Hello ! Advice needed

We will buy another apt, but we need 3 M baht more.

If we pay the 3M as instalment , landlord will change the ownership after we clear up the payment 2 years later. (The condo we will buy is in Thai name, but the landlord has another condo in Foreign name. He can change the ownership )

If we borrow money from bank and clear up all the payment now, then we can have the ownership right away.

So, which bank in Pattaya has good loan interest rate for 2 years? Thanks so much in advance!

PS: Hub works in Rayong, has working permit and long visa stay etc

You need to go to various banks (and websites) and shop around. Getting loans for foreigners can be difficult even with a work permit. Some banks don't lend to foreigners, period.