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PROPERTY REPORT: Property firms prepare for year of hot competition


It is a good time to buy property in Thailand. Banks are lending to Thais & property prices are GOOD. Thailand SET index has also been dropping as foreign investment is tending to shift to other countries. The situation with The Baht, is better than in the West due to Thailand keeping foreigners out from speculating. This means foreigners cannot buy land and escalate the prices like in the West where properties have gone well out of proportion on the 3:1 ration of payments to salaries. This has in fact kept properties in Thailand to a subsistence level and allows people to buy at reasonable prices apart from overseas companies speculating on land developments for condos with thai partners. Condos are the same and we will soon have reports on Pattaya, Phuket and Bangkok, Chiangmai for you..

.LAND AREAS: 1 rai = 4 ngarn = 400 wah2 = 1600 m2; 1 talang wah = wah2 = 4 m2; 1 acre = 2.53 rai & 1 ha = 6.25 rai 
To date foreigners may own

  - a unit in a registered Condominium

  - a building (as distinct from its land)

  - a registered leasehold of up to 30 years for all types of titled land (and/or buildings).

  - a company can purchase land and buildings only.

  - more than 49% of a condominium unless in Company form.If BOI status different

 - foreigners can own land being not over 49% in a proper Business orientated company but cannot secure a mortgage. Under BOI can buy.

  - if you invest 40m baht you can buy 1 Rai of land in Thailand outright

A 30-year lease can be a good idea with right to renewal to a freehold purchase, or a Thai company (7 PARTNERS) can be established with Thai majority shareholders. Foreigners only own 49% shares in a company but there are restrictions and rules to this as you must have a business running and audited. The other way is to lease for 30 years with R of R or to use an Usufract or superficies to assist you. We can assist you to make sure your company is safeguarded. Remember if you need advice ask us.


We receive our commissions off the seller or landlord and no added charges are imposed on you the buyer or renter. What we make sure is you get a professional service with no hidden costs, plus we help you with your lease agreements and oversee everything you need. You may have a Thai friend who says they can get you a better deal. Unbeknown to you they may be getting a commission or scheme --can you read Thai??. Using our services we guarantee that the lease and selling documents are in order as we have our own Barrister at Law. Please do not ask us for mortgages as we cannot help.WE ARE BOTH FOREIGN AND THAI OWNERSHIP


Bangkok Bank lends money to foreigners for mortgages on Property in Thailand

Top News: PP party may cull the Business Act changes to allow foreigners to buy in Thailand


Bangkok Bank is the first bank in Thailand to provide home loans to non-residents. We understand the regulatory requirements and can help you finance your property purchase. Talk to one of our staff about your dream home! Bangkok Bank offers a range of loan options tailored to meet your needs. We offer flexible lending and attractively low interest ratesorrow up to 70% of the condominium’s appraised value or up to US$800,000

  • Loans can be denominated in one of four currencies – US Dollars, Singaporean Dollars, Euros and Japanese Yen
  • Repayment term up to 20 years
  • Competitive interest rate options available
  • Loan approval within two weeks of application


The processing fee for this loan is USD 1,750 or equivalent. USD 150 or equivalent of this fee is payable upon submitting the loan request, and the final portion of the fee USD 1,600 or equivalent is payable upon signing contract.

All other expenses such as legal, mortgage costs, valuation fee and fire insurance premium shall be borne by the borrower.


 Country Codes

Applying for a Home Loan:
Foreigners who wish to purchase condominium in Thailand can now get assistance from Bangkok Bank, the first Thai bank to provide home loans to non-residents. Whether you want to be in the heart of the city or out in the provinces, we can help you become a homeowner. Simply walk into any one of the following Bangkok Bank branches and talk to one of our Home Loan staff about owning condominium in Thailand.

  • Head Office Branch on Silom Road Tel. 0-2626-3084,
    0-2230-1724, 0-2230-1036
  • Bukkhalo Branch Tel. 0-2468-3485
  • Chaeng Watthana Road Branch Tel. 0-2962-2518
  • Ratchathewi Branch Tel. 0-2216-1577
  • Bang Kapi Branch Tel. 0-2252-2888
  • Emporium Branch Tel. 0-2664-9291
  • Siam Square Branch Tel. 0-2251-8546
Singapore Branch Tel. (65)-6410-0406
E-mail Address:


