{"id":38412,"date":"2024-12-11T12:29:00","date_gmt":"2024-12-11T11:29:00","guid":{"rendered":"https:\/\/www.heveatecture.com\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/"},"modified":"2026-02-09T23:34:10","modified_gmt":"2026-02-09T22:34:10","slug":"comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui","status":"publish","type":"post","link":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/","title":{"rendered":"Comment obtenir un financement pour acheter une propri\u00e9t\u00e9 \u00e0 Koh Samui"},"content":{"rendered":"\n

Koh Samui, with its stunning beaches<\/strong> and vibrant island lifestyle, has long been a coveted destination for real estate investors. Whether you\u2019re looking for a luxurious villa or a tropical retreat, buying property here offers both a personal escape and a smart investment. However, for foreign buyers<\/strong>, navigating the process of securing financing in Thailand can be daunting. Unlike in many other countries, foreign ownership laws<\/strong> and financing options<\/strong> in Thailand come with specific limitations, which is why understanding your options is key to a successful purchase.<\/p>\n\n

In this article, we\u2019ll explore the various financing options<\/strong> available to foreign buyers in Koh Samui, from local bank loans<\/strong> to developer financing<\/strong>. We\u2019ll break down the steps you need to take to secure funding for your dream property, ensuring you\u2019re well-prepared for the investment journey ahead.<\/p>\n\n

Comprendre les restrictions en mati\u00e8re de propri\u00e9t\u00e9 \u00e9trang\u00e8re<\/h2>\n\n

Before exploring financing options, it\u2019s essential to grasp the legal framework governing foreign ownership<\/strong> in Thailand. Thailand has specific regulations that restrict foreign nationals from owning land outright, but several alternatives exist for those wishing to invest in property while staying within the law.<\/p>\n\n

Propri\u00e9t\u00e9 en copropri\u00e9t\u00e9<\/h3>\n\n

One of the most accessible options for foreign buyers<\/strong> is condominium ownership. According to Thai law, foreigners can own up to 49% of the units<\/strong> in any condominium development. This makes condominiums a popular choice for those looking to purchase property in Koh Samui<\/strong>. Not only does this option provide an easy entry point for foreign investors, but it also simplifies the financing process. Banks and lenders are often more willing to offer financing<\/strong> for condominium purchases, as the legal framework is clearly defined and supports foreign ownership.<\/p>\n\n

With condominiums, foreign buyers can own the unit outright<\/strong>, offering greater flexibility compared to land ownership restrictions. This also makes obtaining financing through local banks more feasible, as the ownership structure<\/strong> aligns with Thailand\u2019s foreign investment laws.<\/p>\n\n

Contrats de location<\/h3>\n\n

For those who wish to invest in villas or private homes on land, leasehold agreements<\/strong> offer a viable alternative to direct land ownership. Foreigners can lease land for up to 30 years<\/strong>, with an option to renew the lease for an additional 30 years. While leaseholds do not grant ownership of the land, they provide stability and long-term access, making them a common method for foreign buyers in Koh Samui<\/strong>.<\/p>\n\n

Under a leasehold agreement<\/strong>, you essentially rent the land but retain ownership of any buildings or villas constructed on it. This arrangement provides more flexibility for buyers who want to build custom homes or invest in large private estates without violating foreign ownership laws.<\/p>\n\n

\"Comment<\/figure>\n\n

Options de financement pour les acheteurs \u00e9trangers<\/h2>\n\n

Once you\u2019ve decided on the type of property, the next step is securing financing<\/strong>. While obtaining a loan as a foreign buyer in Thailand can be more challenging than for Thai nationals, there are several financing options<\/strong> available, each with its own advantages and requirements.<\/p>\n\n

Pr\u00eats bancaires locaux<\/h3>\n\n

Thai banks are generally cautious when it comes to lending to foreign buyers<\/strong>, but it is not impossible to secure a loan. Some banks do offer financing<\/strong> to foreigners, especially if the buyer has ties to Thailand, such as a Thai spouse<\/strong>, permanent residency, or a Thai-based business. In these cases, the likelihood of approval increases, though the loan terms might differ from those offered to Thai nationals. Typically, foreign buyers might face higher interest rates<\/strong> and shorter loan periods<\/strong>.<\/p>\n\n

