start to finish. Sellers maintain ownership until fully paid and earn competitive returns, while buyers know every payment builds equity toward full ownership. 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 Seller Financing
How much do I need as a down payment?
A 30% down payment is required to secure the property and begin the financing plan.
What are the financing terms?
The standard plan is 5 years at 5% 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.
What if I've been denied a bank mortgage?
Seller Financing is designed for buyers who can't get traditional bank loans - including foreigners, self-employed individuals, and those with irregular income. Your ability to make the down payment and monthly installments matters more than bank approval.
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 30% upfront plus 5% annual interest on the financed amount, creating competitive returns while securing a sale.
What happens if the buyer stops paying?
You keep the property, the upfront deposit, and all payments made. FazWaz can help with reminders, notices, and documentation if needed.
How do I receive payments?
Monthly payments (principal + 5% 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 does Seller Financing help developers with cash flow?
You receive 30% upfront per unit plus steady monthly income at 5% returns, freeing capital for your next project while moving inventory.
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 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 is Seller Financing different from Rent-to-Own?
Seller Financing is a purchase with owner financing (30% down, 5% interest, 5 years). Rent-to-Own is a rental agreement with purchase option (rent + 20% extra, 2 years).
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 Seller Financing?
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