Take the following documents with you when you apply for a loan at the branch.
1.  Completed Mortgage Loan Application Form
2.  Copy of I.D. card (front and back) / passport (essential pages)
3.  Signed copy of your Sales & Purchase Agreement or Reserve Agreement
4.  A reference letter from your existing bank, addressed to Bangkok Bank Public Co Ltd confirming your relationship with the bank, type of account you hold and the value of any loans or deposits you hold with the bank.
5.  Your last six months worth of bank statements
6.  A Credit Bureau Report from your country of residence
7.  For employees: A letter from your employer, addressed to Bangkok Bank Public Co Ltd confirming your employment position, the number of years you have been employed and your salary, your last two years’ of Income Tax Returns and the last six months’ worth of computerized pay-slips
8.  For Self-Employed individuals: The Balance Sheet Profit & Loss Statements from the last two years
9.  Others documents upon request

-  Approval of a loan is subject to the evaluation of an applicant’s financial standing, repayment ability and at the bank’s discretion.
-  The terms listed above are subject to change without prior notice.





The new 2008 PP Party is looking to stimulate foreign investment and allow foreigners more access to borrowing as well as the proposed revised Business Act will not no go ahead!!!.

Thailand is relatively safe and has all the amenities that a pensioner or foreigner could want. It has many hospitals and clinics, first class optical and dentistry services not inflated l;ike the west; and maid service is within easy reach and cost. It has excellent food, climate year round and the transport services will not break your bank account and are excellent whatever one wishes to travel on. In fact it has lovely people, no attitudes and a well organised cultural system that we can only envy as many in the west are slowly disintegrating. The Thais look after their people which is a far cry from many westerners who put their old folk in homes to spend their last days so they can make more money. The choice is yours but even with websites remember we have been around on the web now for just over 10 years and we also own excellent real websites: &

We have English speaking Lawyers all over Thailand

Just click on the banner below:


Thailand has so many different types of properties for sale that whatever your dream home is, you can realize it here if you do the paperwork right. Prices are a lot cheaper than Western houses but some aspects need close scrutiny especially wiring, water & most importantly the deed title & the builders themselves. Remember there are no rules in Thailand and many builders are handymen and the building industry is not regulated so be careful when choosing the builders. Now that you want to buy a house what should you look for? 

The first thing you need to do is obtain the services of a reputable real estate agent or lawyer on your behalf. ( Try us as we are upfront on everything including after service support and we are experienced builders.) Thailand Realty Industry is not regulated so watch out for agents forcing you to sign contracts, & check the title deed to make sure the property is what it says. Do yourself a big favour and obtain a House Inspection report which in effect pulls the holes out of the property if you intend to buy an existing building or in a new development block. So many foreigners have been hit by bad contracts, workmanship or not had the balance of work completed after giving the last payment to the developer.! Some buyers have bought the house only to find the land is on a different title & visa versa or the cracks have been disguised or the contract is not what it says. Once you buy then its you now confront a headache. Many Moo Baan Developer Estates will try to sell a house in a developing block which has but one title with say 10-20 houses on it. They probably have 2 mortgages and want to unload the houses before they pay off the loan & secure the titles for their owners. Or will they???--- we just had a case in May 2002 saving the foreign buyer 2.8m baht that he would have lost if he did not use our service. The same goes with the boundaries of the property which need to be the same as the title deed. In Thailand there's no survey pegs as such but it is an important point. Sometimes vendors deliberately understate property area or move so called concrete pegs. If the  building is under construction or the land is having a subdivision look carefully at the provisions for issuing a title, and easement rights and if at all it has consent. You may be in for a problem or two.



1/. Never pay deposit or booking fee over the Internet. See what you buy first

2/. Look at progress payment reports when, & how much

3/. Check the builder before you sign

4/. Talk to neighbours & others about the Moo Baan or buildings.

5/. Have a person on site to inspect interim work for you

6/. Do not be bullied into progress payments before work completed. If so then some middle man is getting his cut.

7/. When in doubt ask. Seek advice



A foreigner can ONLY own a condo in his/her name. You cannot own a house and land in your name unless you invest 40m baht  = 1 Rai of land. Bank's do not lend to foreigners; only Thais or Companies. We can not assist you with any mortgages so please ask your Bank.

