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What is the best long-term visa option for retirement or marriage in Thailand considering citizenship aspirations?

Feb 8, 2026
3 months ago
Aussie ***********
ORIGINAL POSTER
Marriage visa vs retirement visa

I am currently working and I qualify for a retirement pension next year. I have met someone in Thailand that I would like to marry. I plan to visit Thailand later this year and I am considering to initiate marriage then. My goal is to become a Thai citizen to qualify for health care asap as taking out private health insurance long term would be very expensive or prohibited due to some pre-existing health conditions. I am getting married primarily because of the quality of the relationship, rather than for other reasons.

What do you consider as the best route to establishing long-term pathway to living in Thailand in my situation, preferably to include public health care. My pension will pay about 38,000 baht a month and l could get over the 40,000 baht threshold with bank interest payments.

I believe it takes 3 years to get citizenship in Thailand, does this have to be spent continuously living in Thailand, or can I spend a year after marriage in my own country to settle all my affairs and travel to Thailand every 6 or 3 months during this time. What do you suggest is the best pathway for me. Thanks in advance.
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TLDR : Answer Summary
The conversation revolves around choosing between a marriage visa and a retirement visa for long-term residency in Thailand. The individual considers marriage to a Thai citizen for citizenship and access to public health care but receives advice that a retirement visa may be the easier and more suitable option. Various comments emphasize the complexities of obtaining Thai citizenship, including income requirements, language proficiency, and residency duration. It is suggested that living in Thailand and gaining stability is preferable before considering marriage for legal residency. Concerns about health insurance and financial sustainability are also discussed, with a consensus leaning towards the retirement visa as a simpler pathway.
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Kane *******
TODAYS MATH QUIZ...

If Allen is 74yo and his girlfriend is 26yo... how much money does Allen really have ?
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Ralphy *****
You're dreaming on all fronts
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David **********
the health system in thailand is good i go to public hospitals when I have issues and have been cared for well. I would never get health insurance and I am safe in thailand
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PurpleO********
You don’t ‘must’ marry. No need to do that.

Do everything you wanna do, without the ‘marriage’ part.
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Dragan **********
Forget about citizenship.

Don’t even think about it .

Just get a retirement non o visa and extend it .

That’s the best option .
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Julian *******
You need to speak Thai fluently to get citizenship, and it is a lengthy costly process
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Martin ********
Stay at home
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Ossie *********
Thai Citizenship is a dream I’m afraid !getting married good luck on that suggest you live with them for a few years first go for a retirement visa and get an agent no need for 800k in the bank or medical but it’s costs more ,leave the 800 k in your home account the interest earned will cover your agents fees

Thaivisacentre.com is a highly recommended visa agent it costs nothing to contact them and seek advice
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Stuart *********
Sounds like you’ve not met your Thai partner in person yet & running to get married. Go to Thailand and spend time: with partner, meet family - feel the vibes. A lot of people get sucked in and rinsed dry by Thai females. Be careful & I wish all the happiness
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Miguel **********
😂 ok...where do I start? First of all it's very hard to obtain Thai citizenship, it would also require you to be able to have a basic conversation in Thai language where you also understand what's being said to you or being asked. I think it also involves being in the same passport with visa extensions without gaps in between and yearly community donations ( like you have to organize things and prove you actively invested enough - there is a yearly minimum requirement per year- anyways I'm not an expert but wish you luck. If Thai baht gets stronger vs your local currency your math falls in the water. If Thai baht weakens that would be good for you.. problem is you do y know the future conversation rates and your pension is small. Although you could just put 800.000 baht on a Thai bank account and qualify for retirement Visa. Bla bla find it out yourself 😂
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Jack ********
In most cases it takes 6-7 years to obtain citizenship. You need to be married for 3 years, you need to hold a work permit etc. Then you can start the process but in practice most successful applicants have been married for 5 years+, and after that the bureaucratic procedures begin, which take another 3 years. So realistic time for you to be Thai citizen is 2032-2034.
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RubyOst********
Buy health insurance lol
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Shane ***********
Have you been to Thailand before and lived with your GF and her family. Would recommend you try that first, start with 3 months, you can stay longer if it’s what you want
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Jo ******
If I were you, I would abandon the plan of obtaining Thai citizenship, because that is a no-go. That will remain just a dream. The requirements have already been described here by the other members, and you do not qualify for them. There is also no such thing as a “marriage visa” or a “retirement visa”; those are terms commonly used in everyday language.

