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Working part-time only 3 days a week, she was able to secure a home loan in Thailand, receiving a surprisingly satisfactory amount. Ms. Panadda advises Thais living abroad that if they want to own a home in Thailand, they shouldn’t worry about the process because Sun Gateway provides comprehensive advice, making the home loan process easy, convenient, and quick.
My name is Panadda Pholyiam, I’m 45 years old. I currently live in Sydney, Australia.
My occupation is Receptionist at the Shangri-La Hotel Sydney.
Q: How long have you been living in Australia?
A: I’ve been here for 14 years. I’ve only been working at Shangri-La for 4 years. Before that, I owned a spa business in Sydney.
Q: How was your initial time in Australia? Did you have to adjust much?
A: I went in 2014 because I met my boyfriend, so I’ve stayed ever since. The climate is better than in Thailand, and I hardly needed to adjust to the food at all. Because everything is available there.
Q: What are your plans for this house?
A: We plan to live here when we retire, probably in about 5 years. My partner will be 60 in 5 years, so we plan to retire and live in Thailand together.
Q: Were you worried before about working abroad and being able to get a home loan in Thailand?
A: Very worried! Because…
We don’t have any bank statements in Thailand.
We have no transaction history or credit history in Thailand.
We’ve never been employees in Thailand and have no activity with any Thai banks.
So we were very afraid of whether we would get the loan approved. Then we searched online and saw many reviews saying it was convenient, and we didn’t have time to handle the process ourselves.
Q: How did you find out about Sun Gateway?
A: We found it on Facebook. No one recommended it. We saw a house we liked and searched to see who could help with the loan application. We found Sun Gateway’s Facebook page and read the reviews; they were very solid. I didn’t hesitate to contact them after seeing their offers.
Q: Were you concerned about the time zone difference and whether it would be difficult to communicate?
A: Not at all. The time difference between Australia and Thailand is only about 3 hours, not a significant difference. The service was easy to understand, convenient, and very fast.
Q: Did you have any particular concerns about the loan amount?
A: I was concerned because I’m getting older, and my boyfriend works full-time, while I’m a part-time employee only 3 days a week, not 5 days like others. My income isn’t as high as someone with a full-time job. Plus, we’re not married yet (we plan to register next year). If we were married and could apply jointly, it would be easier, but I was working alone and only 3 days a week, so I was worried about whether I would get the loan amount I needed… But in the end, I got the loan amount I wanted and I’m very happy with it!
Q: Where were you and how did you feel when you found out you were approved?
A: Ms. Panadda: It was a holiday! I was so happy! I immediately called my mother in Thailand to tell her that the loan had been approved. “I got my house!
Q: Finally, what advice would you like to give to Thais living abroad who want to own a home in Thailand?
A: For anyone working abroad who wants to own a home in Thailand, I highly recommend Sun Gateway. It’s very easy and convenient. Even though I’m busy with work, I didn’t have to worry about where to start or how to do it. I just contacted them, and they guided me through everything I needed to know about preparing and getting started. It didn’t take long at all. I’m very happy! (smiles)
Thank you, Ms. Panadda, for trusting Sun Gateway, and congratulations on your new home!
