Mortgages ikozvino zvakare kune farang!
Bhara rinopedzisira rapfuura nechechi, kunyange ndisati ndanyatsofara. Vanga vachishoropodza mutemo usina kururama wekuti mafarangs haakwanise kuwana zvikwereti kwemakore, uye vakatumira maemail akasiyana kuhurumende nemabhanga.
Ndaigaroudzwa kuti vanhu vekune dzimwe nyika havabvumidzwe kuva neminda, zvino ndinotoshaya kuti ivava here. Mazana ezviuru zvemafarang ane dzimba mukambani zviri pamutemo. Ini zvakare ndine 100% yevhu rangu uye migove yangu kuburikidza nekuvaka kuendesa migove uye ndiri ndega director uye ndine mvumo yekusaina kuburikidza nemugove wekuda. Izvi zvinoreva kuti vhoti yangu inosvika gumi, saka hapana anogona kundikurira mumusangano wevaridzi vekambani yangu. Pamberi pemakore matatu apfuura vaifanira kuva ne3 Thai shareholders, asi ikozvino kune 6 chete, saka chero zvavanosarudza ne2% yavo inogara iri 51-10 kwandiri. Chero gweta rakanaka richaonawo kuti farang director akachengeteka kubva mukupidigurwa nevashandi vake nekusainwa kuchinjisa mugove, waunofanirwa kuchengeta nechanud yako (yellow title deed) munzvimbo yakachengeteka zviri nani kunze kwemba.
Ndokukumbira mabhanga kuti ape zvikwereti kumafarang pane condo inogona kutengwa nemazita. Handina kumbowana mhinduro kune izvozvo, nekuti zviri pachena kuti izvo zvaive zvakaoma kupindura. Akakumbirawo maembassy kuti aite chimwe chinhu pamusoro peizvi pachiyero cheEU nokuti iyi irusarura rwakachena, nokuti muThai muNetherlands ane kodzero dzakafanana nesu. Pano isu hatina kodzero munzvimbo dzakawanda, uye nhasi tine hurukuro nemumwe munhu akasungwa zvisina kururama muchitokisi cheThai kwemwedzi mishanu pasina chero nzira yekutongwa kana mhosva. Munhu wemunyika akabviswawo pano kare, anga atova nemwedzi misere arimo asina mhosva uye pasina chero nzira yekutongwa kana mhosva. Izvo zvinogoneka kana iwe uchingobhadhara, asi izvi zvakanyanya kupenga kuti umhanye.
Bhanga reHSBC, rimwe remabhanga makuru pasi rose, riri kuda kupa zvikwereti zvemba zvemakore anosvika makumi maviri kune vari kunze kwenyika, asi izvi zvinofanirwa kubhadharwa vasati vasvitsa makore makumi matanhatu nemashanu. Pamusoro pezvo, izvo zvinodikanwa zvemuhoro zvakanyanyisa uye hapana imwe nzira yeExpats yedu, asi kune vadiki farangs vanoshanda pano kune akawanda kana makambani makuru. Asi ini ndazopedzisira ndawana sangano rezvemari rinoona chingwa chekubhadhara Farangs real estate, asi inosvika pamakumi mashanu muzana eiyo kukosha kweiyo appraisal. Mari yemubereko inonzwisisika uye parizvino iri 20% pagore, asi inochinja uye ndinofunga ichadzikira zvishoma nekuti gurukota rezvemari reThai rakadzikisa mubereko nechikamu chechina muzana svondo rapfuura.
