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Doing Things Legally This is for people with Thai work permit questions and queries from people wanting to start a business in Thailand. How can you make enough money to afford to live here? Will the BOI give you privileges? What documents do you need to work in Thailand? Thai taxes, Thai work permit renewal and Thai business registration.

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Old 08-02-2016, 11:58 PM   #1 (permalink)
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Talking A Thai getting a mortgage in Thailand, when living and working in Farangland

Hello boys,

So I don't post often but, I just curious about something, if you have any idea.

I am a dual Thai-EU citizen, and have a job in the EU good enough to get mortgages and things.

Has anyone ever heard of a Thai using a foreign income (obviously larger than equivalent salaries in Thailand) to get a mortgage on a property in Thailand?

I've read about the Bangkok bank branch in London, and that you can't use it for that kind of purpose, only for business thing and money transfers and stuff. I've read about the UOB bank in Singapore. I've also read a couple of threads about Thai-Farang couples trying to use the better off better half's income (usually the non-Thai husband, I guess) to get something whilst they both live in Thailand.

What I haven't ever read about or heard about is about a Thai working abroad, and using their income earned outside of Thailand to get a mortgage with a Thai bank in Thailand on a property in Thailand, where naturally it might work out as a better value proposition. Has anyone ever heard of anything like this being possible or impossible?
I seen Bangkok Bank in Thailand gives low rates for Thais earning over THB 55k, which is less than 17k EUR/yr (= 13k GBP / 18k USD / 26k AUD), which seems quite affordable if you work in one of those countries.
I guess it will mean having to make regular international transfers across to make it work, but if it's only like the amount you as a farang might rent a house out in Thailand for a month, it might be ok.

I guess some people might see buying something in an EU or other western country and selling it or renting it out to use back in Thailand might be a sensible idea, but if there was a way of doing both at same time, and having the options that doing that brings, that would be interesting, not just to me but to other people (e.g.: like your wife, for example ).

A lot of the SEAsian women I know who live and work in the EU don't enjoy every aspect of "the west", and miss home and want to be able to help their families, or find ways of looking after ageing parents. Some of us don't work in restaurants and hotels, and can maybe do something about it.

One friend of mine lives with her fat old farang ( ) in a house in UK and she has a small house near the beach at her hometown in Krabi, but I think she owned that before she left Thailand, so it doesn't apply. It's good for her that she has somewhere to go to for a break from UK life. I'm not in any hurry to live in Thailand but I would like to have something there to stay at if I go to visit my family.

Any thoughts warmly welomed.

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Old 09-02-2016, 12:02 AM   #2 (permalink)
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One friend of mine lives with her fat old farang
Heh...Is she good looking?...
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Old 09-02-2016, 12:20 AM   #3 (permalink)
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Aye, she look good for 40 (but I think we have this advantage over farang women), petite dark-skinned southern Thai, I think he jealous of any man talk to her.
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Old 09-02-2016, 12:26 AM   #4 (permalink)
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Originally Posted by Tank Girl
I seen Bangkok Bank in Thailand gives low rates for Thais earning over THB 55k, which is less than 17k EUR/yr (= 13k GBP / 18k USD / 26k AUD), which seems quite affordable if you work in one of those countries.
Do you mean less than?

Quote:
Originally Posted by Tank Girl
I'm not in any hurry to live in Thailand but I would like to have something there to stay at if I go to visit my family.
Save your money then.
You can do this by finding a nice immobile fat old man like your friend has.
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Old 09-02-2016, 12:39 AM   #5 (permalink)
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Quote:
Originally Posted by Tank Girl
I seen Bangkok Bank in Thailand gives low rates for Thais earning over THB 55k, which is less than 17k EUR/yr (= 13k GBP / 18k USD / 26k AUD), which seems quite affordable if you work in one of those countries.
Do you mean less than?

Quote:
Originally Posted by Tank Girl
I'm not in any hurry to live in Thailand but I would like to have something there to stay at if I go to visit my family.
Save your money then.
You can do this by finding a nice immobile fat old man like your friend has.
What do I need one of those for? I earn more than a taxi driver. She can't wait to get away from him, he's lazy twat.

I think 55k Baht per month is less than 17k Euro per year, yes?

12 * 55 000 Thai baht =
16 629.4793 Euros

That's what I mean - you can get the rate for 55k THB, and 55k THB per month is less than 17k EUR per year...

