REAL ASSET Strengthens Real Demand Strategy
Launching the “Direct Installment Plan” Model to Address Rising Rejection Rate
REAL ASSET Development Co., Ltd., a leading real estate developer of detached houses, semi-detached houses, townhomes, and condominiums, announced an aggressive marketing strategy with the launch of the “Direct Installment Plan” program.
The program aims to address a structural issue in the real estate market amid household debt and stricter loan approval criteria from financial institutions, which have caused the housing loan Rejection Rate to rise.
This model focuses on converting potential buyers who face documentation limitations into residents who can move in immediately, while also accumulating principal payments to prepare for future bank loan applications and actual ownership transfer.
Mr. Patthawin Wongsthien, Chief Sales and Marketing Officer of REAL ASSET Development Co., Ltd., revealed that from the company’s study of current consumer behavior and customer insights, the market still has strong Real Demand.
However, it faces an “Affordability & Accessibility Gap” between demand and financial readiness.
Many consumers have purchasing power and real cash flow, but face financial system limitations.
These include freelancers or self-employed professionals without salary slips, small and medium-sized business owners whose bank statements do not reflect their actual income, First Jobbers or people who have recently changed jobs and whose employment period does not yet meet bank criteria, people who previously had overdue payment records or credit bureau issues but have now recovered and have stable income, and groups who want to lock in a unit and price while preparing financially.
“In the current economic environment, stricter lending criteria from financial institutions have caused the Rejection Rate to increase. According to data from the Agency for Real Estate Affairs, or AREA, the overall housing loan Reject Rate in the first half of 2026 was 44.9%, increasing from 39.8% during the same period in 2025. This has become a major barrier preventing consumers from accessing home ownership. Therefore, REAL ASSET designed the “Direct Installment Plan” program to serve as a ‘Bridge Solution’ that helps close this gap, gives customers the opportunity to start with confidence, and turns monthly rental expenses into accumulated value toward true home ownership,” Mr. Patthawin said.
The structure, conditions, and mechanism of the “Direct Installment Plan” program are designed to be flexible, transparent, and highly fair to buyers:
Direct contract with the project: Buyers enter into a purchase agreement to pay principal and interest installments directly with the project.
Immediate move-in: Buyers can move in immediately after signing the agreement according to the conditions.
Interest rate and installment conditions: Direct installment period of 1 year with a special interest rate from the project. Comfortable installments start from 5,000 baht per month per million baht.*
Principal accumulation mechanism: Each monthly installment is divided into interest and principal. The principal paid in each installment will be accumulated throughout the contract period and immediately deducted from the principal amount, or used as a discount on the transfer date, when the buyer is ready to apply for a loan with a financial institution.
Initial entry condition: Payment of 3 months upfront, consisting of 1 month advance payment and 2 months security deposit.
The program covers detached houses, semi-detached houses, townhomes, and condominiums that support both living and investment.
It covers high-potential locations in Bangkok and the surrounding metropolitan area, including Bangna-Suvarnabhumi, Rangsit, Ratchada-Huai Khwang, and Sukhumvit-Lasalle, with prices starting from 1.89-10 million baht.
The participating projects include:
Detached house and semi-detached house projects: Viranya Bangna – Suvarnabhumi and Viranya Rangsit – Wongwaen
Townhome projects: Stories Bangna – Suvarnabhumi and Stories Rangsit – Wongwaen
Condominium projects: THE STAGE Mindscape Ratchada – Huai Khwang, ARLO Sukhumvit 105 – Lasalle, and A Space Mega 2
REAL ASSET believes that this Direct Installment Plan model will not only help stimulate purchase decisions in the Real Demand real estate market, but also serve as a model for helping consumers build financial discipline and prepare sustainably for borrowing readiness in the long term.
For more information or to register your interest in the project, click here >> https://bit.ly/4yrn6Dn
Explore more details about single houses, twin houses, townhomes, and condominiums here.
Website : www.realasset.co.th
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Call Center : 1232
E-Mail : info@realasset.co.th
