By using a common interest rate calculator from internet (https://www.calculator.net/interest-rate-calculator.html) and the info from Laos, the real interest rate for Laos case is around 11.5%.
For Thailand case would need to know the same info (price, down payment, monthly payment and how many months) to calculate the teal interest rate, but as jackdd said, usually what is advertised here as 2.5% turns out to be around 5% real interest rate.