Ini ndinotaura kune vazhinji vakabatwa nevanokwereta vanobhadharisa zvikamu zve1,5 kusvika kunyange 5% uye zvakanyanya pamwedzi. Ini ndoziva akati wandei maThais asiwo maFarangs asingambobhadhara uye haakwanise kubhadhara mubereko. Varume ava vanobata zvitunha uye vaviri vavanozivana navo vakaurayiwa, uye mumwe akabatwa senhapwa uye akapambwa kwenguva yakareba. Mbereko inopfuura 1.5% pamwedzi kana 18% pagore haisi pamutemo, uye inorangwa kana mukweretesi akabatwa. Asi vane mari ava vanewo macontacts avo uye zvinonetsa kuisa munwe pane izvi. Wakambosangana nechiitiko chavakangoerekana vasvika ne3 pane chibvumirano, uye nyaya yacho yakapera nefizzle zvakare. Pamusoro pezvo, kukwereta mari inodhura kunodhura, nekuti mukweretesi anoda 100% kuvharwa uye kutanga aendesa kondomu kana imba kuzita rake, uye kana zvese zvabhadharwa, kumwe kuchinjisa kunofanirwa kuitwa, zvese nemutengo weanokwereta. Pamusoro pezvo, panowanzova nemurevereri anobatanidzwa, pamwe negweta rinodawo komisheni uye chikamu chekugadzira kondirakiti.
Muchidimbu, farang vanofarira vanogona kundibata ne-e-mail pazasi, mushure mezvo ini ndinogona kupa zano rekuita. Ini ipapo ndinofanira kuziva mutengo wekutenga uye nzvimbo yecondo kana imba uye ivhu.
Mabhuku emahara
Panguva yandakagamuchira zviuru zvemabhuku echiDutch kubva kune mumwe munhu wandaigara naye kumisha yevana, asi hakuna vana vechiDutch pano, uye imba yangu neimba yevaenzi zvinoda nzvimbo yakawanda uye ani naani anofarira mabhuku aya anogona kuatora mahara. Muripo mudiki mubhokisi rangu rerudo unogamuchirwa, nekuti musi waChikumi 19 ndiwo zvakare muripo wechikoro wenherera nevana vangu vekurera, kana muripo wemabhuku nembatya dzechikoro. Nditumire email kana kufonera 08-12907310
Colin de Young
1337 sevhisi nhamba Pattaya.
Email; [email inodzivirirwa]
Nekuda kuziva, ndakabvunza makore maviri apfuura kana ndaigona kuwana chikwereti kubva kubhangi rangu reSCB. Mumwe maneja akauyiswa wandakataura naye.
Haringavi dambudziko. Ndakatora kadhi rake uye imwe nhamba yefoni kubva kwaari mushure. Handina kutora chikwereti.
Uri kushaya njere here, kana kuti uku ndiko kutengesa?
Unonyora:
“Ndaigara ndichiudzwa kuti vanhu vekune dzimwe nyika havabvumidzwe kuva neminda, zvino ndinotoshaya kuti ivava here. Mazana ezviuru zvemafarang ane dzimba mukambani zviri pamutemo. Ini zvakare ndine 100% yevhu rangu uye migove yangu, kuburikidza nekuvaka kuendesa migove"
Izvi zvinofamba zvakanaka chero hurumende yeThai isingade kutora "Nyika Yako".
Hurumende yeDutch inonyevera pamusoro pemaitiro akadaro.
Kana hurumende yeThai ikatanga kuita zvinoenderana nemutemo weThai, "Nyika yako" ichatorerwa kubva kwauri.
Imba mukambani inongori pamutemo kana kambani iri kushanda uye ichiita purofiti.
Hurukuro yako yakafanana neye "mabhuroka" anoda kutengesa.
Ini handina ruzivo rwakawanda rwekutenga ivhu muThailand, asi kana iwe uchitoda kuve neakawanda talangwah, saka iwe sezviri pachena unofanirwa kuzviita kuburikidza nekuvaka kwakanyanya kuoma pane kungotenga chibvumirano.
