@Dimitri *******
okay educate me, how does one loss the property in divorce if they signed a usufuct with the property? 4.5 million is the farang price. Thai people have a different price I know this as I spoke to a Japanese owners of a condo building and they deeply discount to thais to get the quota. and buying a condo sounds depressing. So are you educating me that it’s a better investment to give money to a stranger?
Your wife can get a 30 year loan and purchase a house and pay 11k a month. That way you are not throwing the money away to a stranger. Still get a usufuct. If you get bored of the house rent it out as an investment.
Renting 0% chance of making a profit. I am cool if you want to rent but it’s still throwing away your money with a 0% chance of return.