transam Posted December 4, 2012 Share Posted December 4, 2012 All I have got left to say on this matter is that I am happy with what I have done I know that I will be leaving the children something when I go and I and if my lady not look after me till I die she will have nothing I have nothing more to say on this matter Kids DO NOT forget mum, period. She will always be OK. 1 Link to comment Share on other sites More sharing options...
TommoPhysicist Posted December 4, 2012 Share Posted December 4, 2012 All I have got left to say on this matter is that I am happy with what I have done I know that I will be leaving the children something when I go and I and if my lady not look after me till I die she will have nothing I have nothing more to say on this matter Kids DO NOT forget mum, period. She will always be OK. I always found that a little unfair. Link to comment Share on other sites More sharing options...
cheeryble Posted December 4, 2012 Share Posted December 4, 2012 (edited) Tommophysicist..... I am bewildered how Bangkok Bank can lend you money at 3% when that's roughly what they pay for interest on deposits. If it is a fixed rate, which is what you seem to be suggesting, it is the deal of the century. If it is not a fixed rate, it is the deal of the century. In theory you could pay interest only and be "renting" a 2m baht house for a handful of thousands per month, yet with all the benefits of ownership such as the ability, if the price doubles in a few years, to sell and pay off the loan for a twobagger with barely any outlay and all the benefits of the house to live in. I'd like some of that. Edited December 4, 2012 by cheeryble Link to comment Share on other sites More sharing options...
TommoPhysicist Posted December 4, 2012 Share Posted December 4, 2012 Tommophysicist..... I am bewildered how Bangkok Bank can lend you money at 3% when that's roughly what they pay for interest on deposits. If it is a fixed rate, which is what you seem to be suggesting, it is the deal of the century. If it is not a fixed rate, it is the deal of the century. In theory you could pay interest only and be "renting" a 2m baht house for a handful of thousands per month, yet with all the benefits of ownership such as the ability, if the price doubles in a few years, to sell and pay off the loan for a twobagger with barely any outlay and all the benefits of the house to live in. I'd like some of that. I'll be amazed if it works out too ........ will let you all know. Link to comment Share on other sites More sharing options...
robblok Posted December 4, 2012 Share Posted December 4, 2012 Tommophysicist..... I am bewildered how Bangkok Bank can lend you money at 3% when that's roughly what they pay for interest on deposits. If it is a fixed rate, which is what you seem to be suggesting, it is the deal of the century. If it is not a fixed rate, it is the deal of the century. In theory you could pay interest only and be "renting" a 2m baht house for a handful of thousands per month, yet with all the benefits of ownership such as the ability, if the price doubles in a few years, to sell and pay off the loan for a twobagger with barely any outlay and all the benefits of the house to live in. I'd like some of that. I'll be amazed if it works out too ........ will let you all know. Amazed too, think its too good to be true. I guess there is a communication error. Maybe you keep paying over the principle or its a special discount tariff only lasting shortly (seen that here before). Also havent seen them go up to 90% of the value of a house before. Sent from my GT-I9300 using Thaivisa Connect App Link to comment Share on other sites More sharing options...
falkan Posted December 4, 2012 Share Posted December 4, 2012 life in issan is good =) Link to comment Share on other sites More sharing options...
Jonathan Fairfield Posted December 4, 2012 Share Posted December 4, 2012 In all fairness the OP should've been asking this sort of question well before he decided to build a house on someone else's land then transfer the property into someone else's name! I mean really! Is this a wind up? Jesus wept Sent from my GT-S5570B using Thaivisa Connect App Link to comment Share on other sites More sharing options...
transam Posted December 4, 2012 Share Posted December 4, 2012 Just a thought OP, who's decision was it to transfer everything out of your hands, who suggested it, and what was the reason for the action. ? Link to comment Share on other sites More sharing options...
muchogra Posted December 4, 2012 Share Posted December 4, 2012 If you trusted her to put up your money to build the house on HER LAND, why bother now? What you paid, I assume, is your disposable cash. In fact, if I did what you had done, I would have assumed it's a gift to her at the very beginning. Pursuing such a matter with the lady would just ruin your relationship. Just soothe yourself by treating it as gone and be more strategic in a subtle way the next time in dealing. People to need to have trust to keep a relationship. Link to comment Share on other sites More sharing options...
rawhod Posted December 5, 2012 Share Posted December 5, 2012 If you trusted her to put up your money to build the house on HER LAND, why bother now? What you paid, I assume, is your disposable cash. In fact, if I did what you had done, I would have assumed it's a gift to her at the very beginning. Pursuing such a matter with the lady would just ruin your relationship. Just soothe yourself by treating it as gone and be more strategic in a subtle way the next time in dealing. People to need to have trust to keep a relationship. Well said... I bought a house for my, then gf, now wife, so that she has somewhere to live when I move from the "departure lounge" to my "final flight" from this Earth. In the very unlikely event that our marriage goes pear shaped before then, I will just return to my house in the UK. 1 Link to comment Share on other sites More sharing options...
