So in my country (USA) we are all about spending beyond our means. We use credit cards for many things and financing for bigger things. Like if you have a job you can spend 50 times what you earn in a year.

I know Thai are less inclined to buy stuff on credit - and good for them.

I have a good job (remote employer in US), a reasonably good income, a little cash in the bank.

How does someone like myself finance a condo?