How to get a house loan even if you haven't finished university yet
Last updated: 4 Sept 2025
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Today's world is full of opportunities for anyone to easily start a business online. This has led to many students and teenagers earning substantial incomes and aspiring to own their dream house or condo. However, there's a question that's lingering: Can I get a house loan if I haven't graduated from university? The answer is yes, even if I haven't graduated from university. However, I can apply for a house loan, even if I don't need to be. However, I must meet the bank's eligibility requirements for house loan applicants, as follows:
You must be 20 years of age or older.
Not graduating from university isn't a problem for house loan applications. The key point is that the borrower must meet the bank's age requirement, which is 20 years of age or older. Legally, if you're not yet 20, you still can't apply for a house loan. 20 is the legal age for legally entering into contracts without the involvement of a guardian. Therefore, if you haven't graduated from university but want to apply for a house loan, you need to check whether you're 20 years of age or older.
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Minimum income of 10,000 baht or more
Once you meet the criteria, the next step in house loan consideration is income. The minimum monthly income requirement is 10,000-15,000 baht, depending on the bank's conditions. Today, college students can earn incomes exceeding the minimum requirement in a variety of ways. Therefore, having clear evidence of a stable income can reassure the bank that you can afford to repay the loan. Even if you haven't graduated from university, you can still get a house loan approved.
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Never been a debtor under a bank restructuring agreement
Another important condition to increase your chances of getting a house loan approved, even if you haven't graduated from university, is that the borrower must not have been a debtor under a bank restructuring agreement. This is because having been a debtor under a bank restructuring agreement means you still have outstanding debt and may have a poor repayment history, requiring restructuring assistance. Therefore, if you continue to apply for a house loan and accumulate additional debt, you may not be able to make the payments. Therefore, even if you are of legal age and have a stable income, you may still be unable to get a house loan approved. Because they have too much debt.
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In short, even if you haven't graduated from university, you can apply for a house loan if you're over 20 years old, have a steady income of over 10,000 baht, and have never been in debt restructuring. Whether you'll be approved for a house loan depends on your income and whether the price of the house or condo you're buying is too high for your ability to repay. To increase your chances of getting approved for a house loan, you can apply jointly with your parents or siblings who also meet the same qualifications. This will greatly increase your chances of getting approved for a house loan.
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Source: REIC
You must be 20 years of age or older.
Not graduating from university isn't a problem for house loan applications. The key point is that the borrower must meet the bank's age requirement, which is 20 years of age or older. Legally, if you're not yet 20, you still can't apply for a house loan. 20 is the legal age for legally entering into contracts without the involvement of a guardian. Therefore, if you haven't graduated from university but want to apply for a house loan, you need to check whether you're 20 years of age or older.
___________________________________________
Minimum income of 10,000 baht or more
Once you meet the criteria, the next step in house loan consideration is income. The minimum monthly income requirement is 10,000-15,000 baht, depending on the bank's conditions. Today, college students can earn incomes exceeding the minimum requirement in a variety of ways. Therefore, having clear evidence of a stable income can reassure the bank that you can afford to repay the loan. Even if you haven't graduated from university, you can still get a house loan approved.
___________________________________________
Never been a debtor under a bank restructuring agreement
Another important condition to increase your chances of getting a house loan approved, even if you haven't graduated from university, is that the borrower must not have been a debtor under a bank restructuring agreement. This is because having been a debtor under a bank restructuring agreement means you still have outstanding debt and may have a poor repayment history, requiring restructuring assistance. Therefore, if you continue to apply for a house loan and accumulate additional debt, you may not be able to make the payments. Therefore, even if you are of legal age and have a stable income, you may still be unable to get a house loan approved. Because they have too much debt.
___________________________________________
In short, even if you haven't graduated from university, you can apply for a house loan if you're over 20 years old, have a steady income of over 10,000 baht, and have never been in debt restructuring. Whether you'll be approved for a house loan depends on your income and whether the price of the house or condo you're buying is too high for your ability to repay. To increase your chances of getting approved for a house loan, you can apply jointly with your parents or siblings who also meet the same qualifications. This will greatly increase your chances of getting approved for a house loan.
___________________________________________
Source: REIC
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