Loans for Land Owners
High loan amounts,
flexible repayments with
extra payments anytime
flexible repayments with
extra payments anytime
Your choice! Title loan or mortgage
Apply for a Loan for Land Owner
- Expert advice at every step by our branch team
- All occupations accepted
- Guarantor not required
This loan accepts only the following 3 types of unencumbered title deeds:
Nor Sor 3 Kor (Green Garuda)
Nor Sor 4 (Red Garuda)
Chor 2 (Condominium Ownership Certificate)
Why do over 2 million customers choose Tidlor?
Reviews from over 50,000 real customers on Tidjai app
🌟 Trusted by over
📍 Branches nationwide over
🔍 Interest rate verifiable, no hidden fees
🚀 Fast approval
Why do over 2 million customers choose Tidlor?
Reviews from over 50,000 real customers on Tidjai app
🌟 Trusted by over
📍 Branches nationwide over
🔍 Interest rate verifiable, no hidden fees
🚀 Fast approval
Loan for Land Owner Application
2
Answer Call
We will call you as soon as possible to verify information
3
Submit Documents
Bring required documents to the nearest branch (no vehicle needed)
View Required Documents4
Get Results
Know the result within 1 hour if all required documents are complete, subject to the Company’s conditions.
Why choose TIDLOR Loan for Land Owner?
Fast access to funds, with simple documentation
Accepts all Land Types
Expert advice at every step by our branch team
No guarantor required
Flexible repayments, with extra payments anytime
Applicants in all occupations are welcome
Need urgent money? Use your land as collateral—no need to sell your land.
Because unexpected events can happen at any time!
- Emergency situation, need money urgently!
- Medical expenses, business costs, children's tuition fees come unexpectedly
- Income not enough, expenses overwhelming, borrowing from others is difficult
We understand well...you don't want to be in debt, but sometimes life can have setbacks
Any occupationcan apply for loan
Applicant Requirements
- General individuals aged 21-70 years
- Employees, permanent staff, or private business with current work experience of 6 months or more
- Business owners with 6+ months of business operation.
Required Documents
1
Original national ID card
2
A copy of the guarantor’s bank passbook
3
Original title deed (Nor Sor 4 / Nor Sor 3 Kor / Chor 2)
4
Official appraisal certificate, receipt for payment, and witness statement issued by the Land Department
(issued within the past 30 days)
5
Applicant's House Registration Copy (Required for mortgage)
6
Other documents as specified by the Company
Land Title Loan vs. Mortgage: Which option is right for you?
Ngern Tid Lor offers both options. Choose the right one that perfectly meets your financial needs.
Quick Cash
Land Title Loan
High Loan Amount
Land Mortgage
Maximum Loan Amount
Up to 200,000 THB
Up to 1,000,000 THB Larger lump sum to boost your capital
Process & Convenience
No mortgage registration required. Complete the whole process at the branch -- save your valuable time.
We've got your back! Our dedicated experts guide you and even accompany you to the Land Office.
Registration Fees
Zero Hidden Fees. Receive the full loan amount with no registration deductions.
Zero upfront cash needed! (Comfortably pay your registration fees directly from your approved loan. (1% fee + 0.05% stamp duty at actual cost))
Interest Rate
0.70% per month fixed rate (as of April 18, 2025),
equivalent to an effective interest rate of 15% per year.
equivalent to an effective interest rate of 15% per year.
Repayment Term
Flexible terms from 12 - 60 months.
Max flexibility up to 84 months! longer, lighter payments!
Accepted Property Highlights
Nor Sor 4, Nor Sor 3 Kor, Chor 2
(Special! Landlocked plots are also considered)
(Special! Landlocked plots are also considered)
Nor Sor 4, Nor Sor 3 Kor, Chor 2
(Title deed substitutes are fully accepted!)
(Title deed substitutes are fully accepted!)
Frequently Asked Questions
What are the conditions for applying for a loan for land owner?
Ngern Tid Lor only accepts land title deeds that are free of encumbrances. The types of title deeds accepted include:
The title deed holder must be the sole owner, with the name matching the loan applicant's exactly.
*Landlocked land is eligible for title loans only.
- NS.3K: House and Land (Green Garuda)
- NS.4: House and Land (Red Garuda)
- CH.2: Condominium (Condominium Unit Ownership Certificate)
The title deed holder must be the sole owner, with the name matching the loan applicant's exactly.
*Landlocked land is eligible for title loans only.
What are the borrower qualifications?
Qualifications for land loan applicants - Expert advice at every step by our branch team, fast approval. Simply meet the following requirements:
- Applicant must be between 21-70 years of age
- Must be an individual (corporate entities not accepted)
- No minimum ownership period required - you can apply regardless of how long you've owned the property
- All occupations accepteda. Employees or permanent staff with at least 6 months of employment
b. Self-employed with business operating for at least 6 months
What documents are required for a loan for land owner application?
Only 6 documents are required for loan application:
- Original ID card
- Bank account book copy (name must match borrower's name)
- Original land title deed (NS.4 / NS.3K / CH.2)
- Appraisal certificate with receipt and witness fee receipt from the Land Department (not older than 30 days)
- Applicant's House Registration Copy (Required for mortgage)
- Proof of common area fee payment for the latest year/period (for condominiums only (CH.2))
Do you accept loan applications from risk areas?
Tidlor accepts title deeds from all provinces and service areas, except where the customer’s current address, workplace address, address on the national ID card, or land title deed is located in one of the three southern border provinces: Pattani, Yala, or Narathiwat.
What is the interest rate?
Interest rate starts from 0.70% per month as a flat monthly rate
which is equivalent to an effective reducing balance rate of 15% per annum
(calculated based on a 12-month loan period)
which is equivalent to an effective reducing balance rate of 15% per annum
(calculated based on a 12-month loan period)
Free your loved ones from debt with Payment Protection Insurance (PPI)
Choose PPI for peace of mind in every loan. Reduce risk of default in unexpected events such as death or total permanent disability.
So you can be confident and fully understand this product
We have gathered important information and documents for you. Please click to see more details.
How to calculate loan for land owner interest using reducing balance method
Reducing balance interest rate 15% per year (effective from Apr 18, 2025 onwards)
Example: Khun Sodsai wants to apply for 100,000 THB loan
Principal 100,000 THB, choose repayment period of 60 installments, interest rate 0.70% per month as flat rate interest, which is equivalent to effective reducing balance interest rate of 15% per year. Average monthly installment 2,395 THB. Total interest throughout contract period 42,188.43 THB. Total amount to be paid 142,188.43 THB.
Note- The above interest is an approximate calculation depending on contract date and installment due date
- Reducing balance interest rate calculation method refers to Bank of Thailand
- Borrow only as necessary and within repayment capacity. Interest rate 0.70% per month (as of April 18, 2025) is a flat monthly rate, which is equivalent to an effective reducing balance interest rate of 15% per year. Repayment period 12 - 60 months
Notes on interest rates, fees and other expenses
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