Tatsujin Posted December 5, 2012 Share Posted December 5, 2012 All I have got left to say on this matter is that I am happy with what I have done I know that I will be leaving the children something when I go and I and if my lady not look after me till I die she will have nothing I have nothing more to say on this matter Unfortunately, although your intentions are good, you will find that the "lady" will be able to do anything she wants with the house/land, including borrowing money on it. I'm curious to know though why you seem so insistent that the "lady" not be able to gain from it at all . . . 1 Link to comment Share on other sites More sharing options...
mickjn Posted December 5, 2012 Share Posted December 5, 2012 That is why you should only rent.When the time comes you can just walk away.If you buy a house for a lady just put it in her name from the start,give it to her saves a lot of fuc_king around. Link to comment Share on other sites More sharing options...
transam Posted December 5, 2012 Share Posted December 5, 2012 OP, can we take it that your not married. ? Nothing on paper with your name on it. ? If no, she, they can tell you to move out if they so desire. It will been seen your cash to build the house was a gift. If you are married and a problem you sell up and split the cash if it belongs to her, BUT now it belongs to her daughter so no claim l would have thought. Mum will always have a home. Link to comment Share on other sites More sharing options...
offset Posted December 5, 2012 Author Share Posted December 5, 2012 OP, can we take it that your not married. ? Nothing on paper with your name on it. ? If no, she, they can tell you to move out if they so desire. It will been seen your cash to build the house was a gift. If you are married and a problem you sell up and split the cash if it belongs to her, BUT now it belongs to her daughter so no claim l would have thought. Mum will always have a home. I said that I was going to say no more but just to try and clarify some things I am 68 years old so not long for this world If I walked away now (which I not need to do) as far as money is concerned the money I spent on the land and houses would not affect my life at all I have plenty to live on I got her to transfer a smaller piece of land to her daughter so I could get her to sign over the larger land to my son (who is 4 years old) which I consider better than leaving the money in the bank and have to worry about who will look after the money if I die If I ever split up with my lady I will walk away and leave the house to her and her daughter I will not worry about it and I will get on with my life still in Thailand I only asked the question out of interest if I knew that I was going to get slagged of like this I would of not bothered to find out All I have to say now is the I am happy in my life with my family I think that I have covered my money the best way that I can to safeguard my son if I have failed so be it But it is difficult to find anybody in Thailand that I would trust and want to look after money for my son until he is 20 years old so I can see problems what ever I do this is the option I think best for me and i have left some more money in the UK as an extra safeguard Link to comment Share on other sites More sharing options...
transam Posted December 5, 2012 Share Posted December 5, 2012 Think you should have quoted the whole story in your OP, as replies have been related to stuff we might have witnessed over the years to plant a seed in your gray cells. 1 Link to comment Share on other sites More sharing options...
offset Posted December 5, 2012 Author Share Posted December 5, 2012 Think you should have quoted the whole story in your OP, as replies have been related to stuff we might have witnessed over the years to plant a seed in your gray cells. I though I asked a simple question and I expected a simple answer at no time did I ask for advice Link to comment Share on other sites More sharing options...
transam Posted December 5, 2012 Share Posted December 5, 2012 Think you should have quoted the whole story in your OP, as replies have been related to stuff we might have witnessed over the years to plant a seed in your gray cells. I though I asked a simple question and I expected a simple answer at no time did I ask for advice eeeeeeeeeer, thought an answer was sort of advice. Never mind, you crack on, as they say. 1 Link to comment Share on other sites More sharing options...
Gary A Posted December 5, 2012 Share Posted December 5, 2012 When my wife and I got married, she took my name. She already owned a house in her name. During the process of getting her name legally changed, she went to the land office to get my name along with her changed name on the land paper. She came home and was upset because they refused to do it. I could have told her that but she didn't ask. She said that it was her house and up to her if she wanted my name on the paper. She has a difficult time understanding why I can't have land in my name. She says that it isn't fair and I agree with her. TIT. Link to comment Share on other sites More sharing options...
mickjn Posted December 5, 2012 Share Posted December 5, 2012 OP, can we take it that your not married. ? Nothing on paper with your name on it. ? If no, she, they can tell you to move out if they so desire. It will been seen your cash to build the house was a gift. If you are married and a problem you sell up and split the cash if it belongs to her, BUT now it belongs to her daughter so no claim l would have thought. Mum will always have a home. If I walked away now (which I not need to do) as far as money is concerned the money I spent on the land and houses would not affect my life at all I have plenty to live on I know what you are saying.About 6 months ago I bought a house for a lady I have known for a long time.18 months ago just before I was leaving to go home she told me do not go you are sick I will never see you again you are going to die.I went home after a month I just starting falling over all the time.Found it was caused my radiation I had 15 years ago.6 months ago I was well enough to go and see her,bought her the house in her name.What was I going to do leave my money to a drug addict or someone who sits on a chair playing poker machines all day.I went back to LOS to escort a lady who was afraid of flying for the first time for a mate who was working.I did not contact the lady,it was hard after 10 years,and I will never contact her again.I am not long for this world but I am going to go out happy Link to comment Share on other sites More sharing options...
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