To improve your chances of securing a loan from a local Thai bank<\/strong>, it\u2019s essential to provide solid documentation. This may include:<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 A clear credit history<\/strong> showing good financial standing.<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Preuve de revenus, qu’ils proviennent d’une entreprise ou d’un salaire.<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 A legal review of the property\u2019s status<\/strong>, ensuring compliance with Thai laws.<\/p>\n\n

Bien que les pr\u00eats locaux puissent \u00eatre plus restrictifs, ils offrent la commodit\u00e9 d\u2019emprunter en baht tha\u00eflandais, \u00e9liminant ainsi les risques de fluctuation des devises associ\u00e9s aux pr\u00eats \u00e9trangers.<\/p>\n\n

Offshore Financing<\/strong><\/h3>\n\n

If securing a loan from a Thai bank proves difficult, offshore financing<\/strong> provides an alternative. Many international banks and financial institutions offer property loans<\/strong> to foreign buyers, particularly for real estate investments in countries like Thailand. These loans are often denominated in foreign currencies, such as US Dollars, Euros, or British Pounds, making them more accessible to expatriates or international investors whose incomes are not in Thai Baht<\/strong>.<\/p>\n\n

Offshore loans often come with more flexible terms, including longer repayment periods and lower interest rates than those offered by Thai banks. However, borrowers must be mindful of the potential risks associated with currency fluctuations<\/strong>. If the value of the Thai Baht changes significantly against the currency in which the loan is denominated, repayment amounts can vary, potentially increasing your overall debt burden.<\/p>\n\n

Choosing offshore financing allows for greater flexibility<\/strong>, but it\u2019s essential to weigh the risks and consult with a financial advisor to fully understand the implications of foreign-currency loans.<\/p>\n\n

\"Comment<\/figure>\n\n

Financement des d\u00e9veloppeurs<\/h2>\n\n

Another viable option for securing financing<\/strong> is through the property developer<\/strong>. In Koh Samui<\/strong>, many developers offer in-house financing packages designed specifically for foreign buyers<\/strong>. This method is particularly common for new condominium projects<\/strong> or off-plan developments<\/strong>, providing a convenient alternative to traditional bank loans.<\/p>\n\n

Avantages du financement des d\u00e9veloppeurs<\/h3>\n\n

Developer financing<\/strong> often offers more flexible terms<\/strong> compared to traditional bank loans. Foreign buyers can take advantage of several benefits, such as:<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Lower down payments<\/strong>: Developers may require smaller upfront payments, making it easier to secure property without large initial costs.<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Interest-free installments<\/strong> during the construction phase<\/strong>: Many developers allow buyers to make payments in phases as the project progresses, without adding interest. This makes the financing process smoother, especially for off-plan properties that take time to complete.<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Extended payment plans<\/strong>: Developers might offer longer payment periods, sometimes stretching over several years, which eases the financial burden on buyers.<\/p>\n\n

This option is ideal for those who prefer a streamlined financing process<\/strong> without the complexity of navigating local bank loans<\/strong>. It\u2019s especially beneficial for buyers investing in off-plan developments<\/strong> or newly built properties, where the developer is incentivized to make the financing process as easy as possible.<\/p>\n\n

Consid\u00e9rations relatives au financement des d\u00e9veloppeurs<\/h3>\n\n

While developer financing<\/strong> offers convenience and flexibility, there are important factors to consider. It\u2019s crucial to thoroughly review the terms and conditions<\/strong> before committing. Some points to keep in mind include:<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Higher interest rates<\/strong> after the construction phase<\/strong>: While developers may offer interest-free payments during the build, interest rates can increase once the villa or condominium is completed. Compare these rates to what you might get through a traditional bank loan.<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Payment deadlines<\/strong>: Missing payments could result in penalties or, in extreme cases, forfeiture of your investment. It\u2019s important to understand the developer\u2019s policies and ensure you can meet the payment schedule.<\/p>\n\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Developer reputation<\/strong>: Not all developers are equal. Ensure you\u2019re working with a reputable company with a proven track record of completing projects on time and delivering high-quality properties. Investigate previous developments and speak to other buyers if possible to assess the developer\u2019s reliability.<\/p>\n\n

By carefully weighing these considerations, foreign buyers can benefit from the ease and flexibility of developer financing<\/strong> while securing a property investment<\/strong> in Koh Samui<\/strong>.<\/p>\n\n

