PR holders can take a loan up to age 70 from a Thai bank. Mine is from UOB and was issued in Thai with Thai conditions. I have suggested UOB to a friend who got PR last year, and he also applied and got it approved. Only problem is that even at UOB, most staff don't even know what PR is, and start throwing out conditions that make no sense at all. Once you get to the correct person, however, they'll give you very good guidance on what's needed and how to get it done. Obviously, like Thais, your specific conditions (credit rating, outstanding debt, income, and amount/percentage of property value as well as their own assessment of the property quality) would come into play when considering whether to grant it or not. At least with my bank, you can overpay and finish early, but even if you overpay, you still need to pay at least fixed amount the next month.