So I mean if I earned over 30000 Euro per year, then I can maybe get the low rate for earning over 55000 baht per month... เข้าใจไหม
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Old 09-02-2016, 01:04 AM   #6 (permalink)
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Originally Posted by Tank Girl
I guess it will mean having to make regular international transfers across to make it work
I will be brutally honest with you...Taking out a mortgage for a property in any foreign currency is a stupid idea. You're going to be ripped off every month with the banks exchange rates and hidden charges, on top of the interest. Find a fat guy, stay in and save your money
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Originally Posted by Tank Girl
some of us don't work in restaurants and hotels, and can maybe do something about it.
What do you do for a living, if you don't mind me asking ?
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Old 09-02-2016, 01:33 AM   #7 (permalink)
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Hello boys,
A bit presumptious ,,, how about us girls ??
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Old 09-02-2016, 07:50 AM   #8 (permalink)
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Quote:
(but I think we have this advantage over farang women)
until 40 maybe, but for some reason so many thai women when they reach forty seem to turn overnight into either moon faced blubbery wrinklies or skeletal crones, its probably why thai men stray so much.

western women, at least those who look after themselves reasonably well, seem to age with a classic elegance not found in many asians.

i would be interested to hear your opinions of how western life compares with thai life.
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Old 09-02-2016, 04:59 PM   #9 (permalink)
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If you are indeed a Thai and wish to borrow to fund a house/condo purchase then you will need to convince the bank that you have security of income and are prepared to pay a reasonable deposit. I'm not sure what you think is a good rate but the average mortgage rate is around 7%.

Bung in a reasonable wodge into a Thai bank account from which you can transfer monthly payments to the mortgagor and which you can replenish from the UK at your convenience thereby avoiding excessive fees. Online banking with Bangkok Bank, for example, can ensure a monthly transfer to the mortgagor will be achieved easily from the UK.

I can't see a problem here in principle but you would need to convince the mortgagor you are a good risk.
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Old 09-02-2016, 06:02 PM   #10 (permalink)
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This is a switch, a Thai girl who actually wants to pay for her own house. Is this for real?
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Old 09-02-2016, 06:06 PM   #11 (permalink)
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If you are indeed a Thai
Wild swings in English ability from...


Quote:
Originally Posted by Tank Girl
What I haven't ever read about or heard about is about a Thai working abroad, and using their income earned outside of Thailand to get a mortgage with a Thai bank in Thailand on a property in Thailand, where naturally it might work out as a better value proposition. Has anyone ever heard of anything like this being possible or impossible?
To...

Quote:
Originally Posted by Tank Girl
Aye, she look good for 40 (but I think we have this advantage over farang women), petite dark-skinned southern Thai, I think he jealous of any man talk to her.
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Old 09-02-2016, 06:24 PM   #12 (permalink)
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HSBC, allows foreign currency accounts and does mortgages, but, they will be secured against your income/assets in the west, so whether it's cost effective or not, I have no idea.

Bit like buying a car here, big enough deposit and you get finance, job, income is secondary, but, probably cheaper in the long run to borrow from a bank in your home country, exchange rates go up and down.
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Old 09-02-2016, 07:26 PM   #13 (permalink)
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Quote:
Originally Posted by Seekingasylum
If you are indeed a Thai
Wild swings in English ability from...


Quote:
Originally Posted by Tank Girl
What I haven't ever read about or heard about is about a Thai working abroad, and using their income earned outside of Thailand to get a mortgage with a Thai bank in Thailand on a property in Thailand, where naturally it might work out as a better value proposition. Has anyone ever heard of anything like this being possible or impossible?
To...

Quote:
Originally Posted by Tank Girl
Aye, she look good for 40 (but I think we have this advantage over farang women), petite dark-skinned southern Thai, I think he jealous of any man talk to her.
I noticed that also.

And really you'd think that a Thai person would be able to ask, oh I dunno, another Thai person - friends or family - about this or to investigate it on behalf.

I suspect we're in the presence of a bit of gender-bending trollin' hijinks.
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Old 13-02-2016, 07:02 PM   #14 (permalink)
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Quote:
Originally Posted by Seekingasylum View Post
If you are indeed a Thai and wish to borrow to fund a house/condo purchase then you will need to convince the bank that you have security of income and are prepared to pay a reasonable deposit. I'm not sure what you think is a good rate but the average mortgage rate is around 7%.

Bung in a reasonable wodge into a Thai bank account from which you can transfer monthly payments to the mortgagor and which you can replenish from the UK at your convenience thereby avoiding excessive fees. Online banking with Bangkok Bank, for example, can ensure a monthly transfer to the mortgagor will be achieved easily from the UK.