\"Comment<\/figure>\n\n

Travailler avec un courtier hypoth\u00e9caire<\/h2>\n\n

For foreign buyers<\/strong> who are new to Thailand\u2019s property market<\/strong>, working with a mortgage broker<\/strong> can make the process of securing financing much easier. Brokers are familiar with the intricacies of local and international financing options and can streamline your journey toward property ownership in Koh Samui<\/strong>. Their expertise helps foreign investors navigate the legalities and find the best loan terms<\/strong> for their specific circumstances.<\/p>\n\n

Naviguer dans les r\u00e9glementations tha\u00eflandaises<\/h3>\n\n

Mortgage brokers<\/strong> offer in-depth knowledge of the regulations<\/strong> that apply to foreign buyers in Thailand<\/strong>, particularly when it comes to property ownership and financing. Thai laws around foreign ownership<\/strong> can be complex, with restrictions on land ownership and various legal requirements to consider. A broker will help you avoid potential pitfalls by ensuring that your investment complies with local regulations<\/strong>, including the ownership structure and any necessary approvals.<\/p>\n\n

For instance, brokers can advise you on whether it\u2019s better to pursue a condominium<\/strong> purchase (where foreign ownership is allowed) or opt for a leasehold agreement<\/strong> for land. Their guidance ensures that you stay within legal boundaries while securing financing that aligns with your investment goals.<\/p>\n\n

Acc\u00e8s \u00e0 plusieurs options de financement<\/h3>\n\n

Another major advantage of working with a mortgage broker<\/strong> is their ability to connect you with various financing options<\/strong>. Whether it\u2019s local bank loans<\/strong>, offshore financing<\/strong>, or developer financing<\/strong>, brokers have relationships with different lending institutions, giving you access to a broader range of possibilities. This increased access means you can find more competitive loan terms<\/strong>, including better interest rates and repayment periods.<\/p>\n\n

For foreign buyers, especially those who may struggle to get financing from Thai banks, brokers can introduce you to lenders<\/strong> who specialize in foreign property investment<\/strong>. They can also help compare offers from international banks<\/strong>, ensuring that you secure the best possible deal for your dream property in Koh Samui<\/strong>.<\/p>\n\n

\u00c9pargne et investissements personnels<\/h2>\n\n

For many foreign buyers<\/strong>, using personal savings<\/strong> or liquidating investments<\/strong> can be one of the simplest and most efficient ways to purchase property in Koh Samui<\/strong>. By relying on personal funds, buyers avoid the challenges of navigating Thailand\u2019s complex financing options while gaining full control over the property purchase. This direct approach offers numerous advantages and can even strengthen your position in negotiations with sellers or property developers<\/strong>.<\/p>\n\n

Avantages des achats au comptant<\/h3>\n\n

One of the primary advantages of using cash<\/strong> to purchase a property is the ability to speed up the transaction process. Without the need for bank approvals, financing negotiations, or long wait periods, cash buyers can often close deals much faster. This expedites the ownership transfer and reduces the stress involved in securing a loan.<\/p>\n\n

Additionally, cash buyers<\/strong> are in a stronger negotiating position. Sellers<\/strong> tend to favor buyers who can pay upfront because it eliminates the risk of loan denials or financing complications. As a result, you might be able to negotiate a lower purchase price or receive other concessions, such as upgrades or additional services. By avoiding monthly loan repayments and interest rates, cash purchases also reduce long-term financial commitments and overall costs.<\/p>\n\n

Combiner \u00e9pargne et financement<\/h3>\n\n

If your personal savings are not sufficient to cover the entire cost of the property, a combined strategy may be ideal. In this case, you could use a portion of your savings<\/strong> for a substantial down payment and secure the remainder through a smaller loan<\/strong> from a local bank or developer financing<\/strong>. This approach reduces the amount you need to borrow, making it easier to obtain a loan with more favorable terms, such as lower interest rates or shorter repayment periods.<\/p>\n\n

This strategy not only decreases your dependency on loans but also provides you with more financial flexibility. Combining personal funds<\/strong> with financing<\/strong> allows you to reduce debt while ensuring that you can afford the property you desire in Koh Samui<\/strong>.<\/p>\n\n

L\u2019approche Heveatecture de l\u2019investissement immobilier \u00e0 Koh Samui<\/h2>\n\n

