Getting Your Home Loan Approved in 2026 — 7 Things Banks Actually Check

The question we hear most is "why was I rejected when my salary is fine?" The answer is rarely the salary — it is the financial picture the bank sees in your documents. Knowing what they look at lets you prepare precisely.

1. Debt-service ratio (DSR)

The first gate. Banks sum all your debt — cards, car, personal loans — against income; total debt including the new mortgage should stay under ~40%. Clearing small debts before applying helps a lot.

2. Credit bureau history

They review up to 3 years of repayment behavior. Even a few late payments leave a mark; pay on time for 12+ months before reapplying.

3–4. Statements & job stability

Six months of consistent statements verify real income — vital for the self-employed. Salaried applicants with 1+ year at one employer read as stable.

5–7. Down payment, age, collateral

Factor	What banks like
Down payment	10–20%+ (more is easier)
Age + term	Sum under 70 years
Collateral	Good location, appraisal near price

References

• National Credit Bureau
• Bank of Thailand — responsible lending guidelines