TonyLeung

"I have not met ANY woman in Thailand, who was interested in a relationship with me, that did not expect or demand money."

Perhaps you should take a look in the mirror and try to figure out why this is.

So what are the things about Thailand that you don't like?

That's really not what this thread was supposed to be about .

Alas, poor Yorick ...

So this thread was just a place complain about all those people who are happier than you with their lifes? Haha

i think a property boom is very unlikely given the global economies current problems.

For those of you who aren't 100% happy in Thailand, what is it exactly that causes you discomfort?

If I ever met anyone anywhere in the world who is 100% happy I'd be very suspicious and ask probing questions about the substances they ingest.

Are you, as you infer, 100% happy in Thailand?

All places have warts, even Utopia must have a sewage disposal system. That we sometimes complain about the warts shows we care about the place. Some folks complain more than others, that's their perogative and if you don't like what you are reading don't read it. Some folks like to post deliberately inflammatory views just to start a p1ssing contest, that is their perogative amd if you don't like the way the thread is going just bow out.

So what are the things about Thailand that you don't like?

In my honest opinion, if you guys were to list the things you dislike about Thailand, it is more likely that your complaints are with yourself and your own short comings than they are with the country itself.

And like I said before, why bother complaining regardless?

For those of you who aren't 100% happy in Thailand, what is it exactly that causes you discomfort?

Sorry but it seems very obvious that those who aren't 100% happy here are jealous/envious/angry at those who are 100% happy. They insist on reminding us that "we've only been here for three years" "that we don't know the real Thailand".

Whereas those of us who are 100% happy just take pity on the unhappy farang.

Heng,

Of the Thais you know who financed a home or condo purchase, how many of them do you think went in over their head. How many of them took a fixed interest loan vs a sub-prime loan?

For Flat-rate Mortgage plans, the interest rate is 8%

I think the sub-prime loan would look good to many Thais.

Minimum Loan Rate ( MLR ) 6.875

There are two periods of mortgages: teaser period and floating period.

With a teaser period, the interest rate is set in advance, usually between one and three years. Normally, the interest rate of teaser period is lower than that of floating period.

A floating period is a variable interest rate, which changes in response to financial conditions. The bank's floating interest rate is at the same level as the MLR. When a teaser period term expires, the rate usually shifts to the Minimum Loan Rate (MLR) for the remainder of the loan period.

2. If I don’t have sufficient income, can I still get a mortgage?

Yes. You will need to have a guarantor for a loan or a co-borrower who meets the income requirements.

Here is what I see on Bangkok Banks website

"Loans to suit your needs

We offer flexible lending and refinancing options, combined with attractively low interest rates that start at 3.25% for the first year, credit lines of up to 90% of the property appraisal value, and flexible loan terms."

And

"You can now submit your loan application"

I hope they have been making sure these people weren't lying about their income!

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8. How long will it take for my loan to be approved?

It normally takes around 14 working days from submitting your loan application until you receive your loan.

before i was certain interest rates were coming, now not so sure. it might not be enough and the FED might let the markets play out which is recession time. nobody knows how bad this is going to get for the banks or the economy.

i wonder what kind of debt's the Thais are holding? If only they'd tell us?

i wouldn't buy thai bank stocks. i wouldn't trust anything these companies say.

I am undecided. Before, it seemed very likely the government would lower interest rates to help the banks but at this point that might be like throwing inflatable rafts to the sinking Titanic. If the FED feels it isn't enough, they may let the markets play their course and a recession might be unavoidable. I don't think anyone knows just how bad it is going to be, and the markets have gotten very pessimistic.

GS says it is limiting its exposure in Emerging Markets.

i see how the emerging markets going down to august levels.

I'm sorry I really, really cant help myself

Those from the US, who own property outside of the US, may soon be able to buy outright the ENTIRE freehold of the US, if of course they repatriate their funds. but the repatriated funds may be taxed to offset this, and fill someones pocket designer economics at play

then they will be reintroduced to property taxes. a nice 500k home in the usa might pay 15k a year in property tax.

looks like it is about to hit the fan in the USA.

well said. similarly, i can tell a scammer just by the way he walks, looks me in the eyes, the words he uses to talk to me, how he says it, etc

id be surprised if anything on soi taniya is better than the 5 star places you have posted pics from cork... but it is on the opposite side of silom road as soi sala dang.

i could be wrong, but i think they might have it at that plenchit soi 2 grocery store.

i think the difference is that while some people consider something a 'big negative' others just shrug their shoulders.

for example, of course i dislike pollution and heavy traffic, but i wouldn't start a thread on ThaiVisa complaining about it and i don't give it much thought.

it kind of gets on my nerves when i go into a store and ten people hover over me and point at each product.

there is a heavy import tax on electronics and overall lack of selection.

no butterfingers for sale anywhere in the country.

if i went back to the usa i could buy cheap electronics and butterfingers but then i would be complaining about the low quality of the sum tum.

no two places are the same, thats why they have different names.

fwiw, in three years, i have never had a problem with a taxi driver.

this should do wonders for drunk driving prevention!

Or where I can I find มะพร้าวขูดขาว?

Thanks.

I'd say that black folks in America get a better deal. Bling bling!

This joke went over my head. Huh?