We understand the complexities that foreign buyers<\/strong> face when navigating the process of property investment<\/strong> in Koh Samui<\/strong>. Beyond design and construction, we offer guidance on securing financing options<\/strong> and understanding local ownership regulations<\/strong>. This comprehensive support ensures that your investment is not only beautifully crafted but also legally sound and financially viable.<\/p>\n\n

Conseils personnalis\u00e9s pour les acheteurs \u00e9trangers<\/h3>\n\n

Investing in a property abroad can be daunting, especially with foreign ownership restrictions<\/strong> and unfamiliar financing terms. That\u2019s why at Heveatecture<\/strong>, we provide personalized advice tailored to your unique situation. Whether you\u2019re looking at developer financing<\/strong>, leasehold agreements<\/strong>, or exploring bank loans<\/strong>, our team is well-versed in the available options. We can guide you through the steps to secure funding and ensure that your investment complies with Thai regulations, providing you with peace of mind throughout the entire process.<\/p>\n\n

\u00c9tablir des relations avec des d\u00e9veloppeurs de confiance<\/h3>\n\n

As part of our holistic approach, Heveatecture<\/strong> collaborates with well-established property developers<\/strong> in Koh Samui<\/strong> who offer reliable and flexible financing packages<\/strong>. These relationships allow us to offer our clients access to trusted development projects that not only meet high construction standards but also provide flexible payment terms. By connecting you with reputable developers, we help ensure that your real estate investment<\/strong> is supported by financial structures designed with foreign buyers in mind.<\/p>\n\n

With Heveatecture<\/strong>, you gain more than just a luxury villa<\/strong>\u2014you receive a full suite of services aimed at making your property purchase<\/strong> seamless and secure.<\/p>\n\n

\"Comment<\/figure>\n\n

Conclusion<\/h2>\n\n

Obtaining financing<\/strong> for property in Koh Samui<\/strong> as a foreigner may initially seem complex, but with careful planning, it\u2019s entirely achievable. Whether you rely on personal savings<\/strong>, explore options with local and international banks<\/strong>, or opt for developer financing<\/strong>, understanding your options is key to making a well-informed investment.<\/p>\n\n

By considering multiple financing solutions<\/strong>, working with professionals like mortgage brokers<\/strong>, and staying informed about Thailand\u2019s legal landscape, you can successfully secure the funds needed to invest in Koh Samui\u2019s real estate market<\/strong>. Ultimately, a clear understanding of both your financial situation and the property market will enable you to make a sound and rewarding investment.<\/p>\n\n

10 FAQ sur le financement de l\u2019immobilier \u00e0 Koh Samui<\/h2>\n\n
\n
Can foreigners get a mortgage in Thailand?<\/strong><\/strong>

Oui, mais il est plus difficile pour les \u00e9trangers d\u2019obtenir un pr\u00eat hypoth\u00e9caire. Certaines banques tha\u00eflandaises proposent des pr\u00eats aux \u00e9trangers, surtout s’ils ont des liens avec la Tha\u00eflande.<\/p> <\/div>

Is developer financing available for foreign buyers?<\/strong><\/strong>

Oui, de nombreux promoteurs \u00e0 Koh Samui proposent des options de financement, notamment pour les nouveaux d\u00e9veloppements ou les propri\u00e9t\u00e9s sur plan.<\/p> <\/div>

What is the maximum loan-to-value (LTV) ratio for foreign buyers in Thailand?<\/strong><\/strong>

En r\u00e8gle g\u00e9n\u00e9rale, les banques tha\u00eflandaises proposent un ratio LTV d\u2019environ 50 \u00e0 70\u00a0% aux acheteurs \u00e9trangers, en fonction de la propri\u00e9t\u00e9 et de la situation financi\u00e8re de l\u2019emprunteur.<\/p> <\/div>

Are there offshore financing options for buying property in Thailand?<\/strong><\/strong>

Oui, certaines banques et institutions financi\u00e8res internationales proposent des pr\u00eats offshore aux acheteurs \u00e9trangers souhaitant investir dans l\u2019immobilier tha\u00eflandais.<\/p> <\/div>