Ngatiisei zvinhu mumutsara: Kambani inodiwa, iwe unofanirwa kupa yaunoda kugovera, iwe uri 100% muridzi wega, asi iwe unoda vagoveri veThai, vane 51% yezvikamu, unofanirwa kuve nechokwadi chekuti vhoti iri. nokuda kwako, uye kukuchengetedza kubva pakuvhozhokera, uye pamusoro pazvo zvose, sesefa kunze kwemba. Zvakanaka, rabhoti dzvuku rakakura kwazvo rinouya kwandiri. Ndinoda chikamu chevhu chine imba nebindu, asi kana ndichifanira kutarisa pamusoro pepfudzi rangu, usambonetseka. Iwe hauzive kuti vangani vanhu vangafunga kuti kuchengetedza kwangu kunochengetwa mumba mushure mezvose.
Nezvekutenga imba kana condo: pane "kupokana" munyaya yekuti kutora chikwereti chemari (ye50% yehuwandu hwekuongororwa, kwete yemutengo weimba), inobvisa rusarura mukuenzanisa neDutch mamiriro. . Iyo Netherlands neEU hazvina kana chekuita nechero Thai kana South Asia maitiro mune iyi nyaya. Hazvina kufanana nezvimwe zvinhu zvakawanda. Hapana embassy inoita chero chinhu pamusoro pazvo. Uye ivo zvirokwazvo havazodi izvozvo kwenguva yakareba. Chese chinongedzo chakashata. Kana iwe uchida kutenga real estate, unozviita pasi pemutemo weThai.
Pamusoro pezvo, hazvina chokwadi kana muThai muNetherlands aine kodzero dzakafanana. Izvo hazvisi pachena, nemamwe mazwi: anofanira kuita zvakawanda kune izvo!
Zvinoshamisa zvakare kuti icho chinyorwa chinotaura nezve loansharks. (Kana iwe usingakwanisi kuchengeta bhurugwa rako pachako muThailand, uye iwe uchitendeukira kune miitiro ine mumvuri, ipapo iwe unomhanya nemaune-akatanga njodzi yekunyadziswa.) Kunze kwemitengo yakakwira yemubereko, rega kuti kubhadhara kunogoneka munharaunda iyoyo yematsotsi. , iwe unofanirwawo kungwarira chitsotsi, kuba, kupamba, kutora nhapwa uye kunyange kuponda. Zvakafanana nemazuva ese TV sipo opera pano.
Chinhu chakanaka kuti pane zvakaomesesa mari inodiwa, mapfupi mazwi uye miganhu yezera. Uye vadiki farangs, vachishanda kune vemarudzi akawanda, vanokwenya misoro yavo kaviri kana kupfuura. Zvikasadaro ingoshanda nesimba uye chengetedza. Amai vangu vaingodarowo.
Pakupedzisira, nyaya yacho ine tariro zvikuru uye haina maturo. Icho chokwadi chekuti sangano rezvemari (ndeipi?) inoona purofiti mairi haisi vimbiso (kuvimbika?). Ngatitii chinangwa chakanaka, asi kutengeserana kwemari kune dzimwe nyika kunosanganisira zvinopfuura mutsa.
Chinyorwa chinonakidza kwazvo naColin de Jong. Inomutsa maitiro akawanda anotonakidza.
Kana farang achifanira kuzvidzikisa kune loanshark, yave nguva yekuti aende kumba.
Kune akawanda madiki mafarang anoshandira makambani emarudzi akawanda. Vazhinji vavo vakadzidza zvikuru, vane pfungwa dzakafaranuka, asi kwete vasiri venyika. Funga kuti kune vashoma vanoda chaizvo kutenga nzvimbo muchimiro cheimba ine ivhu. Kuroja kwakachipa uye unodzivirirwa zviri nani. Kunze kwekunge varoorana, tanga mhuri uye hongu ipapo nhamo pamusoro pekodzero dzepfuma inotanga. (Kutenga kondomu ndeimwe musoro). MuEurope kune chinhu chakadai sekambani yepatrimonial, muThailand izvi zvakare zvinogoneka. Kunyange kurongeka zvakanaka. Zvinongokutorera imwe mari yekutonga, magweta, zviitwa, dudziro uye mamwe echikwata chikamu chavo. Uye hongu, zviokomuhomwe zvakare, hongu. Munhu wese anofanira kurarama…Kuwedzera kushushikana uku kwemudziyo mumwe kunokwana kuti vanhu vakawanda vasazviite, uye kungorenda. Kana kuti tenga muzita remukadzi/murume wako, uye gwaro redziviriro mune yako yakaparadzana (yebhangi) vault.
