Ratio = rent ÷ price
Yield and loan calculator
The same numbers Peung Rati uses to shortlist property for clients. Try it with the property you are looking at.
Yield a year (est.) · rent gives gross, net income gives net
11.32%
- Monthly payment
- THB 53,628
- Income cover
- 2.80×
- Monthly surplus (before costs)
- THB 96,372
- Your equity (down payment)
- THB 3.18M
- Payment at 6% once the promotional rate ends
- THB 76,263
Income covers the payment 2.80 times, leaving about THB 96,372 a month before costs
Gross yield
A year of rent divided by the price, before costs. Good for quick comparison.
Net yield
After common-area fees, tax, repairs, management and vacancy. Peung Rati works it out in the Investment Sheet.
Rent cover
Monthly rent divided by the payment. Above 1× means the rent covers the payment on its own.
After the promotional rate
Promotional rates usually cover the first 3 years. The 6% line shows whether you can still afford the payment once the rate floats.
How the numbers on this site are calculated
Yields and loan payments on this site are estimates, worked out from the price and from the income stated by the owner, the seller or the lease on the date shown, and may change.
Figures on property pages
- Gross yield = monthly income × 12 ÷ asking price × 100, before costs. Each figure names its income basis: contract rent, asking rent, or revenue before costs (hotels, Airbnb).
- Net yield on property pages = monthly net income as stated by the seller × 12 ÷ asking price × 100. Buying costs are not included.
- Estimated payment: an 80% loan at 3.0% a year over 30 years, and the same loan at 6%. Income cover uses rent or net income only, never revenue before costs.
- Simple payback (years) = asking price ÷ (monthly income × 12), from rent or net income only, never from revenue before costs. Rent is taken before running costs, and buying costs are not included.
The calculator
- Enter rent to get gross yield, or net income to get net yield. A full net yield = (annual rent − annual costs) ÷ (purchase price + buying costs) × 100; costs include management, common fees, taxes, repairs and vacancy. Peung Rati works it out in the Investment Sheet.
- Short-stay or Airbnb income moves with the season and occupancy, unlike annual tenants or subleases.
Closed deals are shown as track record. They do not guarantee the returns of other properties or future results. Prices and availability may change without notice. This is not investment advice. Check the documents and the lease, and consult your bank or a tax adviser before you decide.
Start today
Tell Peung Rati what you want to earn
She will shortlist properties that fit your budget and target yield, with the numbers side by side.
Peung Rati replies in English or Thai.
WhatsApp +66 86 321 2561 · Phone +66 61 941 9639 · LINE ID 0619419639 · peungratio@gmail.com