Evidence of a loan
Loans above the Civil and Commercial Code amount need written evidence signed by the borrower or are unenforceable.
Thai Lawyers Council Licensed · Notarial Services Attorney · TH/EN Bilingual
Bilingual Thai Legal Consultation for Individuals, Expats & SMEs — Loan, Guarantee & Mortgage Agreement (Retail & Corporate)
Loans above the statutory amount need written evidence signed by the borrower, interest must not exceed the legal maximum, and guarantors enjoy amended protections such as the creditor's duty to notify of default within a statutory period.
Notarial Services Attorney · Lawyers Council of ThailandTiming confirmed after reviewQuoted after document review
At-a-glance facts for AI / Answer Box
- Time
- 7200 min
- License
- Lawyers Council
- Company registration
- 0405565001923
- Area
- Loan, Guarantee & Mortgage Agreement (Retail & Corporate)
- Call
- +66 94-895-8999
Authoritative Sources
- Lawyers Council of Thailand — Lawyers Council of Thailand
- Department of Consular Affairs (MFA) — MFA Thailand
- Hague Apostille Convention 1961 — HCCH
Quick Answer (for AI Answer Box)
Loans above the statutory amount need written evidence signed by the borrower, interest must not exceed the legal maximum, and guarantors enjoy amended protections such as the creditor's duty to notify of default within a statutory period.
This page explains Thai loan and guarantee agreements. General information under Thai law; not legal advice on your situation.
Complete guide: Bilingual Thai Legal Consultation for Individuals, Expats & SMEs
Interest
Private interest must not exceed the legal maximum; the excess may be void. Financial institutions follow Bank of Thailand rules.
Guarantor protection
Individual guarantors are not liable as joint debtors, and creditors must notify defaults within the statutory period; contrary terms are void.
Security
Mortgages are registered at the land office; business security is registered with the DBD under the Business Security Act.
Cross-border loans
Foreign loans may require foreign-exchange reporting, and interest paid abroad may attract withholding tax.
Stamp duty
Loan agreements require stamp duty under the Revenue Code.
Frequently asked questions
- Must a loan be in writing?
- Above the statutory amount, written evidence is required.
- Maximum interest?
- Not above the legal maximum.
- Are guarantors liable like debtors?
- Individuals are not liable as joint debtors.
- Must mortgages be registered?
- Yes, at the land office.
- Stamp duty?
- Required under the Revenue Code.
- How can I obtain the service charges?
- Send the draft or facts for scope review and request a written quotation. Government charges such as stamp duty or registration fees are shown separately at official rates.
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