Your best situation comes down to some other possibilities. You enter Thailand on a Non-Immigrant O visa and then apply for an extension of stay based on marriage or based on being over 50, provided you meet the financial requirements. Each year, you can apply again for a new extension, and in this way you can remain in Thailand as long as you continue to meet the conditions. This is the option used by most foreigners who stay in Thailand long term.

The other possibility is extremely difficult and comes with many conditions. Based on your explanation, you do not qualify for that option.

Good luck with your partner and your future in Thailand.
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Michael *******
Cant exist on 40,000 baht a month. After bills etc rent ! Need at least double. Depends on lifestyle.
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Somsap ********
If the goal is health insurance, why? The Thai health insurance system lets you go to public hospitals for almost nothing, but paying for it out of pocket for a falong is also minimal. Same hospitals as being on the social security system. If you have a problem paying for a public hospital visit, then you can’t afford to live here. Retirement visa is the way to go, non-O.
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Aussie ***********
ORIGINAL POSTER
Somsap Lackey Thanks for your (and others reply) i am leaning towards the marriage extension, is having private health insurance mandatory for the marriage or retirement extensions?
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Somsap ********
Aussie Koala 66 non o retirement needs no health insurance, non oa does. From what I’ve read from others, the insurance is hit and miss, meaning they can pay for something serious then drop you or make the payments unaffordable. The insurance would be for private hospitals, which are generally good but super expensive compared to the public hospitals. The same doctors go between the public and private hospitals, I believe they are obligated to do so. Diagnostic medicine at the private hospitals are pretty good, then if something is wrong, you can still get treatment at the public hospitals. The only issue at the public hospitals are the waiting times, but I don’t have any real schedule anyway.
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Somsap ********
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FarangJ********
Bureaucracy gone mad.
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Cris ******
Well oh boy... So this was a pretty simple post until you got down to "i want thai citizenship for free healthcare" that is an incredibly hard and long process with lots of luck. I would not bank on getting it...
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Strength *********
You be lucky to get your prominent residence in the first 10 years if you have connections with high ranking Thai officials in which I doubt you do.
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Doug ********
Citizenship takes years of residency and fluency in spoken & written Thai.
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Terary **********
I have done them both. I have known other fellows who have done them both. The general concensus is that the marriage visa is more complicated.

Ask a couple of agents the price of each... Likely you will find the agent charges a lot more for the marriage visa
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Jeff *************
You won’t be able to provide a life with only 38-40,000 baht to live on, do you other investments?
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John **********
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Derek *****
Easier to start a company, employ yourself, and then join on Thai social security.
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Osian ********
Y-tf would you get married if you can afford the retirement visa, stick to retirement visa, marriage is a mugs game, and you will almost definitely get burned somewhere down the line. It definitely will not help gain citizenship, only extremely wealthy people that are prepared to place a lot of investment in the country get that privilege. If your pre-existing conditions are going to be of an expensive concern i would consider you stay in your home country.
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David ******
Your absolutely deluded if you think you're getting citizenship anytime soon and your pension is a pittance. Dream on.
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Derek ********
Think it through again and again and again
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Ron ********
Maybe I misunderstand. You are set on marrying someone you have not met in-person? Plus you plan on residing and even try to gain citizenship in a country that you have never been to?
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David *********
Calm down brother ! What could possibly go wrong with those ideas ??
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everything .

Start with a retirement Visa , forget all the other stuff , do your first 5 years , then consider your future from there .