Can I use my home country\u2019s bank for financing?<\/strong><\/strong>

Dans certains cas, les banques \u00e9trang\u00e8res peuvent proposer des pr\u00eats pour l’achat de propri\u00e9t\u00e9s en Tha\u00eflande, mais cela est moins courant que le financement local ou offshore.<\/p> <\/div>

What is the interest rate for property loans in Thailand?<\/strong><\/strong>

Les taux d’int\u00e9r\u00eat pour les acheteurs \u00e9trangers sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s que pour les ressortissants tha\u00eflandais, allant de 5 \u00e0 8 %, selon la banque et le type de pr\u00eat.<\/p> <\/div>

Can foreigners own land in Thailand?<\/strong><\/strong>

Les \u00e9trangers ne peuvent pas poss\u00e9der de terres directement, mais peuvent conclure des contrats de location \u00e0 long terme ou poss\u00e9der des biens par l’interm\u00e9diaire d’une soci\u00e9t\u00e9 tha\u00eflandaise.<\/p> <\/div>

Is a down payment required for property purchases in Thailand?<\/strong><\/strong>

Oui, un acompte de 20 \u00e0 30 % de la valeur de la propri\u00e9t\u00e9 est g\u00e9n\u00e9ralement requis pour les acheteurs \u00e9trangers obtenant un pr\u00eat.<\/p> <\/div>

How long does the loan approval process take?<\/strong><\/strong>

Le processus d\u2019approbation du pr\u00eat peut prendre plusieurs semaines \u00e0 quelques mois, selon le pr\u00eateur et la complexit\u00e9 de la demande.<\/p> <\/div>

