In my home country, in condo buildings which are less than maybe 70% owner-occupied, buyers are penalized by higher mortgage and insurance costs. With less than 51% owner-occupation it may be impossible to even get a mortgage. The rationale given is that owners will tend to take better care of their individual units and the building as a whole, won't skimp so much on the maintenance, etc. than renters will. What are the rules in Thailand? How is the number calculated in Thailand? Do units owned by a company (e.g. to avoid foreign ownership limitations), or provided by a sugardaddy to his GF/BF affect it? How about vacant units (some buildings seem to have a lot of vacant units)? Thanks!

Im not sure the vacancy rate or the resident mix (company owners, sugardaddy or mommy owners, etc.) is reviewed or investigated from my own experiences....

when I first received a condo mortgage, the bank only asked for an appraisal report from their approved appraisal firm....I paid about B5000 for the report....very detailed booklet of info and pictures, and floorplans etc. about desireablility of location, evaluation of facililities, neighboring amenities, building quality, construction materials, neighboring comparison values, etc. with a final appraised figure (which was much higher than the official govt appraised value) ....no mention was made of the resident mix or vacancy rate and the bank never even asked (and I dont know this info anyway to the present time)...

on another transaction the bank didnt even ask for an appraisal report...