ask
Search
Ask
Answered9 days ago

What steps should we take for purchasing property in Thailand as retirees on a NON-O visa?

Suzy ********************
asked Oct 18, 2026
2.7k
views
23
replies
2
likes
Hello. We (hubby and >) are coming over to purchase a property in june..(just for 18 days so wont need a visa). If we secure our property we are hoping to be back over end of the year or early 2028. We will be in a retirement visa. Should we get our visa first and then an agent once over to sort bank account and ongoing visa renewal or if we get the visa prior to arrival (one way ticket!) Will it be easy for us to open bank account as we will have our permanent address. So much to look into. We will have a small cockapoo too so we will need to find a vet for her 72 hour health check. Thanks for your input in advance
Answer summary
The poster is seeking advice on purchasing property in Thailand while on a retirement visa and whether to secure their visa before arriving. They are also interested in opening a bank account and ensuring their pet's health check is organized. Comments provided detailed steps for obtaining a NON-O retirement visa, the necessary documentation for purchasing property, the requirement of a Thai bank account, and caution regarding property-related scams. Multiple suggestions emphasized the importance of thorough research and renting as an initial step before buying.
23 repliesnewest first
12

Click comment and we will ask for your email, then OTP, then name.

Dora *******
Dora *******
Please be careful before puchasing. I would suggest renting for 6 months and not rushing into anything.
Mike **********
Mike **********
Dora Howie absolutely agree, there is no way I would currently buy a house or villa in thailand.

Ever deprecating asset as only 30yr lease despite what some agents will tell you.
Ronny *********
Ronny *********
1. Apply for a 90 day non-O retirement visa online at your countries embassy/consulate.

2. Enter Thailand using the visa.

3. Go to your local immigration office the next day to get a residence certificate and whilst you are there get the list of requirements to extend your stay and the form.

4. Get a Thai sim card for your phone linked to your passport.

5. Open a bank account using your non-O visa and residence certificate and sim card phone number + usually an additional form of id like a driving licence. You might need to try several banks to find a farang friendly one, so do this within the first week of arrival.

6. Transfer 800,000 baht into your Thai bank account.

7. Wait 2 months for your money to season, then return to immigration with all of the information provided on their list, the completed form and 1,900 baht in cash to get your extension.

8. The 800,000 baht may partly used during the first year but never may reach lower than
*****
0 baht, when needing a prolongation there must be
*****
0 bath again

To get the first visa you need

Applicant must be aged 50 years and over (on the day of submitting application).

2. Applicant not prohibited from entering the Kingdom as provided by the Immigration Act B.E. 2522 (1979).

3. Having the nationality of or residence in the country where applicant’s application is submitted.

4. Applicant must have a bank deposit of Account balance no less than 800,000 Baht

5. Hotel booking or accommoddation arrangements.

6. Itinerary showing flight from outside. to Thailand and flight out of Thailand.

For the proof of where you rent you need =

Signed copy of the Landlord's Thai ID card (or passport if the landlord is a foreigner).

Signed copy of the Blue Book (Tabien Baan, which shows the registered house/condo details and ownership).

Signed copy of the Chanote (Title Deed) or proof of ownership.

Rental / Lease Agreement signed by both you and the landlord.

TM.30 Receipt (Notification of foreign resident arrival submitted by the landlord to immigration).

Hand-drawn map showing the location of your residence (often required by local immigration offices, sometimes signed or verified).

Check your local immigration offices if they require less or more because not all immigration offices ask the same If you got your own property Ii am not very sure what the differences are for the paperwork with the rented property. Also inform you well about requested paperwork to buy anything in Thailand because I even think you cannot buy property before you get a Thai bank account, so you got to plan everything carefull in the right order get the right visas and be prepaired to stay the the requested time in Thailand or be prepared to come multitiple times to get everthing in order
Wayne *********
Wayne *********
No mention of which visa your thinking of for the 18 day trip but to open a bank account you need the Non O visa. You can not open on a tourist visa.
Suzy ********************
Suzy ********************
OP
Wayne Roberts..we dont need one for june as not opening an account then. Just when we move over there once secured retirement visa
Ian ******
Don *******
Don *******
Sounds like you are buying a lease which currently isn't really a property purchase here. It's more of a mid-term (30 year max) rental with advance payment.

You may be unaware that there are many property-related scams here. Condo purchase is pretty straightforward but leases can come with a lot of deception and fraud, so I would be inclined to consult an independent lawyer. Do NOT rely on any lawyer proposed by the vendor.

Personally I wouldn't touch leasehold or company ownership in Thailand with a bargepole but I have no qualms about owning my freehold condo here.
Nigel ********
Nigel ********
Best advice, just rent
Suzy ********************
Suzy ********************
OP
Hi all..yes I am aware of the lease that we will need..wr have done lots of research with friends owning condos and a house with a lease
Ant ***********
Ant ***********
Purchase a property 🫣

Make sure the agent has a foreigner working for them or the Agent is a foreigner working as a legitimate agent in a real estate partnership .

Many agents , claim to be agents and just have social media and or FB business pages listing properties on owners behalf

I hope you have researched the property ownership categories and how it works .

For over 50 years of age 100% easier & cheaper to apply for a Suitable retirement Visa from your home country through the Thai Embassy website ( All done online )

When you are ready to come - Apply for a Non-O 90 day single Visa from the Thai Embassy in your home country about 30-45 days before departure.