Kune mahofisi uko zvese zvakarongerwa iwe. Zvese zviri mupasuru, kambani, zvivakwa, inishuwarenzi, kunyangwe visa uye rezinesi rekutyaira, chero chaunoda. Izvo zvinofamba zvakanaka kusvika chimwe chinhu chaitika, moto, tsaona nemushandi payadhi yako, iwe woda kuitengesa, kurambana, unoitumidza. Pano zvakare, nhamo inotanga. Muzviitiko izvozvo chete ndipo paunosvika pakuziva iyo Thai yemutemo system, uye izvo hazvisi maererano nemutemo weEuropean, kana Code Napoleon.
Tichifungidzira kuti zvikwereti zvinogoneka zveThai, asi kwete zveFarang, uye kuti izvi zvine rusarura: chokwadi. Ndiwo manzwiro azvinoita. Asi semushandi ane makore makumi mana okukura akarambana muFrance, hauzowana remba pasina yako capital, rubatso kana guarantor. MuEurope neAsia, bhangi rinoritarisa kubva pamaonero ebhizinesi: richawana marii, uye richawana zvakakwana kana akafa mangwana kana kuti akasabhadhara chikwereti chake.
Uyezve, ndinobvumirana naKhunRudolf "asi kune zvakawanda zvekutengeserana kwemari kunze kwenyika pane mutsa".
Icho chokwadi chekuti bhangi reThai harisi kukweretesa farang inotoratidza kuti bhangi pacharo harina chivimbo chakanyanya mukuvaka kwevaridzi.
Bhengi harina basa zvachose kuti mari yacho yakapihwa muThai kana Farang. Vanongofunga kuti vozoidzosa here uye kuti nyaya yacho yakamira sei, kureva kuti vangatora rubatso here. Ndokusaka iwe usingakwanise kutora chikwereti chemba muThailand muNetherlands, nekuda kwekuti bhangi harigone kuitengesa kana ukatadza.
Iwe fungawo zvinotevera. Kune nyaya dzisingaperi dzevaFarang vanofungira zvisizvo hupenyu muThailand uye vanodzokera vasina mari zvachose kumusha kwavo uye vachiri kudzokera kubasa ikoko. Kana iwe, sebhangi, wakapa chikwereti kwairi, uye imba inotengeswa nekurasikirwa, saka sebhangi iwe unogona zvichida kuridza mari yako kana farang yadzokera kunyika yayo. A farang saka injodzi huru yebhangi.
Nyaya yacho inowanzosiyana kune wechidiki farang anoshandira nyika dzakawanda muThailand. Makambani mazhinji anozokupa chibvumirano che expat. Izvi zvinoreva kuti waunoshandira anobhadhara rendi yako, anotarisira vhiza yako, unowana mota yekurenda, inishuwarenzi, nezvimwe. Iwe uchagashira mambure muhoro uye mutero kubhadhara, nezvimwewo zvicharongwawo nemushandirwi wako. Zvinozosiyana kubva kukambani kuenda kune imwe kambani, asi ndozvazvagara zviri kwandiri. Chinhu chekupedzisira chaunoda kuita kutora chikwereti chemba, zvese zvakatorongwa zvakadaro. Uye pane nguva dzose mukana wekuti iwe unofanirwa kurongedza zvinhu zvako kune imwe nzvimbo yenyika, saka iwe hausi kuda kunyanya kunamatira munzvimbo imwechete.