🏠 Summary of Transfer Expenses [House/Condo] Resale Properties, Year 2026: How much should you prepare? (Latest Update)
Preparing to purchase a resale house or condo is exciting, but one concern that keeps many people up at night is, "How much money do I need to prepare for the ownership transfer at the Land Department?" With resale properties, some expenses depend on how long the seller has held the property.
The good news is that in 2026, the government is continuing its full support measures! Today, we have summarized the figures in an easy-to-understand way, along with clear case examples.
🎯 Check Now! Government Measures 2026: Who is eligible?
The government has reduced fees for single houses, twin houses, townhomes, commercial buildings, and condominiums (including resale properties) with the following conditions:
The sale price and appraised value must not exceed 7 million Baht.
The mortgage amount (loan amount) must not exceed 7 million Baht.
Must be a natural person of Thai nationality, and the transfer and mortgage registration must take place at the same time.
🔥 Special 2026 Discount Rates:
Transfer Fee: From the standard 2% reduced to only 0.01%.
Mortgage Registration Fee (for bank loans): From the standard 1% reduced to only 0.01%.
💸 What are the 5 main expenses on transfer day? (And who pays them?)
To provide clarity, let's look at the comparison table between the "Standard Rates" and the "2026 Discounted Rates":
Expense Item | Standard Rate | 2026 Special Rate (Price ≤ 7M) | Usually Responsible Party |
1. Transfer Fee | 2% of appraised value | 0.01% of appraised value | Split equally (or as agreed) |
2. Mortgage Fee (if financed) | 1% of loan amount | 0.01% of loan amount | Buyer pays |
3. Stamp Duty | 0.5% of sale price | 0.5% (remains unchanged) | Seller pays |
4. Specific Business Tax | 3.3% of sale price | 3.3% (remains unchanged) | Seller pays |
5. Withholding Income Tax | Calculated based on Land Dept. scale | Standard rate (depends on holding period) | Seller pays |
*Note: You will pay either the Stamp Duty (0.5%) OR the Specific Business Tax (3.3%)—never both. (If the seller has held the property for over 5 years or has been on the household registration for over 1 year, only the Stamp Duty applies, which is significantly cheaper.)
🧮 Case Example: Buying a 3,000,000 Baht resale condo—how much do you need?
Assuming you are purchasing a well-located resale condo for 3 million Baht (fully financed with a 3 million loan, and the seller has held the property for over 5 years), here is how much you can save with the 2026 government measures:
Transfer Fee (0.01%): Pay only 300 Baht (instead of the standard 60,000 Baht!)
Mortgage Fee (0.01%): Pay only 300 Baht (instead of the standard 30,000 Baht!)
Stamp Duty (0.5%): 15,000 Baht (Seller's responsibility)
Miscellaneous Fees (Application, witnesses): Approx. 30-50 Baht
💡 Summary: While the buyer would normally have to prepare nearly 90,000 Baht for transfer and mortgage fees, the 2026 government measures mean the buyer actually pays only 600 Baht! That's enough savings to comfortably furnish your new home.
📌 Secret Tips before visiting the Land Department:
Clearly agree on expenses in the Sale and Purchase Agreement: Specify clearly who pays the transfer fee (split equally or paid by the seller) to avoid any disputes on the day of the transfer.
Check for outstanding common area fees: For resale houses/condos, you must have a "Debt-Free Certificate" from the juristic person to show on the transfer day; otherwise, the Land Department officials will not process the transfer.
🏢 Looking for a premium-condition, great-value resale condo/house?
If you want to avoid document-related headaches and are looking for a property that fully qualifies for the 2026 transfer fee reduction, we have a selection of Grade A properties in prime locations, with transparent pricing. We are ready to take you for a viewing and provide free assistance with your mortgage process every step of the way.
1. Browse properties of interest: View our online gallery.
Click to view all featured properties eligible for the 2026 government measures [Your Listing Page Link]
2. Schedule an in-person viewing: 1-2 days in advance.
Chat with us to reserve a slot for a private viewing of the actual unit/house. We accept only 3 slots per day this week.
3. Document handling and loan application: Full assistance at every step.
Our team will help assess your budget, handle bank applications, and accompany you to the Land Department for a smooth, fast, and stress-free ownership transfer.
