tonray

Actually there may be prepayment penalties..but only during the teaser period after which you are free to refinance...but keeping in mind you may not get teaser rates for a refi. In theory, if real rates go down during the first 4 years then refinance may be worth doing, if not likely not going to keep getting new loans at teaser rates....also simply because Thai banks put a loan term limit on home loans, the length of the loan plus your age must not be over 60. So if you get a 20 year mortgage at age 40, then 4 years later you are likely only going to be approved for a 16 year loan. Each bank is a bit different too....we looked at pretty much all and the best deal at the time was Thanachart (now TTB)...but some loans were very different from the others.

There will be an amort schedule. It's no different from a rate adjustable mortgage anywhere else. GF has teaser rate for 4 years then increases...but everything is outlined in schedule as to portion of interest and principal each pmt.

Basically you are doing more work than getting a 12 month statement

Nonsense....I got mine back minus a 500 baht per AC cleaning fee. (1000 baht total deducted)

Not worth it. On an OA extension good until October 2022...then will need to do something to prevent being crushed by insurance nonsense and whatever else they dump on OA holders. Enough allready....

Your friend as an American is eleigible to enter as "Visa exempt" . She does not need to apply for a tourist visa but must complete the requirements of the Thailand Pass system.

You think he was framed.. A set up?

I'm just confused as to why he came here instead of dating one of the Kardashian sisters.

I have been here more than 6 years....that's the norm with Thai businesses not the exception. Although I must say I have had very good email response from Bangkok Bank myself.

If your account shows in Social Security account site...it has been done.

Stop worrying...you first check is not due until January....so you need to be patient

You can't make this stuff up folks....

Perfect for unruly student protesters in Bangkok ?

the prize for most puzzling post of the day

Yet this guy gets off without so much as a warning

Another lesson : always count your money when leaving the bank...you simply cannot trust these tellers to give you the right amount

You need to get rid of the conspiracy theory mindset about vaccines first. Become part of responsible society and again opportunities will open up. Unvaccinated people will not have the same opportunities...forget teaching in Thai schools, degree or not. I have had two shots and outside of the hoped for Covid immunity I'm not dead...get with the program

Understood...but please don't take this the wrong way..but if you want to better your future and take care of your family and their future....get done what needs to be done, graduate, get a diploma and many more options will be open to you. If you were a single, unattached guy, I'd say throw your hat in the ring and let the chips fall as you try to hit the jackpot but it sounds like you have others to take care of and that is why you need to put your dreams off for now and get some real concrete plans in place.

I am concerned about the 'suicidal' comment. Please don't do anything rash. As Dr. Jack stated you likely do not have an immediate issue...the bigger concern is your longer term planning. Without a valid reason to stay, eventually your border run plans will not work in your goal of building a future for your family. What about trying to find meaningful work with a proper work permit which would allow you to stay on legally without the hurdles ? I know you don't want to sacrifice your online freelance dreams but building a family and a future for them is all about sacrifice not immediate gratification of what you might want. Good luck to you.

I'm quite thankful that "guitar geek" is still accepted in Thailand or I'd have to go. Good luck.

Is your ham radio stuff the only concern you have with living in Laos ? if everything else seems good...why change your life for a hobby...unless of course the hobby has become your only activity in life and defines you.

don't forget Duke, Earl, and Countess

Big-C first on the bandwagon

2 months