46 minutes ago, ronnie50 said:

But who guaranteed the mortgage? Did you sign (I guess not)?

Nope, I wasn't involved with the mortgage in any way, except to sign a 'not my house' form at the land office.

2 hours ago, patman30 said:

you simply rent it from the wife for 30 years (on paper)
all done at the land office
with rent paid up in advance (on paper)
so you are the legal tenant for the next 30 years

The lease price or rental price must be considered a reasonable rent or the land office will refuse registration of the lease agreement

https://www.samuiforsale.com/lease-law/lease-agreement-and-payment-of-rent.html

-- and can be kicked out any time she wants for non-payment of rent.

Edited 15 hours ago15 hr by JerryM

16 hours ago, spidermike007 said:

The real question for a lot of us is who makes these decisions, and do we have a choice? Of course we do. We always have a choice.

HEY hey hey ... don't you dare steal my tagline ... 😄

... Live with your choices

32 minutes ago, KhunLA said:

HEY hey hey ... don't you dare steal my tagline ... 😄

... Live with your choices

Some of us choose French wine and cheese served on toothpicks ...........

1 minute ago, BritManToo said:

Some of us choose French wine and cheese served on toothpicks ...........

French wine ... Holy Buddha, you are rich. I can barely afford the cheese, and it's leftovers for brekkie.

No 10M baht pool villa illegally purchased, I'm surprise 😄

On 8/11/2026 at 8:51 AM, spidermike007 said:

A foreigner should be allowed to own one home and up to two rai of land.

100% agree, once they have permanent residency.

3 hours ago, patman30 said:

For the comments on having a house in the Wife's name
If you are concerned of future issues
you simply rent it from the wife for 30 years (on paper)
all done at the land office
with rent paid up in advance (on paper)
so you are the legal tenant for the next 30 years

Be better to setup a usefruct.

16 hours ago, KhunLA said:

It has made total sense for me, and saved me about 4.5M THB over 25 yrs living here. And it literally cost me nothing, as the wife is sitting on the same amount of equity as the money we spent during that time.

That equals about 15k extra pocket money every month, in our pocket, instead of a landlord, not to mention, the 3M equity she has.

Makes a lot of sense to me, along with living in custom made house, just for us. 2nd one was 400+m² under roof with a small pool.

You didn't factor in the purchase price, and the equity is worthless until you sell.

21 minutes ago, KhunLA said:

French wine ... Holy Buddha, you are rich. I can barely afford the cheese, and it's leftovers for brekkie.

You could afford it, if you rented, and didn't tie your money up in a worthless Thai property in Issan, that's not even in your own name. 😂

Now, what is your plan, should your wife pass away before you?

Yeah, yeah, I know, she's 20 years young and that will never happen, and her family loves you. 😂

On 8/11/2026 at 8:59 AM, Kerryd said:

Imagine if you go into a shop on a Sunday and buy a beer and when you step out of the shop the police arrest YOU because there is a ban on alcohol sales that day.
But they don't even look at the shop owner that sold you the beer and should have known they weren't allowed to.

Might get into the drug trade with rules like that!

8 minutes ago, KhunHeineken said:

You could afford it, if you rented, and didn't tie your money up in a worthless Thai property in Issan, that's not even in your own name. 😂

Now, what is your plan, should your wife pass away before you?

Yeah, yeah, I know, she's 20 years young and that will never happen, and her family loves you. 😂

Dunno about KhunLA but,

Under Thai law (no will), I inherit 50%, and my son gets 50%

Not that I'm bothered about any of it, and would be happy enough to just walk away.

Edited 14 hours ago14 hr by BritManToo

3 hours ago, patman30 said:

For the comments on having a house in the Wife's name
If you are concerned of future issues
you simply rent it from the wife for 30 years (on paper)
all done at the land office
with rent paid up in advance (on paper)
so you are the legal tenant for the next 30 years

This provides no protection as any contract between husband and wife can be cancelled at any time unilaterally by either party even if it is registered at the land office.

(As per article 1469 of the CCC)

Due to some legal quirk, which I as a non lawyer do not fully comprehend, Usufructs are excluded from this provision and are not able to be cancelled unilaterally, provided that they have been registered at the land office.

