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condo purchase process
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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.