The real estate market in 2025 is shaping up to be a year of adaptation for both consumers and developers. Despite challenges, the demand for housing continues to show promising growth. DDproperty, Thailand's number one real estate platform, has revealed insights from website visitors at www.DDproperty.com in April 2025, reflecting trends in the buying and renting of residential properties among Thai consumers. The number of website visitors in April increased by 7% month-on-month (MoM) and by 25% year-on-year (YoY), even after experiencing an earthquake in Myanmar that was felt in Thailand on March 28, 2025.

However, when examining the demand for housing in Bangkok, it was found that the demand for condominiums decreased by 14% MoM due to consumer concerns about the safety of high-rise buildings during earthquakes. This shift has benefited the demand for low-rise housing, with the demand for single-family homes in Bangkok increasing by 8% MoM and townhomes by 6% MoM.

Most of the demand for purchasing homes is concentrated in the price range of up to 3 million baht, accounting for 46%. However, the price range with the highest increase in demand is over 10 million baht, which rose by 6% MoM.

Meanwhile, the demand for rental properties increased by 23% MoM across all types of housing, with townhomes seeing the largest increase at 31% MoM, followed by condominiums at 23% MoM and single-family homes at 11% MoM.

The majority of rental prices are in the range of 10,000-20,000 baht/month, accounting for 36%, while the rental price with the highest increase in demand is over 30,000 baht/month, which rose by 28% MoM. This reflects that the demand for buying/renting housing continues to grow, presenting an opportunity for developers to launch promotions to attract both homebuyers and investors.

Identifying Positive Factors Creating Golden Opportunities for Home Buyers in 2025

The housing market in 2025 is shining a light on opportunities for home seekers once again, supported by government real estate measures and ongoing interest rate cuts. This creates a golden opportunity for those financially ready to purchase housing, with three notable positive factors:

  1. Government Support Measures: A Key Driver of the Market The real estate sector remains a crucial economic mechanism that the government continues to support through measures that reduce costs and increase access to loans, making it easier for home seekers to own their residences. These measures include:
  • A reduction in property transfer registration fees to 0.01% (from the usual 2%) and a reduction in mortgage registration fees related to property transfer to 0.01% (from the usual 1%) for sales and appraised values not exceeding 7 million baht, effective until June 30, 2026.
  • The Bank of Thailand (BOT) has temporarily relaxed regulations on housing loans and related loans (Loan-to-Value: LTV), allowing a loan-to-value ratio of 100% for housing loans, applicable to (1) collateral valued under 10 million baht from the second loan agreement onwards, and (2) collateral valued at 10 million baht or more from the first loan agreement onwards, for contracts made from now until June 30, 2026.
  • Low-interest housing loans from state financial institutions, including the Government Housing Bank (GHB), Government Savings Bank, and the National Housing Authority, which offer special interest rate products or other lenient conditions, such as longer repayment periods, higher loan limits, or relaxed loan approval criteria, helping consumers afford housing.
  • The Housing for Thai People project focuses on developing affordable housing in strategic locations near public transport systems, allowing participants to lease with an option to buy over 99 years, with starting monthly payments of around 4,000 baht and repayment terms of 30-50 years, supported by loans from the Government Housing Bank at a fixed interest rate of 2.5%.
  1. Continuously Decreasing Interest Rates: Easing the Burden on Homeowners The Monetary Policy Committee (MPC) has consistently lowered the policy interest rate to 1.75% per annum (as of April 30, 2025), which is a positive signal for those looking to buy homes. The reduction in the policy interest rate is expected to lead to a decrease in housing loan interest rates, helping to alleviate the burden of monthly repayments, thereby increasing financial liquidity for buyers.
  2. Developers Offering Attractive Promotions Real estate developers are competing to offer a variety of promotions to stimulate sales, including special discounts, free maintenance fees, giveaways, and even down payment assistance and home rental savings programs to meet the lifestyle needs of the new generation. Additionally, developers are partnering with banks to offer loan promotions with special interest rates, enabling consumers to own homes at a great value and reduce some costs.

Enhancing Readiness with 5 Steps to Plan for a New Home Purchase Wisely

Amid the positive factors facilitating homeownership, consumers must remember that the key to purchasing a residence lies in comprehensive planning and preparation. DDproperty recommends five steps to enhance readiness for planning a new home purchase, helping home seekers take the first confident and valuable step towards homeownership during this golden opportunity.

  1. Select Housing Appropriate to Income Systematic planning for home buying is a crucial step in the real estate journey. Consumers should choose their dream home/condo based on their financial status, calculating the maximum loan amount they expect to receive based on their net monthly income after expenses. This helps establish a suitable budget for purchasing a residence, followed by considering the needs and lifestyle of family members to select the type of housing and location that meets their requirements.
  2. Learn to Build a Stable Financial Foundation Systematic financial management will help consumers prepare effectively for purchasing a home/condo. Since real estate is a high-value asset with long repayment terms, a careful financial plan is necessary to mitigate future financial risks. Consumers should save money for home purchase expenses, including down payments and transaction costs. Borrowers should aim to keep expenses below 40% of their income and save for an emergency fund covering 3-6 months of expenses before purchasing a residence.
  3. Good Credit is Half the Battle Won A good financial history is another key to easier loan approval, as it indicates reliability and repayment capability. Consumers should start building a good financial history by paying off debts on time and reducing unnecessary debt as much as possible to enhance repayment capacity and reduce the risk of loan rejection. Most banks will consider the ability to repay debts within the specified timeframe, along with the Debt Service Ratio (DSR) and income stability for future debt repayments, to assess financial risk before approving loans according to bank criteria.
  4. Verify Before Applying with “Pre-approval” Conducting a “Pre-approval for a home loan” or an initial assessment of housing loan eligibility with a bank is a way to check financial status and repayment capability based on the declared sale price of the property, income, expenses, and creditworthiness. If pre-approval is granted, it indicates a higher chance of loan approval. If not, it may not be the right time to buy. Additionally, the advantage of pre-approval is that it informs consumers whether they are capable of applying for a housing loan of a certain amount, aiding in better decision-making regarding loan applications and bank selection. If pre-approval is denied, it highlights areas for improvement to enhance repayment capability before applying for a loan in the future.
  5. Compare Attractive Promotions to Secure the Best Deal In a highly competitive market, real estate developers are vying to offer promotions to attract customers and stimulate purchasing decisions. Therefore, consumers should keep track of project promotions from the start of their buying plans to avoid missing out on the best offers, especially those collaborating with banks to provide special interest rates for a limited time. They should then compare which project offers the best value and meets their financial, location, and lifestyle needs comprehensively. Consumers should thoroughly understand the terms and details of various promotions and inquire with staff if there are any doubts before making decisions to avoid misunderstandings later.

The positive factors in the real estate market in 2025 continue to attract financially prepared consumers to see golden opportunities in purchasing homes/condos for both personal residence and investment. Certainly, comprehensive preparation, including financial planning, building good credit, researching project information, and carefully considering promotions, are all crucial steps that can help make everyone’s dream of owning a home a reality sooner. DDproperty (https://www.ddproperty.com) has compiled interesting promotional information from leading Thai real estate developers, along with listings for buying/selling/renting in various locations across the country, as well as updates on useful news and knowledge for buying/selling/renting, to help everyone prepare confidently and smoothly before choosing their dream residence.