Logic Sequence Home Financial Planning
Checklist-led consultations for Thais and residents buying a first home, upgrading, or holding property in Phuket and wider Thailand—cash flow, transfer duties, and loan structure reviewed before you sign.
Who benefits from a structured purchase checklist
We work with wage earners comparing condo versus house-and-land, families weighing school districts against commute costs, and overseas buyers pairing a Phuket base with Bangkok income. Each engagement maps your numbers to Thailand’s registration steps—not generic “wealth” slides.
If you only need a single bank product quote with no cash-flow model, a lender’s desk may suffice. If several banks, developers, or co-owners are in play, a documented plan reduces surprise fees at the land office.
Home purchase readiness checklist
Our checklist-led sessions walk through these items in order; you leave with marked gaps and next actions.
Income and debt picture
We list verified income sources, existing loans, and guarantor exposure so affordability math matches what Thai lenders request in practice.
Price, fees, and stamp layers
Purchase price is separated from transfer fees, specific business tax where applicable, and sinking-fund demands so your THB reserve is realistic.
Financing structure
Fixed versus floating portions, early repayment penalties, and insurance requirements are compared side by side before you apply.
Post-completion cash flow
Monthly ownership costs—including common area fees and planned maintenance—are projected against your budget, not just the loan instalment.
Tailored planning engagements
Consultations are billed as professional planning time, not packaged software. We prepare scenario tables for your property type—leasehold condo, freehold villa, or land plus build—and explain trade-offs in plain English.
Engagements can cover a one-off readiness review before you place a reservation deposit, or a short series of sessions while you negotiate price and loan terms. We do not sell properties or earn commissions from developers; our fee is for analysis and documentation you can share with your lawyer and banker.
Discovery call
Clarify goals, timeline, and documents you already hold.
Working sessions
Build the checklist outcomes and written summary for your file.
Questions we hear before the land office visit
- Do you guarantee loan approval?
- No. We model what lenders typically ask for; the bank makes the credit decision.
- Can you advise on foreign ownership rules?
- We explain common structures at a planning level and flag items for your qualified lawyer—we do not provide legal title opinions.
- Are fees quoted in THB?
- Yes. Planning fees are discussed in Thai baht during inquiry; published prices are not listed because scope varies by property type.
