Home Loans FHA-Home-Loans.com FHA
FHA Home Loans.com - FHA loans from a FHA Mortgage Lender Specialized in Home Loansfor Buying a Home and Mortgage Refinances FHA Home Loans FHA-Home-Loans.com FHA loans from a FHA mortgage loan lender specialized in FHA loans - FHA Home Loans.com is not a Government Agency. FHA Loan Programs | FHA Loan Qualifying | Apply Now | Services | Tools | Contact Us | FHA Loans | Add to Favorites | Get Prequalified FHA Home Loans for Buying a Home or FHA Mortgage Refinances are Fast and Easy with FHA Home Loans.com FHA home loans allow first time home buyers and current home owners buy a home with less than 3% down or FHA home mortgage refinance up to 97% of the homes value. Research FHA loan programs which help you with buying a home with no money down , learn about FHA loan qualifications , or get a free FHA home loan prequalification . FHA-home-loans.com will show you the advantages of FHA home loans , why FHA loan qualifying is easier and how the regulated closing costs of FHA loans protect you. Use our free tools and services to receive FHA home loan s program updates, search homes for sale , maximum FHA loan limits, and our free FHA mortgage rate watch program. Bookmark FHA Home Loans.com now and refer it to family, friends, and co-workers. Get Started Now FHA Loans for Buying a Home or FHA Refinance Mortgages FHA Loan Highlights & News Free Home Buying Guides. Get Free Guides to Buying a Home & Home Buying Tips via Email >> Here . Get a Free Credit Report . Learn how to get a free credit report and view your credit report online instantly >> free credit report center . FHA Loan Programs FHA Loans for Buying a Home FHA mortgage refinance loans Down Payment Assistance FHA Streamline Refinance FHA loans for HUD Homes FHA loans for Officer Next Door Teacher Next Door FHA loans CHDAP loans Nehemiah home loans HART FHA loans Neighborhood Gold loans CHFA Loans loans (CHAFA) Access 2000 home loans 203K FHA home loans Home Improvement Loans Cash-Out Refinance FHA loans Single Family Home loans Units> Duplex Triplex Fourplex FHA home loans - Fixed Rates FHA Adjustable Rate Mortgages FHA home loans - 2/1 buydown Reverse Mortgage FHA Loan Qualifying Documents Needed FHA Qualification Summary Income Credit Savings Ratio's FHA Loan Process Information FHA Loan Application FHA Loan Processing Submission Underwriting FHA loans FHA Loan Approval Loan Documents Funding your FHA Loan Recording and Closing FHA Loan Closing Costs Property Appraisal Possible Closing Delays Get Qualified for a FHA Loan Apply Online - Get Prequalified Now Download Application - (.pdf file) Phone Fax In-Person Mail Please use any of the above options to get a FHA mortgage pre-qualification or a FHA mortgage pre-approval to discover exactly how much of a FHA loan and home you can afford. This is a free, no obligation service provided to you by FHA-Home-Loans.com. If you have a more specific questions please click on the link below and submit your question: Email FHA Home Loans for Help Free Services Free FHA loan Prequalification , FHA loan pre-approval FHA Mortgage Rate Tracking Free FHA Program Updates Free FHA Refinance Analysis FHA MIP Refund Tracker Rate Watch Report Free Online Credit Report - New Free Home Insurance Quotes Tools FHA Loan Limit Search Download FHA Forms FHA Loan FAQs Glossary of Terms Links , Books Search FHA home loans site Find a Realtor FHA home loans site map ARM loans consumer handbook Search Homes for Sale Search Homes for Sale Realtor Referral Service Find a Realtor Buying a home information California real estate FAQ's about FHA Home Loans Q. Can only a first time home buyer use the FHA loan program? A. No. You can use FHA home loans as many times as you desire when buying a home or doing a mortgage refinance. The only guideline is that you cannot have more than one outstanding FHA mortgage loan with a loan to value of higher than 75%. You can own rental property and purchase your primary residence using FHA mortgage financing. Q. Does FHA use a FICO credit score for loan qualifying? A. No. FHA is one of the only types of real estate mortgage loans that currently does not require a FICO credit score. Q. Can I streamline refinance my FHA loan at any time? A. Yes, you can streamline refinance assuming that the you are lowering your monthly payments or converting the loan to a fixed rate mortgage. Q. Can I buy a 4 Unit Home with FHA loan financing? A. Yes, you may use a FHA mortgage for buying a 2 , 3 , or 4 unit home assuming that the FHA mortgage amount does not exceed the maximum FHA loan limits for where the property is located. Q. Can I buy a home with no down payment and get 100% financing using a FHA loan? A. Yes. Using a FHA insured real estate first mortgage in combination with other specialized no down payment and first time home buyer loan programs, such as CHFA Loans , you may be able to buy a home with no money down. Q. How long after a bankruptcy can I use a FHA loans for buying a home or mortgage refinance ? A. You may buy a