What is private real estate lending?

Private real estate lending is when individual investors or companies provide secured loans to borrowers, using real estate as collateral. The lender receives a mortgage over the property and earns interest on the loan.

How is my loan secured?

Your loan is secured by a registered mortgage on the borrower’s property. This legal registration at the Land Department gives you the right to enforce repayment or foreclose if the borrower defaults.

What is a typical Loan-to-Value (LTV) ratio?

Private lending in Thailand typically uses conservative LTV ratios, usually between 30–75% of the appraised property value. This margin reduces risk and increases security for lenders.

How much can I expect to earn in interest?

Private lending in Thailand typically uses conservative LTV ratios, usually between 30–75% of the appraised property value. This margin reduces risk and increases security for lenders.

What documents will I receive as security?

You will receive a mortgage agreement registered at the Land Department, a promissory note (if used), and proof of property title deed with your mortgage rights.

How does the escrow process work?

An escrow account managed by a trusted bank or provider holds the loan funds until all agreed conditions are met, such as mortgage registration. It ensures secure, transparent, and compliant disbursement.

What happens if the borrower defaults?

As the secured lender, you can enforce your rights via legal foreclosure. This allows you to recover your investment by selling the property, often at auction, to repay the outstanding balance plus costs.

How long are typical loan terms?

Private lending terms are flexible. Typical durations range from 3 to 12 months for bridge loans, but longer terms can be arranged depending on the deal and the lender’s preference.

What are the main risks in private lending?

Risks include borrower default, property market fluctuations, legal disputes over title, and changes in regulations. These risks are mitigated through careful due diligence, conservative LTV ratios, mortgage registration, and using escrow services.

Are there any taxes on interest income?

Yes. Interest income for foreign lenders is generally subject to 15% withholding tax in Thailand. Tax obligations vary by jurisdiction, so consult your tax advisor for specific guidance.

Why You Should Lend with Us

High-yield opportunities in Thailand's growing real estate market.

Secured by tangible real estate assets: Emphasis on registered mortgages and rigorous due diligence.

Diversification of investment portfolio.

Access to qualified borrowers.

Expert due diligence and legal oversight.

Transparent process and regular reporting (via Escrow)

01
Initial Consultation & Goal Setting:

Discuss investment objectives, risk appetite, and desired returns.

02
Opportunity Matching:

G. Plus identifies pre-vetted borrowers/properties aligning with lender criteria.

03
Comprehensive Due Diligence:

Detailed assessment of property, borrower's financial health, and legal status.

04
Loan Agreement & Escrow Setup:

Draft final loan and mortgage agreements; set up Krungsri Escrow Account.

05
Funding & Mortgage Registration:

Lender transfers funds to Escrow; mortgage is registered at Land Department.

06
Disbursement & Safekeeping:

Funds released to borrower; original title deed and mortgage agreement secured by Krungsri Safekeeping Agent.

07
Ongoing Management & Repayment Monitoring:

G. Plus facilitates communication and tracks repayments.

How it Works (Step-by-Step Process for Lenders)

Our Loan Types

Bridge Loans

Construction Loans

Property Acquisition Loans

Refinancing Options

Short-term Business Loans against Property

Lender Eligibility

At G. Plus Properties, we partner with discerning individuals and entities seeking secure, high-yield opportunities in the Thai real estate market. Our lending partners play a crucial role in facilitating flexible financing solutions while benefiting from robust collateral and transparent processes.

General guidelines for becoming a lending partner
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🔴 Investor Type:

Individuals (both Thai and international) looking to diversify their portfolio with asset-backed investments.
Corporate Investors (both Thai and international) seeking stable returns from real estate-backed debt.
Family Offices and high-net-worth individuals interested in direct, secured lending opportunities.

🔴 Investment Amount:

Typically, a minimum investment threshold is established to ensure the viability and efficiency of the lending process. Please contact us directly for our current minimum investment amount, as this can vary based on market conditions and specific project requirements.

🔴 Source of Funds:

All funds must be verifiable and originate from legitimate sources, in compliance with Thai Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT) regulations.
For international lenders, funds should be transferred through official banking channels and adhere to all relevant foreign exchange control regulations in Thailand.

🔴 Understanding of Risk:

Lending partners should have a clear understanding that while our loans are secured by real estate collateral, all investments carry inherent risks. We provide comprehensive due diligence, but the lender should be prepared to review and accept the specific risks associated with each loan opportunity.

🔴 Legal Compliance:

Lenders must be willing to comply with all Thai legal requirements for private lending, including the execution of formal loan and mortgage agreements, and the utilization of secure services like Escrow and Safekeeping through a licensed Thai bank (e.g., Krungsri Bank).

Next Step: To discuss your specific lending objectives and our current opportunities, please connect with our lending team for a personalized assessment.

Contact Us for Personalized Assessment

For Lenders

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Connect with Our Lending Team

Request a Lender Information Pack

Access Flexible Real Estate Financing in Thailand

Tailored private lending solutions for your
property needs, designed for speed and flexibility.

Why Borrow from Us

Faster approval and disbursement than traditional banks.

Flexible terms and customized loan structures.

Solutions for various property types (residential, commercial, land, development projects).

Experienced support through the entire process, from application to repayment.ualified borrowers.

Loans secured by real estate assets as collateral.

Transparent process with clear terms.

01

Initial Application & Needs Assessment:
Submit property details and financial requirements.

02

Property Valuation & Due Diligence:
G. Plus assesses the collateral and borrower's profile.

03

Loan Offer & Agreement Drafting: Receive a customized loan proposal; review and finalize agreements.

04

Escrow Account Setup & Funding: Krungsri Escrow Account established; lender deposits funds.

05

Legal Finalization & Fund Disbursement:
Mortgage registered; funds released from Escrow (after G. Plus's fees deducted as per agreement).

06

Repayment Schedule & Support: Begin repayments; ongoing support from G. Plus.

Borrowing Process: Step-by-Step Guide for Borrowers