Forget citizenship , of little benefit anyhow and would take much longer than that .
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Aussie ***********
ORIGINAL POSTER
David Moloney thanks David (and others) for your advice. It does seem retirement extension is easier and and simpler in a lot of ways.
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Andrew ***********
@David ********
dont think he has any clue or done any research lol thai citizenship haha
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David *********
@Andrew **********
I think the " getting married " part is far more dangerous Andrew .
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Andrew ***********
@David ********
that wont help with citizenship haha
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David *********
@Andrew **********
No .. certainly it will not .

But marriage is vastly MORE dangerous and stupid .
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David *********
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Paul *******
There is no compulsory requirement to have health insurance If you have a Non O visa and get 12 month extensions .
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Jake *****
Highly recommend trip and enjoy everything in Thailand, but marriage and Thai citizenship are forget it 😎😎
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ConfidentR***********
Retirement visa is lots easier to do than marriage visa
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Bill *********
ConfidentReindeer9537 And a lot smarter. Never wise to have your future dependent on a female.
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Bill *********
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Deepak *******
Find somebody who already has a government job, and you can get into your spouse's health insurance. Becoming a Thai citizen is not simple. Even if you become a Thai citizen, you won't be guaranteed entry into Thailand's health care system for free.
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Aussie ***********
ORIGINAL POSTER
@Deepak ******
thanks. Good to know.
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Aussie ***********
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Wayne ********
You will more than likely be expected to help if not fully support your wife’s family.
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Bill *********
@Wayne *******
It'll be amazing how many relatives suddenly appear when a farang shows up!
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Bill *********
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Daniel ***************
5555555555
**********
*****
*****
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Nongnuch ********
Foreigners typically need at least five consecutive years of residency, a valid work permit, a minimum monthly income (often ฿80,000, or ฿40,000 if married to a Thai citizen), good character, and basic Thai language proficiency. The process requires a points-based application, interview, and approval from the Ministry of Interior.

Key Ways to Acquire Thai Citizenship

By Birth: A child born to a Thai father or mother, regardless of location, is generally entitled to Thai nationality.

By Naturalization: Foreigners may apply after 5 years of legal residency, working in Thailand, and paying taxes.

Marriage: Foreign women married to Thai men may apply for citizenship, often with reduced time requirements (sometimes after one year of marriage).

Permanent Residency: Holding a PR certificate for at least 5 years allows for a citizenship application.

Core Requirements for Naturalization

Age: Must be at least 20 years old and sui juris (legal age).

Residency: At least 5 consecutive years in Thailand with valid visas/extensions.

Employment & Income: A steady job, a work permit, and a monthly income of at least ฿80,000 (or ฿40,000 for those with familial/educational ties).

Language: Basic Thai proficiency, including understanding and speaking, is tested during the application.

Behavior: A clean criminal record and good moral character.

Documentation: A Yellow Tabien Baan (house registration) is highly recommended and often necessary for the process.

Application Process

Submit Documents: Applications are submitted to the Special Branch Police in Bangkok or provincial police headquarters.

Interview: A formal interview is conducted to test language and intent.

Fees: The application fee is 10,000 THB for adults.

Approval & Oath: If approved, a citizenship certificate is issued, and a citizenship oath must be taken.

Important Information

Dual Citizenship: Thailand permits dual citizenship.

Tax Records: Applicants must provide evidence of having paid personal income tax in Thailand for at least 3 years.