4 minutes ago, terryq said:

Due to some legal quirk, which I as a non lawyer do not fully comprehend, Usufructs are excluded from this provision and are not able to be cancelled unilaterally, provided that they have been registered at the land office.

Think again, usufruct between spouses also can be cancelled.

1 minute ago, CallumWK said:

Think again, usufruct between spouses also can be cancelled.

Agree, an sufruct made with your wife can be unilaterally cancelled by your wife.

Best to make such an agreement with a person with whom you are not having sex.

24 minutes ago, KhunHeineken said:

You could afford it, if you rented, and didn't tie your money up in a worthless Thai property in Issan, that's not even in your own name. 😂

Now, what is your plan, should your wife pass away before you?

Yeah, yeah, I know, she's 20 years young and that will never happen, and her family loves you. 😂

Will is already made out, and all goes to our daughter.

And the equity in just the house, not counting the land lots, is the money that was spent. Your reading comprehension really sucks.

When I state I lived here rent free, that also means, still have 100% of any money spent on housing. That ~4.5M went in our pocket, not any landlords.

Edited 13 hours ago13 hr by KhunLA

12 minutes ago, BritManToo said:

Dunno about KhunLA but,

Under Thai law (no will), I inherit 50%, and my son gets 50%

Not that I'm bothered about any of it, and would be happy enough to just walk away.

His property is in his wife's name, so would be passed down to her kids.

As usual, all these guys seem to think the wife's kids will allow them to remain living in the property, and not one of the children will want to sell it and pocket the cash. 😂

Then, it's back to the bars to find another "trusted partner." 😂

Just now, KhunLA said:

And the equity in just the house, not countying the land lots, is the money that was spent.

Equity is on paper, it's not realized until you sell the property.

6 minutes ago, KhunHeineken said:

His property is in his wife's name, so would be passed down to her kids.

As usual, all these guys seem to think the wife's kids will allow them to remain living in the property, and not one of the children will want to sell it and pocket the cash. 😂

Then, it's back to the bars to find another "trusted partner." 😂

But he's married, and under Thai law husband inherits 50% of wife's property.

If his wife has kids (or next nearest class of relative), the remaining 50% is split equally between them.

If the property was purchased within the marriage, he already owns 50%, and would inherit 50% of her share, giving him a 75% control of the property.

Edited 13 hours ago13 hr by BritManToo

3 minutes ago, KhunHeineken said:

His property is in his wife's name, so would be passed down to her kids.

As usual, all these guys seem to think the wife's kids will allow them to remain living in the property, and not one of the children will want to sell it and pocket the cash. 😂

Then, it's back to the bars to find another "trusted partner." 😂

I'm hoping she does, and pays off her townhouse, she rents out now, and half they condo the also rent out. Free her from mortgage & interest. She's a chip of the ol' block.

I really don't need or want, if the wife dies. Not even sure what I'd do. Daughter has her own life, and I have no desire to live at Krung Thep. Knock around KH & VN for a bit, and have a think maybe, or even the USA, for a year or 2, before making any plans for anything permanent.

After that, probably come back to TH, spend last years close to daughter. I will be 72 at years end.

Edited 13 hours ago13 hr by KhunLA

14 minutes ago, CallumWK said:

Think again, usufruct between spouses also can be cancelled.

Please read what I actually wrote.

I said " usufructs cannot be cancelled unilaterally" NOT that they cannot be cancelled.

Since you are so into AI this is what i got from AI.....

A usufruct agreement between husband and wife in Thailand cannot be cancelled unilaterally; both parties must agree to its termination unless specified otherwise in the agreement. If one party wishes to cancel it, they typically need the consent of the other party

Authorities may scrutinize usufruct arrangements involving foreigners if they appear designed to circumvent foreign land ownership restrictions

https://property.cbre.co.th/guides/usufruct-thailand-a-legal-alternative-for-foreign-investors

And as I remember the typical circumvention is: Foreigner makes gift to wife -- wife buys property-- wife gives 100 baht usufruct to spouse.

