Can She Sell Her House.

[BlimeyCharlie]

My girlfriend owns a house which was purchased by her ex husband in her mothers name via a mortgage!. JUst for the record he abandoned his wife and son. The house is probably the largest on this small estate in Bangbon and is too big for her/our needs. While she was living in the UK her mother and 3 sisters were living here. The weird thing is they all slept in the same room despite there being 3 other very large bedrooms.

Anyway, she has decided it would be sensible to down side, to say a 2 bedroom house as her sisters have now moved and her mother has returned to her home in Sakeo.

She's under the impression that she cannot sell the house until the mortgage is completely paid, Is this true? Can she not sell the house to pay the outstanding off and then purchase a small house outright.

Your help as always appreciated.

Edited August 9, 2006 by BlimeyCharlie

[number6]

She's under the impression that she cannot sell the house until the mortgage is completely paid, Is this true? Can she not sell the house to pay the outstanding off and then purchase a small house outright.

Your help as always appreciated.

surely if i understand the house is in her mothers name so only her mother can sell

anyway of course you can sell to clear mortgage and get the remainder - we did exactly that when buying our house - the owner had a mortgage our lawer said do 2 bankers drafts one for remainder of the mortgage one for rest - we then went down to bank and cleared the mortgage the bank gave our lawer the title deeds (or whats to stop owner simply keeping house mortgage cleared) we all then went down to land office (our lawer, broker owner etc) and house was transferred and then we handed the old owner the cheque for remainder - of course house in my Thai wifes name (because as we all know foreigners cant own land)

simple and all done in about 2 hours

[BlimeyCharlie]

She's under the impression that she cannot sell the house until the mortgage is completely paid, Is this true? Can she not sell the house to pay the outstanding off and then purchase a small house outright.

Your help as always appreciated.

surely if i understand the house is in her mothers name so only her mother can sell

anyway of course you can sell to clear mortgage and get the remainder - we did exactly that when buying our house - the owner had a mortgage our lawer said do 2 bankers drafts one for remainder of the mortgage one for rest - we then went down to bank and cleared the mortgage the bank gave our lawer the title deeds (or whats to stop owner simply keeping house mortgage cleared) we all then went down to land office (our lawer, broker owner etc) and house was transferred and then we handed the old owner the cheque for remainder - of course house in my Thai wifes name (because as we all know foreigners cant own land)

simple and all done in about 2 hours

Thanks for that. I met my girlfriend in the UK and she has had to return. I just wanted to make sure that I’m not roped into paying for the house. She seems to want to sell but her mother has made her believe she cannot do so until it is paid for in full. I don't know why the house was put in her mothers name when the house was purchased. I think because her husband was sending money from the UK, her mother took out the mortgage and got a guarantee from a family member.

Thank you.

[SnakeBite]

Blimey, this does sound bad. Her ex was sending money from the UK to pay for the house and now this woman is your girl friend. How long was she married to this guy and he started making payments on the house, they got divorced and now it's you they're looking at to pay it off.

I'ld be running from this one.

[BlimeyCharlie]

Blimey, this does sound bad. Her ex was sending money from the UK to pay for the house and now this woman is your girl friend. How long was she married to this guy and he started making payments on the house, they got divorced and now it's you they're looking at to pay it off.

I'ld be running from this one.

She/Her mother has owned the house for about 3 years, her husband paid a large deposit at the time. As i pointed out he did a runner from is wife and his son, so i don't blame her for this current situation. Likewise i didn't order a girlfriend/wife, i met her in normal circumstances in the UK. We did tried to stay in the UK but we didn't get the result we wanted. My girlfriend wants to sell the house to down size and pay the mortgage off. Don't get me wrong i won't be fooled into paying for the house, especially after what i've given up in the UK to help her.

I get a strange feeling about her mother, and there seems to be some keeping up with the jones's with regards to her aunt.

We'll see what happens anyway.

Edited August 9, 2006 by BlimeyCharlie

[SnakeBite]

So what and why have you given up anything to be with this woman? How long have you known her that you would give up anything to make a relationship work. Seems if it was worth any trouble that she would be willing to take the TIME to get everything else together befor asking or talking about the problems she seems to have.

As others have posted: It's no problem to sell a house that has a mortgage and I would think that you would have enough brains to figure this out. It would be totally ILLOGICAL to think: OH shucks, I have this house but it's not paid off yet but I want to sell, oh what am I going to do???

Now, if you had stated that they can no longer keep up the payments on this house and had problems, then I might have thought differently,but then again if they asked you to pay it off, I sure as hel_l would run if I were you.