When applying online you will need to show the required funds in any bank account , some personal details & Flight details & proof of first weeks accommodation .

Once approved & arrive in Thailand you have 90 days to organise for the 12 month extension

No.1 requirement is

Within 2 weeks of arrival You need to set up a Thai bank account & deposit 800K Baht , per person , for at least 60 days to satisfy the extension

Go to the bank of choice & ask them what they require to open a bank account

You can also come to Thailand on a tourist Visa & get it converted to a Non-O retirement Visa for a much higher cost
Suzy ********************
Suzy ********************
OP
Ant W Tailor we will be 58

And 56 when we will apply
Suzy ********************
Suzy ********************
OP
Ant W Tailor Hi Ant..we are there in june so will check out the agents when there physically. There is so much to take in and know.
Ant ***********
Ant ***********
Suzy Jayne Fox-Baldwin

Do you have an area in mind ?
Suzy ********************
Suzy ********************
OP
Ant W Tailor

Yes..we were interested in mabprachan lake or jomtien but now as we live rural in scotland we like the look of bang Saray..hopefully we will find a house. Just a 2 bed so my kids can visit ..we need a house or condo ground floor because of dog 😄
Robert ************
Robert ************
You can only legally own in Thailand a condo no matter what realtor tells you .
Digby ********
Digby ********
Hoping you have researched foreigner property purchases, or one of you is Thai.

Also, if you intend to be resident in Thailand for more than 180 days a year, ensure your remittance into Thailand of the purchase money can be clearly traced back to whether capital or income, and you are aware of Thai tax implications.
Don *******
Don *******
Digby Strong That won't be an issue as they will be transferring the money in 2027 and they won't become tax resident until 2028.
Digby ********
Digby ********
Don Smith agreed regarding the house purchase,... -​but I wasn't assuming when the actual money was coming into Thailand, so just suggested some vigilence on the tax issue.
Suzy ********************
Suzy ********************
OP
Digby Strong yes..we are aware its just the property and not the land thankyou its appreciated 😊
Lynnette *******
Lynnette *******
Once you've got your visa before arriving, you won't need an agent for a bank account OR the 12 month extension of stay.
Robert ************
Robert ************
Of course you should get your visa first. They may not even give you any residency.
Suzy ********************
Suzy ********************
OP
Robert Twardowski we will start very soon as meet current criteria
Robert ************
Robert ************
Suzy Jayne Fox-Baldwin it’s all up to you .

Activity

12 joined
Suzy ********************
Suzy ********************
Suzy ********************
Suzy ********************
Suzy ********************
Suzy ********************
12
people
Thai Visa Advice and Everything Else
Thai Visa Advice and Everything Else
...members60% approval
Member 1
Member 2
Member 3
Member 4
Member 5
Member 6
Member 7
Member 8

Related

25
Can I apply for a retirement visa in Thailand if my funds have only been in the bank for 5 weeks?
9964212mo
Does my September 1 Immigration check-in deadline still apply after leaving Thailand with a re-entry permit on a NON-O Retirement Visa?
2.7k21353mo
Can I apply early for a retirement visa in Thailand if my bank funds haven't been seasoned for the required 60 days?
693461y
Will I face immigration issues at Bangkok airport without a return ticket on my non-O visa?
2.8k25161y
Can I apply for a retirement visa from my home country and what are the requirements?
1.1k681y
What are my options for obtaining a retirement visa in Thailand while on a tourist visa?
4.9k27821y
Can I get a retirement visa in Thailand without having 800,000 Baht in my bank account?
9.8k84931y
What are the experiences and steps for obtaining a residence certificate and applying for a retirement extension in Thailand?
2.3k17271y
What are the updated requirements for maintaining financial funds for a Non-O visa in Thailand?
4.8k38511y
Why are banks in Thailand currently not opening accounts for retirement visas?
5.1k36651y
What is the process for getting a bank account and visa in Thailand with the help of an agent?
11.4k1001142y
What are the recent updates on retirement visas and service prices during Songkran in Thailand?
6.7k401102y
What are the visa options for retirees in Thailand who want to teach English?
9.7k85652y
What are some recommended visa agencies for obtaining a retirement visa in Thailand?
2.5k23112y
Do I need my bank statement to be current on the day I apply for a retirement visa in Thailand and should I request a multiple entry re-entry permit now?
2.1k15172y
Is the 90 Day Non-O Visa Still Available for Application in Thailand?
1.2k6112y
What are the requirements for importing a cat to Thailand on a tourist visa and converting to a retirement visa?
7.4k61592y
What is the process and requirements for a retirement visa in Thailand, especially for those changing their plans?
2.3k15253y
What visa options do I have to stay in Thailand to care for my wife diagnosed with dementia?
5.5k28993y
Should I start working with a visa agent in October or wait until I relocate to Chiang Mai?
8.6k87513y
Is Jomtien Immigration still requiring proof of bank funds for extensions of stay?
1.7k1494y
What are the requirements for extending a stay visa for a spouse in Thailand?
1k674y
What is the limit for renewing a retirement visa in Thailand before its expiry date?
697265y
How long before my retirement visa renewal should I have 800K baht in the bank?
1.8k11196y
What is the best visa option for retiring in Thailand with a Thai spouse, and does citizenship make a difference?
1.9k13167y

Resources

Need help with your retirement visa?