Language Requirement: Applicants must be able to sing the Thai national anthem and the Royal Anthem.
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Aussie ***********
ORIGINAL POSTER
Nongnuch Kamdee Thanks so much for your detailed information.
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Aussie ***********
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Ciaran ****
To become a Thai citizen, you have to be actually working and have a valid work permit here in Thailand. And secondly becoming a citizen to get free health insurance is not a valid reason.
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Steve ***********
Reconsider the marriage we all go through that stage. Learn the girl, learn the family
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Jon ********
Get a retirement extension. I have had both. Marriage and Retirement. It’s a lot less paperwork and you are independent from your wife’s blackmail
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Bill *********
Jon Warner Absolutely. Good someone with experience speaks up here. Why would you ever have your longevity of living in Thailand dependent on the whim of a moody female!
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Bill *********
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Aussie ***********
ORIGINAL POSTER
Thanks everyone for your thoughtful and considerate responses. If l can meet the 800,000 baht, does this have to be in a Thai bank account? What are the benefits and advantages between the Retirement and Marriage extension visas. Will l need to have private health insurance till l pass, which I understand could be problematic and expensive given some pre-existing health conditions, (but nothing serious like heart problems or cancer).
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Alexander *************
Aussie Koala 66 the money has to be on a Thai bank account. And for avoiding any questions better leave it untouched. Visa O based on retirement is the easiest one - you don’t need excessive paperwork, no health insurance only a certified bank statement from your bank. By the way the fluency for the Thai language are not so advanced. You don’t have to write only speak but there is also a quota how many are applicable each year I think 100 from each nation. I would think this is not a good way to go.
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Aussie ***********
ORIGINAL POSTER
Alexander DThornerian Thanks Alexander. Does non health insurance also apply for the marriage extension? Is helping out in my spouse's shop considered working and if so, would the marriage extension for a potential work option be better than a retirement extension?
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BC ********
Aussie Koala 66 health insurance NOT needed for non-O based on marriage extension.

Health insurance is only needed specifically for non-OA as far as I know. Non-o category doesn't need health insurance. So don't worry about health insurance for visa reasons.

Helping out in spouse's shop is working, it's not allowed. I'm sure a lot do help out to some degree, but that doesn't make it legal. Up to you how much of a risk you're willing to take.
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BC ********
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Aussie ***********
ORIGINAL POSTER
On a retirement or marriage visa. Will l need private health insurance whilst l am living, and will this be challenging to purchase as i get older?
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Max **********
Aussie Koala 66 Depends on pre existing conditions of your health once you turn 70 medical insurance is hard to get and in most cases unaffordable. If you are in Medibank you can return to Oz if anything serious.
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BC ********
Aussie Koala 66 Health insurance is NOT needed for the visa or later extensions.
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BC ********
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Robert *********
Aussie Koala 66 if your retirement age you are looking at
*****
a year at least for health care
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Mark *********
Robert Merrell
*****
baht?
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Robert *********
Mark Ritchie minimum.yes baht
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Robert *********
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Aussie ***********
ORIGINAL POSTER
Robert Merrell with health insurance are there any providers that l should consider?
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Aussie ***********
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Robert *********
Aussie Koala 66 contact your nearest thainembassy by email for correct up to date info
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Robert *********
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Kim *******
Slow down, grasshopper. Much to learn, you have.
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Begona ***************
Kim Jones someone needs to tell him
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Begona ***************
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Jeanke **********
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Howard *******
Stay in Australia. Get married and have your new wife migrate and obtain Australian citizenship. As your marriage plans are based on a sound relationship, this is probably the best plan for you both when you consider such things as your present stable life and health care. You can visit Thailand regularly for family connections.
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David **********
Howard Small it costs over
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Australia n dollars to get visas in Australia and citizenship test for Australia are not easy
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Naveed *******
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Howard *******
David ChinneryRubbish. I know people from Thailand and the Phillipines who have easily passed the test and obtained Australian citizenship and employment. No where near AUD
*****
unless you are being ripped off by some immigration agent. It will be less costly and less complicated to have your wife obtain Australian citizenship than for you to get Thai. If you can’t handle that maybe you should rethink your plan.
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Rick *********
Howard Small you need to do more research on Australian permanent residency visas, they are not as cheap or easily accessible as you may think, I have been through the process so know what it entails.
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Rick *********
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Lee *************
Howard Small unable to live in Australia, only survive, the place is buggered now, costs to much.
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Strength *********
Howard Small he can't keep up with the cost of living in Australia
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Howard *******
Strength AndWill up to him. I live on age pension OK at age 82
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Howard *******
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Claude *******
Howard Small agree 100% 👌
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Claude *******
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Sebastian ********
I think you best do some more research regarding citizenship. Knowledge of Thai language, working and paying taxes here to name 2 hurdles. Believe me, it is a pipe dream for you. Best just go for extensions of stay preferably based on retirement which is a lot easier than marriage.
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David **********
garbage, tax is reasonable why stop someone changing to thai
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Sebastian ********
David Chinnery what are you trying to say? None of your post makes any sense!!
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Sebastian ********
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Sean **********
I agree. I tried the Spousal visa first. Did not realize my marriage certificate among other documents needed to be translated back in the US I had 800k baht to leave in a Thai bank account. The Non-O Retirement Visa was so much easier .
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Dava ***********
Sean Franjesh me too…
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Dava ***********
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Dirk **************
Speak for yourself.
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Dirk **************
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Steve ********
Thai citizenship doesn't come in a cornflakes box like Australia. They actually have rules here and enforce them. Do more research on visas, but if you don't have at least the 800k to put in a bank things will be tough for you.
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John **********
Thai citizenship not going to be an option for you if you are retired, whether you are married or not. You need to have held a work permit and worked inside Thailand for 3 years to qualify
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Dava ***********
@John *********
and you can’t get a work permit when on a retirement visa.
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Tony ********
Dava Bunyaratt
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Lynnette *******
Tony Taylor as he said, can't get work permit on retirement visa/ extension.
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Lynnette *******
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Tony ********
@John *********
you may want to look that one up as AI says they are looking to introduce it
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John **********
@Tony *******
never trust AI when it comes to thai immigration issues. There is so much misleading information out there it is invariably wrong
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John ********
I asked Gemini if their screenshot was true and it said ‘mostly’. 😆

