Bonjour,
Je suis a la recherche de temoignages de personnes ayant deja demande et obtenu un credit en Thailande. Je precise que c'est pour une acquisition immobiliere.
J'ai eu l'info que cela etait possible avec un work permit ou en etant coinjoint d'une personne thai.
Merci pour votre aide.
Bonjour..... pour ce qui est du crédit d une banque.. ... c est comme en france.. les memes procédés......
si toi Mr farang demande un crédit.. oui il te faut un work permit... le work permit a lui tout seul ne garantit pas le crédit..
la banque a encore pas mal de questions sur le work permit genre.. pour quelle société tu travaille... si c est une petite société . elle fera une enquete sur la société... ainsi de suite.. C EST COMME EN FRANCE.. le crédit c est pourquoi.. etc....
et pour un thailandais c est pareil........sauf qu il n y pas de work permit.... procédure... fiche de paie.. employeur...
des garantis.....pas de solution miracle.......
si tu connais le milieu chinois... le thai qui ne passe pas.. a la banque... peut emprunter chez ces chinois.. mais la l argent est a 20% au mois... si tu ne paie pas a temps..??? la mafia tu connais......?
Le taux actuel du crédit immobilier est �� 8.36, ce qui est important. taux KTB
J'ai la chance d'avoir comme compagne une Fonctionnaire Thai ce qui avantage beaucoup
sur l'obtention des prêts en banque.
Ils tiennent compte du mariage (thailandais) car si tu es marié ils peuvent accepter de prendre en considération tes revenu français.
La banque (KTB) prête a 70% du prix de l'acquisition. Donc tu as 30% a mettre de ta poche.
Ensuite, le faite de mettre en hypothèque ( système americain) une maison familiale déjà acquise, (belle famille) donne plus de chance d'avoir son prêt.
Ex. pour un cout total de construction de 1 500 000 bath la banque prête
1 050 000 bath.
Lorsque l'on prend un crédit en Thailande, il faut avoir enbition de le rembourser le plus rapidement possible car le taux d'intérêt y est élevé.
Merci pour vos reponses,
Khunfred, peux tu m'en dire un peu plus ? Car j'ai deja solicite ma banque en France (CE) pour une operation a l'etranger et ils m'ont dit "non"😕
Merci Dilom, ca confirme donc bien ce qu'on m'a dit: etre marie peut permettre l'acceptation du credit.Encore faut il que j'ai un revenu (meme en France) c'est bien ca? Le revenu seule de ma compagne peut il suffire?
Dans ce cas, le crédit sera surement accordé à votre compagne si c'est elle qui a des revenus et pas vous...
"Le touriste apparait comme le principal agent de diffusion du mépris anti touristique. Plus le touriste se voit en miroir de l'autre, plus il le déteste".
Merci Dilom, ca confirme donc bien ce qu'on m'a dit: etre marie peut permettre l'acceptation du credit.Encore faut il que j'ai un revenu (meme en France) c'est bien ca? Le revenu seule de ma compagne peut il suffire?
cela dépend surtout aussi du boulot qu'elle fait (fonctionnaire=garantie de l'emploi comme en France quoi) , et des garantie d'hypothèque qu'elle peut mettre (maison, terrain etc...)
Dans ce cas, le crédit sera surement accordé à votre compagne si c'est elle qui a des revenus et pas vous...
Merci pour vos reponses,
Khunfred, peux tu m'en dire un peu plus ? Car j'ai deja solicite ma banque en France (CE) pour une operation a l'etranger et ils m'ont dit "non"😕
<il ne faut pas solliciter un crédit immobilier en France..mais un crédit perso sans justificatif. le taux sera plus élevé mais tu fais ce que tu veux de cette argent
Bonjour,
Pas plus...Mon conseiller bancaire m'a simplement indiqué qu'ils étudiaient aussi les dossiers pour l'étranger.
Je ne sais pas à quelle banque tu es mais une banque française ne pourras pas accepter un pret immobilier à l'étranger sans réel garantie et de nombreuse paprasse
Un ami a acheté une maison au Quebec ... les banque française on refusé son crédit par contre les banques canadiennes lui ont accepté. il à donc pris un pret perso de 21500 € en France et le reste du crédit au Canada
Pour les crédit immobilier, concernant les achats en état futur d'achèvement, les banques te demande tout un tas de renseignement sur le projet d'achat donné par le constructeur et le paye ensuite directement avec l'avancement des travaux😕. Difficile de pratiquer de la sorte si les banques française doivent payer le constructeur en Thailande.
C'est franchement un prêt perso qui est le mieux à demander dans les 20000 €. Attention ce n'est pas un crédit à la conso mais bien un prêt perso avec un taux d'environ 5-7%.
Pour le Pret en Thailande, la banque Thai s'appuis sur le prix donné par le constructeur, le prix peux être éventuellement surestimé ( en étant au préalable tombé d'accord avec le constructeur sur le prix).
Ex : Si le prix entendu ferme et définitif est de 1 500 000 bath, le constructeur surévalué le prix et le met à 1 700 000. ce qui aura pour conséquence d'avoir un crédit plus important car le crédit sera de 70 % de 1 700 000 bath et non plus sur 1 500 000.
Cool😎 😉
Merci pour ces renseignements🙂
Si tu as les coordonnes d'un ou plusieurs organismes proposant ces prets persos peux tu me lestransmettre en MP?
Merci encore.
Un acquisition immo mais laquelle ? Terrain - Maison - ou appartement ? la réponse est importante avant tout et le conseil commence ici
Cependant sujet prêt cela est dans le domaine du possible et sans nécessité de se marier ??? Le critère le plus important est une garantie de salaire d'au moins trois mois.
Secundo en general il faudra quelqu'un de nationalité Thaï ( Tout dépend du montant ) habitant votre Province, qui devra se porter garant pour vous mais pensez avant a la réponse a ma question.
Ma réponse est peut être tardive mais si dans le cas où tu n'aurais pas de réponse concrète depuis je vais te donner mon conseil ( peut être cela servira à quelqu'un d'autre) . Je pense que pour faciliter ta demande de crédit il faut passer par un intermédiaire (courtier..) qui pourra trouver pour toi des banques qui pourront prêter pour toi. Mais faut prendre un courtier spécialisé à l'étranger vu que tu veux faire un crédit en Thailande. Je connais un courtier qui fait ça je crois c'est Crédit International! Tu peux toujours avoir des infos avec eux, tu ne payes que si tu contractes avec eux donc c'est cool!!
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