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Check the applicable protection
Read the reservation, purchase agreement and applicable controlled-contract rules. A covered transaction cannot be assessed only by a blanket “never refundable” statement. Equally, not every rejected application automatically produces the same refund. Ask the seller to explain the conditions and obtain independent advice where the position is unclear.
Define the financing event
Specify the minimum loan required, application and notification deadlines, bank evidence and treatment of partial approval. Submit accurate application information on time. A buyer’s failure to cooperate and a bank’s rejection after assessment are different circumstances.
Make a documented request
Keep the bank’s written decision or verifiable notification. Send the contracting party a timely request through the required channel, identifying the reservation money, relevant payments and refund basis. Ask for the processing timetable. If disputed, ask which particular condition is at issue. Do not sign a broad release of rights merely to obtain payment without understanding its effect.
Once finance conditions are clear, read Plan Cash for Off-Plan Instalment Payments.
Sources checked 4 November 2026: Office of the Consumer Protection Board: condominium reservation contract guidance, February 2026; Kasikornbank: bank home-loan information; confirm individual conditions with the lending bank.
Ownership, tax and visa rules change and individual situations differ. This is general information, not legal advice — confirm with a qualified professional before acting.
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