Just a note about buying Condos. ---Find out what the monthly maintenance costs are from the managers. Get it in writing. Avoid unfinished projects as they may run out of money or be over mortgaged. If very few condos have been sold in a building with good amenities like landscaped grounds, security Guards and a receptionist and office have the title searched but most of all someone has to pay for all this, plus the electricity for lighting and lifts. The total cost (often inflated) has to be divided up among the condo owners, which can be a lot if only a few units have been sold. Ask for an exact statement of maintenance costs and how they are paid. If the project has different size condos in the same building, large units will pay more towards maintenance costs than small units. If you are a legal resident you can obtain a mortgage but you need to check with your bank and credit. The best idea though is pay cash as you can negotiate. In Bangkok look at around 48,000 -100,000 baht per sq m. A foreigner can only buy max 40% of a condo unit so if that 40% has been taken up and you are the 42% person you may find you are buying a lemon so to speak. If the developer owns a majority of units you may not like his manager but if the owners have majority votes than they can remove him. Check title before you buy --maintenance clauses --- and payment funds as well as 49/51% ownership on titles in the condo. Check rubbish, security, office staff, cleanliness, maintenance before you buy etc.

The Condominium Act has recently been amended. Now 49% of units in all condominiums and  100% of units in condominiums in a total development area under 5 rai located in Bangkok, all municipal districts and such other areas as shall hereafter be announced by the Minister of the Interior (which is expected to include rural Phuket) can be foreign owned, provided that the funds for the purchase have been remitted from aboard (which is the already the norm).


Are normally levied on the seller rated at between 3 & 5% of the asking price. Some agents are known to charge a commission from both the buyer and seller. Due to the unregulated realty industry you must use discretion when buying off any agent or person. If they say the price of a house does not include their commission, chances are this company is getting a cut both ends. Our company levies a commission solely on the "seller" & makes sure the person buying is getting the best deal for their money. Our charges 5% for businesses & 3% for land & buildings.


If you want to make sure your house is safe and has what it should have & hasn't had recent false renovations, hidden maintenance, then we also conduct a professional onsite inspection house appraisal of the home you want to buy or sell. This inspection is over and above your title search but compliments the title search as we work in with our own lawyer.  This 5-8 page onsite inspection report covers everything from electricity, inside and outside structures, water supply, plumbing, and general condition of your house & land, elevation etc in a check list report. Added to this we give you the buyer, a full written maintenance report plus our suggestions and recommendations all in English. We even oversee the recommendations on your behalf.  Cost for this Inspection ranges from  5000 baht for new houses under 2 years old to 6000 baht for a standard 4-6 bedroom older house, condos 5000 baht as we look at the entire building ( This does not including away travelling expenses). Structural reports 5000 baht additional. We do not conduct land area searches as survey pegs are not shown. For this you need a surveyor which we can obtain for you.  Other buildings like Commercial properties we can quote you. PLAY IT SAFE-- WHY HAVE A HOUSE THAT WILL NOT LAST!!!!!! As of May 2002 we have managed to assist foreign clients before they buy with the knowledge that the seller will initiate our recommendations & saved money for our clients. 




  • We work for you (Both Thai & foreign consultants )
  • No hidden charges-everything is up front.
  • Guaranteed conveyancy help &  Company, work permit & land  setup for foreigners
  • We will sell your Commercial property, houses, businesses, bars and Guest Houses
  • Because you have the benefit of foreign help with our Thai lawyers and expat consultants
  • We offer: Full house onsite appraisals. Cost is 5000 baht for a house under 2 years old & 6000 baht for older houses ( plus travel if out of town ). This 5-6 page report is a must if you want to know what your house is really like which includes pics of repair work needed and we even do a air con survey (extra).

If you have a property to rent, sell or lease in Thailand then WRITE TO US as we can advertise for you in our hardcopy news in  Chiangmai . 


[ THAI LAW HELP SERVICE ]:  We have many more properties. Just ask us. Let us broker your business or property. If we don't sell we don't charge you.  Selling or wanting to Buy a Guest House, Restaurant, Business, Bar or Office then just ask us. We do not charge you to find your business. We even guide you to the best deal & help you form a company, partnership, year visa, agreements, leases, accounting services, taxation etc right to offering you FREE hardcopy promotions if you use our services. We offer what no other Thai company can do: FREE hardcopy advertising promotions. 

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N.B. Complete law services via our NEW Thai Lawyer partner . (re: Alien Business Law: NEC Announcement 281 Cat A prohibited to foreigners). However under the terms of our  Company License Asia Trading Post (Co Ltd)  provide : 1. Cat 34 lawyer services  &2.  Cat 35.consultancy services.

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