Do I need a lawyer when buying property in Koh Samui?<\/strong><\/strong>

Oui, il est fortement recommand\u00e9 de faire appel \u00e0 un avocat pour garantir que tous les contrats et transactions sont juridiquement contraignants et conformes \u00e0 la loi tha\u00eflandaise.<\/p> <\/div> <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Koh Samui, with its stunning beaches and vibrant island lifestyle, has long been a coveted destination for real estate investors. Whether you\u2019re looking for a luxurious villa or a tropical retreat, buying property here offers both a personal escape and a smart investment. However, for foreign buyers, navigating the process of securing financing in Thailand<\/p>\n","protected":false},"author":1,"featured_media":33417,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_rtcl_gb_attr":"","footnotes":""},"categories":[145],"tags":[],"class_list":["post-38412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-investment-in-koh-samui"],"yoast_head":"\nComment obtenir un financement pour acheter une propri\u00e9t\u00e9 \u00e0 Koh Samui - Heveatecture<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les options de financement pour acheter une propri\u00e9t\u00e9 \u00e0 Koh Samui. 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Certaines banques tha\u00eflandaises proposent des pr\u00eats aux \u00e9trangers, surtout s'ils ont des liens avec la Tha\u00eflande.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534017791\",\"position\":2,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534017791\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, de nombreux promoteurs \u00e0 Koh Samui proposent des options de financement, notamment pour les nouveaux d\u00e9veloppements ou les propri\u00e9t\u00e9s sur plan.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534029487\",\"position\":3,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534029487\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En r\u00e8gle g\u00e9n\u00e9rale, les banques tha\u00eflandaises proposent un ratio LTV d\u2019environ 50 \u00e0 70\u00a0% aux acheteurs \u00e9trangers, en fonction de la propri\u00e9t\u00e9 et de la situation financi\u00e8re de l\u2019emprunteur.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534035383\",\"position\":4,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534035383\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, certaines banques et institutions financi\u00e8res internationales proposent des pr\u00eats offshore aux acheteurs \u00e9trangers souhaitant investir dans l\u2019immobilier tha\u00eflandais.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534047863\",\"position\":5,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534047863\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dans certains cas, les banques \u00e9trang\u00e8res peuvent proposer des pr\u00eats pour l'achat de propri\u00e9t\u00e9s en Tha\u00eflande, mais cela est moins courant que le financement local ou offshore.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534053671\",\"position\":6,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534053671\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les taux d'int\u00e9r\u00eat pour les acheteurs \u00e9trangers sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s que pour les ressortissants tha\u00eflandais, allant de 5 \u00e0 8 %, selon la banque et le type de 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tha\u00eflandaise.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534073655\",\"position\":8,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534073655\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, un acompte de 20 \u00e0 30 % de la valeur de la propri\u00e9t\u00e9 est g\u00e9n\u00e9ralement requis pour les acheteurs \u00e9trangers obtenant un pr\u00eat.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534084735\",\"position\":9,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534084735\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le processus d\u2019approbation du pr\u00eat peut prendre plusieurs semaines \u00e0 quelques mois, selon le pr\u00eateur et la complexit\u00e9 de la demande.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534093391\",\"position\":10,\"url\":\"https:\\\/\\\/www.heveatecture.com\\\/fr\\\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\\\/#faq-question-1728534093391\",\"name\":\"\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, il est fortement recommand\u00e9 de faire appel \u00e0 un avocat pour garantir que tous les contrats et transactions sont juridiquement contraignants et conformes \u00e0 la loi tha\u00eflandaise.\",\"inLanguage\":\"fr-FR\"},\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comment obtenir un financement pour acheter une propri\u00e9t\u00e9 \u00e0 Koh Samui - Heveatecture","description":"D\u00e9couvrez les options de financement pour acheter 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mais il est plus difficile pour les \u00e9trangers d\u2019obtenir un pr\u00eat hypoth\u00e9caire. Certaines banques tha\u00eflandaises proposent des pr\u00eats aux \u00e9trangers, surtout s'ils ont des liens avec la Tha\u00eflande.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534017791","position":2,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534017791","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Oui, de nombreux promoteurs \u00e0 Koh Samui proposent des options de financement, notamment pour les nouveaux d\u00e9veloppements ou les propri\u00e9t\u00e9s sur plan.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534029487","position":3,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534029487","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"En r\u00e8gle g\u00e9n\u00e9rale, les banques tha\u00eflandaises proposent un ratio LTV d\u2019environ 50 \u00e0 70\u00a0% aux acheteurs \u00e9trangers, en fonction de la propri\u00e9t\u00e9 et de la situation financi\u00e8re de l\u2019emprunteur.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534035383","position":4,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534035383","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Oui, certaines banques et institutions financi\u00e8res internationales proposent des pr\u00eats offshore aux acheteurs \u00e9trangers souhaitant investir dans l\u2019immobilier tha\u00eflandais.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534047863","position":5,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534047863","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Dans certains cas, les banques \u00e9trang\u00e8res peuvent proposer des pr\u00eats pour l'achat de propri\u00e9t\u00e9s en Tha\u00eflande, mais cela est moins courant que le financement local ou offshore.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534053671","position":6,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534053671","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Les taux d'int\u00e9r\u00eat pour les acheteurs \u00e9trangers sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s que pour les ressortissants tha\u00eflandais, allant de 5 \u00e0 8 %, selon la banque et le type de pr\u00eat.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534063759","position":7,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534063759","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Les \u00e9trangers ne peuvent pas poss\u00e9der de terres directement, mais peuvent conclure des contrats de location \u00e0 long terme ou poss\u00e9der des biens par l'interm\u00e9diaire d'une soci\u00e9t\u00e9 tha\u00eflandaise.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534073655","position":8,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534073655","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Oui, un acompte de 20 \u00e0 30 % de la valeur de la propri\u00e9t\u00e9 est g\u00e9n\u00e9ralement requis pour les acheteurs \u00e9trangers obtenant un pr\u00eat.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534084735","position":9,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534084735","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Le processus d\u2019approbation du pr\u00eat peut prendre plusieurs semaines \u00e0 quelques mois, selon le pr\u00eateur et la complexit\u00e9 de la demande.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534093391","position":10,"url":"https:\/\/www.heveatecture.com\/fr\/comment-obtenir-un-financement-pour-acheter-une-propriete-a-koh-samui\/#faq-question-1728534093391","name":"","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Oui, il est fortement recommand\u00e9 de faire appel \u00e0 un avocat pour garantir que tous les contrats et transactions sont juridiquement contraignants et conformes \u00e0 la loi tha\u00eflandaise.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"}]}},"_links":{"self":[{"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/posts\/38412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/comments?post=38412"}],"version-history":[{"count":1,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/posts\/38412\/revisions"}],"predecessor-version":[{"id":38418,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/posts\/38412\/revisions\/38418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/media\/33417"}],"wp:attachment":[{"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/media?parent=38412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/categories?post=38412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.heveatecture.com\/fr\/wp-json\/wp\/v2\/tags?post=38412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}