I’ve been using it as another tool for my non O and other visa and immigration matters and it’s dangerously wrong sometimes or it omits important ceveats. You’ve got to be so careful with it. I’m not at the stage of trusting it despite using it.
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Tony ********
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Tony ********
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John **********
@Tony *******
false information
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Tony ********
@John *********
how can you say that when its just introduced and obviously have not looked it up
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John **********
@Tony *******
1. It's not been introduced

2. Where would I look it up when it's not available anywhere
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Tony ********
@John *********
the ministry of foreign affairs has all the information with all new and proposed rules its that simple
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John **********
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Tony ********
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Tony ********
@John *********
thailand ministry of home affairs website site
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Tony ********
@John *********
ok thats asked to thailand immergration
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Tony ********
@John *********
well so far you say you know more than my AI system which searches thousands of websites including government home affairs immigration wed sites with upto date information which tells me a lot don't you think
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Tony ********
@John *********
rich Russian Chinese visa this one does exist
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John **********
@Tony *******
The Thai Privilege visa is avaliable for anyone willing to pay for it. I'm not sure what point you're trying to make
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John **********
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Tony ********
@John *********
what if you have a business with your partner for three years
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John **********
@Tony *******
you still need a work permit and to meet the income requirements and have paid taxes for 3 years. From memory it's 40k baht per month if married and 80k baht per month if not married
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Tony ********
@John *********
what about this new visa is it true that if you now own or rent property you get a visa that doesn't expire as long as you own or rent a property
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Tom *********
Tony Taylor no such thing exists.
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Tevita ******
Tony Taylor talking about it… not yet ‘approved’ - may or may not happen
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Tony ********
Tevita Tuki I found this on AI it looks like it depends on how much.you invest in property
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Kevin *******
Tony Taylor I have a condo value around 3.6 million baht and a house valued at around 4 million ! Would you know if I could get a visa on either of these ? Tia
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Tony ********
Kevin Dunne 49 percent
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Tony ********
Kevin DunneKevin Dunne no you would not if its just started where do you lot get this from if its just coming in you have not been told of it how would you know about it unless you actually go and look it up
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John **********
@Tony *******
there is no new visa
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John **********
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