Reader question: Buying a house and covering myself in the event of a divorce or death

take a user contract you have to go to a lawyer with notary authority
definitely not setting up a business for your home often causes problems
hire a lawyer with demonstrable experience in these matters
and the lawyer must be nearby then he knows the local rules and custom

the costs are not too bad
and find the lawyer themselves and that he is on your side

If you want to invest such a large amount in the purchase of a home, but you doubt whether you are doing the right thing because of the thought of and the possibility of a possible divorce, I would not buy.
But your wife will understandably disagree. The question is whether that is necessary if you are the financing. Look, I have also been married to a Thai woman for many years, we once bought land and a house in Chiang Mai and an apartment in Bangkok for convenience/rental/investment. The money for both purchases was raised by me, but I did so completely compos mentis and with complete confidence. Also knowing that if I unexpectedly die due to illness or accident, my wife will be left uncared for, including the visa piggy bank and other bank assets.
Nevertheless, because of your question: find a good lawyer and record your intentions regarding purchase and payment, and what you want to happen if a divorce hits you and what to do in case of your death, but also that of your wife. For example: the right to be able to continue living for a certain period of time, among other things to see what you have to do. Your residence permit (marriage) will also change, and will have to be converted to, for example, retirement.
Also remember that if you as a home owner are not the owner of the land. If your wife dies, you have one year to sell and relocate the house. If that is not possible, the house will revert to the municipal government. It sells at a much lower price and after deducting costs, the rest is up to you. Provided you can be traced. Also remember that the house is easier to sell if the land is lease-free. You do this by buying a house on land that is also purchased in your wife's name, and not by buying/building a house on leased land. Many people take this lightly, but I don't like it.
Finally, remember that renting is a good option and alternative. Surroundings Chiang Mai are beautiful properties for rent. The more expensive the more secure your rental contract. The advantage is that you keep money in the bank that you can pass on to your wife in a will, which may also make/keep her satisfied.

A non-Thai cannot own real estate. In Thailand land is real estate and a house is not real estate. In the past, most houses were made of wood and could be dismantled and rebuilt elsewhere => movable property.

A non-Thai can own land through a Limited Company (Ltd.), lease it, or arrange a usufruct (สิทธิเก็บกิน). A Ltd. has the disadvantage that you own a maximum of 49% of the company and must be able to submit annual accounts. A lease contract can be concluded for a maximum period of 30 years, possibly with an option to extend a maximum of 2 times for another 30 years (90 years in total). Usufruct (สิทธิเก็บกิน) means that you get the lifetime usufruct of the land and, like the lease contract, is registered at the local land office (สำนักงานที่ดิน) at the chanot ( โฉนดที่ดิน).

A non-Thai can own a house, lease it or agree on a usufruct (สิทธิเก็บกิน).

Everything that is purchased during the legal marriage without a prenuptial agreement is joint property. In the absence of a will, the surviving partner is the legal heir. In contrast to the Netherlands, in Thailand you can also disinherit your partner and/or children by will.
If the surviving heir is non-Thai and has not sold the property (land) within one year, it can be auctioned by the government.
In case of (re)sale of land and/or house, the lease contract and usufruct rights remain in force.

Here are some links:
https://www.isaanlawyers.com/property-law/
https://thailawonline.com/en/
https://www.asiapropertyhq.com/buy-property-thailand/
https://help.fazwaz.com/en/collections/1729377-foreign-ownership

PS: I am warmly recommended for comments and additions.

Apart from what I read here, but a house costing 200000 Euro, which in Thaibath translates to around 7 million, is a lot of money for a house in Chiangmai. Unless it's a gigantic villa.
Because you are not sure about the situation with your Thai wife, otherwise you would not have asked this question, then I would look for a somewhat cheaper home.
There is plenty of choice in Chiangmai and beyond.

Jan Beute.

What I had understood from a Thai marriage is that your property (including money) before the marriage is not for both of you, so it remains yours. So is that of the woman.
Property acquired in marriage, money is then 50/50 divisible upon divorce.

Your pension is also yours before the marriage, so your wife has no right to claim it.

No idea what happens when you buy a property with YOUR money (after all, present before the marriage as being your money) and also put it in her name.
In her name then means that she has paid and is therefore hers.
Whether she has to show this to the court or not, I don't know and if you prove that you had the money (before the marriage) and it was bought with it, what will the court do?
You can use the usufruct to continue living there after your spouse has died. Otherwise you have a year to sell, after which it will be confiscated for sale and you will be on the street, as TheoB also writes.

For a Thai company to own land, it must be properly dammed by the Thai government. At least I got to read in TVF, which again gets its news from Bk post and Sanook and other sources.
A Thai company should really be active now and not dormant to own land.

Here is a link about a Dane and “his wife” and how he managed to win in a divorce.
He was not married to her! But there was some hassle with the divorce.

https://forum.thaivisa.com/topic/1170250-danish-man-wins-lawsuit-against-thai-wife-for-not-sharing-assets/?tab=comments#comment-15558837