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Thailand Job Offer Components

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Hi,

I have just got a permanent job offer but not sure how to read it...can someone help or suggest an accountant I could talk to. The components I am unsure about are:

Provident Fund @ 13% year (this is employer contribution, not sure if I get this back when I leave the company, it looks like it is only fully vested over 4 years)

GDP estimated at 5% (absolutely no idea what this is)

There is also provision for a mortage at fixed deposit rate plus 2% which is excellent but I am not a permanent resident so probably wouldn't qualify

Any advice? Thanks a lot!

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