I can't see a problem here in principle but you would need to convince the mortgagor you are a good risk.
Thank you for your idea. I want to ask here because some people here might have some experience of this. I'm not from a rich family so I cannot ask my family in Thailand about this. They don't know about this kind of thing. Maybe someone here has done like this before.
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Old 13-02-2016, 07:03 PM   #15 (permalink)
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Originally Posted by jamescollister View Post
HSBC, allows foreign currency accounts and does mortgages, but, they will be secured against your income/assets in the west, so whether it's cost effective or not, I have no idea.

Bit like buying a car here, big enough deposit and you get finance, job, income is secondary, but, probably cheaper in the long run to borrow from a bank in your home country, exchange rates go up and down.
That's interesting, thank you James. Maybe they want you to have salary paid into HSBC only as the main bank account?
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Old 13-02-2016, 07:19 PM   #16 (permalink)
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Quote:
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Quote:
Originally Posted by Tank Girl
I guess it will mean having to make regular international transfers across to make it work
I will be brutally honest with you...Taking out a mortgage for a property in any foreign currency is a stupid idea. You're going to be ripped off every month with the banks exchange rates and hidden charges, on top of the interest. Find a fat guy, stay in and save your money
Quote:
Originally Posted by Tank Girl
some of us don't work in restaurants and hotels, and can maybe do something about it.
What do you do for a living, if you don't mind me asking ?
Thank you Dillinger. I get your point. My thought is that even with exchange and transfer costs, it could still be very cheap compared to UK.
From the HSBC idea, I saw this page:
https://www.expat.hsbc.com/1/2/hsbc-...ple-currencies
I see that I have to get paid something in Thai Baht directly every month from somewhere. This means I have to make some kind of business in Thailand. Then I need address there. My family does not have Nor Sor 4 Jor.

I already got a guy, and kids, but I think about my family in Thailand.
I work in a specialist kind of engineering company.
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Old 13-02-2016, 07:23 PM   #17 (permalink)
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Aye, she look good for 40 (but I think we have this advantage over farang women), petite dark-skinned southern Thai, I think he jealous of any man talk to her.
Or are YOU jealous you don't have a fat, rich farang on your arm?
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Old 13-02-2016, 07:32 PM   #18 (permalink)
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Aye, she look good for 40 (but I think we have this advantage over farang women), petite dark-skinned southern Thai, I think he jealous of any man talk to her.
Or are YOU jealous you don't have a fat, rich farang on your arm?
As opposed to...??
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Old 24-01-2017, 04:58 AM   #19 (permalink)
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I wouldn't bother . I had a holiday home in thailand for a number years , it was a royal
Pain in the arse ! Every time I'd go back to the thing it would be falling to bits !! The tropics really takes It's toll on a house ! You will spend a few weeks fixing the place back up . Not quite a holiday �� Not unless of course you have someone you can trust who will maintain it through the year (garden turns into a jungle very quickly) id strongly advise you to buy raw land until the time comes when you can live there longer term and build a house .
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Old 27-06-2017, 12:00 AM   #20 (permalink)
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For "Overherewa" I'm not farang looking for a holiday home for retire, I am looking for a place to look after my parents and to spend time. This is not for some remote village house, but a place in a more infrastructure place in southeast coast. A house in each country, just like you.

I decided to team up with two of my sisters, so I can help with the deposit, and they can help with the payments, and live in it, with our retired parents, so they can be look after. Another reason so I have somewhere to stay with kids and husband when we visit. I can't imagine living there long term, I get better pay and conditions in UK, and I reckon there are better places to retire.
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Old 27-06-2017, 01:39 AM   #21 (permalink)
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Save up for a couple of years and buy your sister timeshare villa outright.
All three of you could easily save up 30k each and buy your holiday home.
For 90k you could buy yourselves a nice little boudoir, could even rent it out and make money.
Get a bronze buffalo and place it beside the front oriental pond.
Don't forget your spirit house, preferably Scottish malt.
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Old 27-06-2017, 04:01 AM   #22 (permalink)
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Asking the brits anything expexting consise answers
is a waist of time. They R mostly drunk hillbillies with limited brainpower.
I recon your project will be around 1,5-2,5 mill bath.
As a Thai citizen with a decent foreign income and family in Thailand ,
you should be able to use the local Thai bank, save up a 30% down payment and pay the expected tea money to the bank manager.
You also have MBk finance as a possibility.
Some developer offers 3-5 year finance.
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