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Although I was initially worried, I was impressed by the staff’s excellent follow-up and detailed advice at every step of the document preparation process. I would recommend this service to Thais living abroad who want to take out a home loan. They provide good advice, the process isn’t overly complicated, and the entire process took less than half a year from start to finish.
Name: Ms. Prapassorn Borisut
Age: 30
Current Occupation: Researcher
Work Location: Singapore (1.5 years ago)
I want to buy back a house that is mortgaged to a bank so my parents can continue living there.
Q: Were you initially worried about applying for a loan while working abroad?
A: “I was worried, to be honest. I’ve been trying to inquire about loans since the middle of last year, but I was rejected repeatedly. Some places only offered 50% of the house price or less, or required a co-borrower with a salary meeting specific requirements in Thailand, which was very difficult.”
“Then one day, my sister sent me a link to Sun Gateway, so I added them on Line and have been contacting them ever since to apply for the loan. At first, I was worried that the approved loan amount wouldn’t be what I wanted.” “Because I’ve been working for a year and a half and haven’t saved enough to cover the difference, I tried to find a company or bank that could approve a loan amount that I needed.”
Q: Were you initially confident that Sun Gateway would approve your loan?
A: “Not at all (laughs). My hopes were low from the moment I started talking to other companies last year. Even when I talked to them, I didn’t have high expectations. But I felt that from the beginning, the staff were very attentive and helpful, and I started to have hope when they assessed the initial loan amount, thinking it might be approved. During that time, I didn’t look for other places. I thought that if it wasn’t approved here, it would be the last option, and I wouldn’t try anymore.”
Q: What was your experience like when you found out the result?
A: “I was probably at work as usual on a weekday. They sent an email, which I usually check all the time. Shortly after, a staff member messaged me on WhatsApp asking if I’d seen the email, if I’d received the approved amount, and if I was ready to proceed with the next steps. Something like that.”
Q: And did you agree to the loan right away?
A: “Yes, I agreed right away. It was like I had no other option, and this was the last resort. I thought that if it wasn’t approved, it wasn’t approved; if it was, I would accept it. I was going to take it no matter what.” “Because the house we’re buying is mortgaged to the bank, and we’re buying it back for my parents who have lived there for over 10 years. The previous owner (a close friend of my father’s) is having problems, and we don’t want to move, so we want to buy this house at a price close to the mortgage value.”
Q: How much assistance did the Sun Gateway team provide in terms of document preparation and other aspects?
A: “Actually, they helped a lot. The company was very detailed in listing all the documents we needed. They explained what to do if we didn’t have them, and how to handle sending, signing, and other things if it wasn’t convenient. They explained every step in detail, what to prepare, how many copies were needed, and whether to use originals or copies.”
“The staff were very thorough. I asked about anything I wasn’t sure about. For example, I didn’t understand what a cashier’s check was at the bank, so I asked, and they explained it. They also answered questions about payment and subsequent transactions.” “They provided very detailed instructions.”
Q: Finally, what advice would you like to give to Thais living abroad who want to own a home like you?
A: “Actually, if you work abroad and save a lot of money, you can buy it with cash because you already have Thai citizenship. But for those who don’t have the cash ready and are trying to find a loan, I would recommend Sun Gateway. I think it’s not too complicated.**
“This company provides good advice. Honestly, at first, I didn’t believe this company actually existed. My sister told me about it, so I searched the internet and called the Government Housing Bank (GHB) to ask if this company and someone with that name really existed. Okay, they do exist and are trustworthy. I talked to the company, and they provided excellent advice throughout the process until today, when I got my house.”
Thank you for trusting Sun Gateway. Congratulations on your new home!
