Why would you get an education visa when you want a retirement visa? Just go to immigration and get your retirement visa. It’s there waiting for you to take it. I am flying out to Australia today because I want to go to Canada.
FYI, “Giving loans on a personal basis” sounds like criminal activity unless you have a legitimate loan company. Also, it raises red flags just because it is so unusual. Better not use the loan thing.
I live in Thailand for 6 months of each year. I do have a Thai bank account that has the required amount deposited to keep my visa valid. I never withdraw money and don’t have the bank app on my phone. So, it’s almost like I don’t have a Thai bank account either.