Edited 13 hours ago13 hr by JerryM

The great Thai scam syatem in full swing and there for all to see.

No thanks; odious, disingenuous people and a corrupt nation from top to bottom. Nice beaches, decent food, some interesting places for a visit, but not to live. But behind the smiles just malintent to fleece the foreigners of money.

1 hour ago, Phil1964 said:

Nice beaches, decent food, some interesting places for a visit, but not to live

In the USofA, some people live in Miami Beach and some people live contentedly in Iowa. Not everyone wants to live in a resort area of Thailand.

Edited 11 hours ago11 hr by JerryM

2 hours ago, BritManToo said:

But he's married, and under Thai law husband inherits 50% of wife's property.

If his wife has kids (or next nearest class of relative), the remaining 50% is split equally between them.

If the property was purchased within the marriage, he already owns 50%, and would inherit 50% of her share, giving him a 75% control of the property.

Zero control. Under Thai law he can't own it. He would have to sign it over to her kids, and then hope they don't want to move into it or sell it, and allow him to remain living in it. 😂

2 hours ago, KhunLA said:

I'm hoping she does, and pays off her townhouse, she rents out now, and half they condo the also rent out. Free her from mortgage & interest. She's a chip of the ol' block.

I really don't need or want, if the wife dies. Not even sure what I'd do. Daughter has her own life, and I have no desire to live at Krung Thep. Knock around KH & VN for a bit, and have a think maybe, or even the USA, for a year or 2, before making any plans for anything permanent.

After that, probably come back to TH, spend last years close to daughter. I will be 72 at years end.

Wouldn't you go and look for another "trusted partner" so you can make money in real estate here? 😂 😂

1 minute ago, KhunHeineken said:

Wouldn't you go and look for another "trusted partner" so you can make money in real estate here? 😂 😂

Pretty sure, you only get that lucky, once in life. Took 6 tries for me, and why I would consider mayber returning to USA, still have a couple friends w/bennies over there. Thinking great travel partner to cruise around the USA with.

Not much more here I can see, though plenty in USA for me to peek at.

1 hour ago, Phil1964 said:

The great Thai scam syatem in full swing and there for all to see.

No thanks; odious, disingenuous people and a corrupt nation from top to bottom. Nice beaches, decent food, some interesting places for a visit, but not to live. But behind the smiles just malintent to fleece the foreigners of money.

I agree with your assessment, so I put into Thailand pretty much what Thailand gives me, which is nothing.

I could head straight to the airport, leaving everything behind, and I suffer only a minor financial loss.

It's when a foreigner starts to believe in the smoke and mirrors here that they allowed themselves to be scammed.

1 minute ago, KhunLA said:

Took 6 tries for me

Costly. 🙂

Everything is for sale in Thailand, even trust. 😂

2 hours ago, JerryM said:

Authorities may scrutinize usufruct arrangements involving foreigners if they appear designed to circumvent foreign land ownership restrictions

https://property.cbre.co.th/guides/usufruct-thailand-a-legal-alternative-for-foreign-investors

And as I remember the typical circumvention is: Foreigner makes gift to wife -- wife buys property-- wife gives 100 baht usufruct to spouse.

Thanks for the link. I know they kinda have to say this, but ironic nonetheless “Engaging an independent Thai legal professional is strongly recommended to ensure appropriate due diligence and risk assessment.”

Not sure “legal” and “professional” should be in the same sentence in this country.

Just now, KhunHeineken said:

Costly. 🙂

Everything is for sale in Thailand, even trust. 😂

Costly, not at all, first 2 wives, no real assets or equity built up, and simply ended, no drama or assets to share. 2 USA non married, were just fun living together. 1st Thai wive, stated, I sold house, kept proceeds.

Present wife is #6, she deserves it all, 20 yrs together and will go to daughter when she passes. Wife is 50 yrs old, come Oct, and daughter is 27, so many years to go, to enjoy what we acquired.

That's what happens when you do things legally ... (on topic 🙄) ... you get to keep your sh!t and pass down to your love ones.

Edited 10 hours ago10 hr by KhunLA