Sounds like at least the MOM (if not others) is playing games.

[Moonfruit]

Good luck fella.

[chuchok]

The weird thing is they all slept in the same room despite there being 3 other very large bedrooms.

That part is not weird mate.They are just being Thai.

[Charma]

There are only two possible situations here:

1. Her or her mother genuinely do not know that you can clear the mortage at the time of the sale (as described above)

2. Her or her mother are trying to pull the wool over your eyes and get you to clear the mortgage in order to end up with a larger sum of money.

The second option would raise some alarm bells.

[jdinasia]

third option ... the husband holds a 30 year lease ....

[NordicMan]

So what and why have you given up anything to be with this woman? How long have you known her that you would give up anything to make a relationship work. Seems if it was worth any trouble that she would be willing to take the TIME to get everything else together befor asking or talking about the problems she seems to have.

As others have posted: It's no problem to sell a house that has a mortgage and I would think that you would have enough brains to figure this out. It would be totally ILLOGICAL to think: OH shucks, I have this house but it's not paid off yet but I want to sell, oh what am I going to do???

Now, if you had stated that they can no longer keep up the payments on this house and had problems, then I might have thought differently, but then again if they asked you to pay it off, I sure as hel_l would run if I were you.

Sounds like at least the MOM (if not others) is playing games.

Well, I live in London and I have a big problem selling off my mortgaged house. The bank requires an early repayment fee of 6% of the outstanding amount if I repay within the first 2 years - which I rather not pay.

This doesn't make it impossible to sell it off, but it's not something I easily can do.

Who knows if there are any restrictions on the mortage in question by the OP. It's worth putting in some time to verify it - check with the bank that issued the mortgage for example.

rgds

nm

[BlimeyCharlie]

So what and why have you given up anything to be with this woman? How long have you known her that you would give up anything to make a relationship work. Seems if it was worth any trouble that she would be willing to take the TIME to get everything else together befor asking or talking about the problems she seems to have.

As others have posted: It's no problem to sell a house that has a mortgage and I would think that you would have enough brains to figure this out. It would be totally ILLOGICAL to think: OH shucks, I have this house but it's not paid off yet but I want to sell, oh what am I going to do???

Now, if you had stated that they can no longer keep up the payments on this house and had problems, then I might have thought differently,but then again if they asked you to pay it off, I sure as hel_l would run if I were you.

Sounds like at least the MOM (if not others) is playing games.

I've know her now for 2 years. The only reason why we are here is because her husband does not want to support his child or have anything to do with the both of them. If he was a real man he would have signed for them to stay in the UK just so he could form a relationship with his son.

My girlfriend as never lived in this house since theoretically owning it she has been in the UK. I totally trust her but i don't trust her mother, or her mother doesn't know. She is torn between what i say and what her mother says, simple as. I just wanted to clear up the law situation regarding selling a house while monies are owed, but typically with this site, or should i say members they tends to jump on the band wagon of 'do a runner mate' I can only put this down to poor judgement by certain people who have fell into these situations.

Edited August 11, 2006 by BlimeyCharlie

[tartempion]

BlimeyBoy, how right you are.

And then how they complain about cheating thai people, males/females alike, whilst many posters here don't have a clue how to be respectfull towards people who have questions/problems.

And this is still a nice thread compared to some others...

Edited August 11, 2006 by tartempion

[The Skipper]

...She's under the impression that she cannot sell the house until the mortgage is completely paid, Is this true? ..

I find, when things get hazy, confused, or just plain strange, there is ususlly some details being left out of the story.

Somthings wrong.

[Mossfinn]

I've know her now for 2 years. The only reason why we are here is because her husband does not want to support his child or have anything to do with the both of them. If he was a real man he would have signed for them to stay in the UK just so he could form a relationship with his son.

My girlfriend as never lived in this house since theoretically owning it she has been in the UK. I totally trust her but i don't trust her mother, or her mother doesn't know. She is torn between what i say and what her mother says, simple as. I just wanted to clear up the law situation regarding selling a house while monies are owed,

You could contact Sunbelt Asia for some prelimary advice or speak to a Thai lawyer in property matters, I am not sure where you are from your posts, I couldn't quite follow one of your paragraphs, is your partner in Bangpen and you in the UK, because you need to get advice on the type of mortgage.

Looking on the bright side it looks like the husband did all the dealing so they could legitimately be naive about the whole house buying process and as a previous poster has pointed out you can have problems getting out of a mortgage.

With extensive penalties even when transfering, particularly to a smaller mortgage, you obviously trust your girlfriend so take advice from a property lawyer before you go any further.

Good Luck

Moss