home or do a refinance mortgage using FHA loans two years after the date of discharge for a bankruptcy, assuming that you have maintained perfect credit since the discharge of the bankruptcy with a FHA streamline refinance loan . Q. How long after a Foreclosure can I use a FHA mortgage loan for buying a home or a refinance mortgage? A. FHA loans may be used for buying a home or FHA mortgage refinance three years after the final date of foreclosure assuming that your credit since the foreclosure has been perfect. Q. Are there any other home loan resources that can help me with buying a home or a refinance mortgage? A. There are some excellent resources on the internet. First we suggest you get pre-qualified for a home mortgage loan especially if you are a first time home buyer , you can search various home loan programs such as VA home loans , hard money loans for those with bad credit or CalPERS home loans (aka PERS home loans ) is you are a member of CalPERS, LRS or JRS. If you already own California real estate you can get a home equity loan or a home equity line of credit which can be used to purchase investment homes. If you plan home doing so you should order a annual free credit report then you should search real estate listings of homes for sale from real estate agents or real estate for sale by owner . More FAQs of FHA Loans > Equal Opportunity Lender | Fair Lending | Licensing | Privacy / Legal Statement | Disclosures | Questions | FHA loans site map We are not a government agency. We are a private California mortgage brokerage specialized in FHA home loans. FHA Home Loans.com - FHA loans | FHA mortgages | FHA refinance loan FHA-Home-Loans.com is not affiliated with or owned, operated or sponsored by HUD. Secure Funding - FHA mortgage loan lender. Contact HUD directly at: www.hud.gov 1999-2005 FHA-Home-Loans.com. All Rights Reserved URL.biz - Real Estate
selling home game console
Xbox 360 is the U.K.'s Fastest-Selling Home Console News for Xbox 360 on GamePro.com Microsoft's Xbox 360 is one step closer to world domination. UK data firm Chart-Track has announced that the Xbox 360 is the fastest-selling home game console released in the United Kingdom, beating out Nintendo's GameCube system. Actual figures aren't yet available. But it's likely that the overall shortage of Xbox 360 units in retail stores actually cramped this figure; had Microsoft been able to meet demand, who knows what the final U.K. launch figures might have been? Overall, though, this is a telling sign that Microsoft's global launch strategy is paying off. Now, all eyes are turning to the Japanese sales figures. Can Microsoft break into the notoriously insular Japanese gaming market? " PS2 / Xbox / GameCube / PC / Handheld / Wireless / Entertainment / -- Newsletters / Holiday Gift Guide PSP Guide -- News / Screenshots / Downloads / Cheats / User Reviews / Forums / Free Stuff / Shop Title Keyword Advanced Search --- Xbox 360 Game Finder Reviews Previews Cheats Strategies Features News RPG Sports Action Adventure Direct Feed Win a FREE iPod 2GB Nano! Be a part of the GamePro Team for a day Lucas Arts SWG New Player Experience 2K Sports Xbox 360 Sweepstakes Download and Play Peter Jackson's King Kong! Games.net Presents the 2005 Holiday Gift Guide Win A FREE Xbox 360! Free Newsletters! GamePro Weekly ProNews (daily) Cheats (weekly) Xbox 360 (weekly) PS3 (weekly) GameCube (weekly) Handheld (weekly) PC/Online (weekly) Xbox (weekly) PS2 (weekly) Sports Entertainment Hot Links Newsletters Action Replay Shop 5.0 list Release Calendar Retro PlaySmart The Hub Forums User Reviews Contests Letters Inside GP GP FAQ Register Update Info Magazine Subscribe and Save Subscribe to GamePro EX Inside Current Issue Gift Subscriptions Subscriber Services Past Issue Archive Latest Code Vault Xbox 360 / News / Xbox 360 is the U.K.'s Fastest-Selling Home Console Xbox 360 is the U.K.'s Fastest-Selling Home Console Info News Previews Review Cheats Strategies Features Downloads Prices Publisher : Micrososft Developer : Microsoft Release Date : Available Now ESRB Rating : Everyone 1 of 9 screens Advertisement Recent News Similar Games Final Fantasy Creator Goe... Xbox 360 May Not Be Avail... EA Casts Doubt on Xbox 36... LA Xbox Modders Charged f... Hackers: Xbox 360 Mod-Chi... Xbox 360 Games Already Be... Metal Gear Acid 2 Darwinia Lost In Blue Xbox 360 1503 A.D. Left Behind: Eternal Forc... Community Average 3.9 User Review • Go to User Reviews • Write your own User Review • Go to GamePro Forums • Go to the Official Forum Topic --- News by: Vicious Sid Posted: 12/06/05 [ view screens ] Microsoft's Xbox 360 is one step closer to world domination. UK data firm Chart-Track has announced that the Xbox 360 is the fastest-selling home game console released in the United Kingdom, beating out Nintendo's GameCube system. Actual figures aren't yet available. But it's likely that the overall shortage of Xbox 360 units in retail stores actually cramped this figure; had Microsoft been able to meet demand, who knows what the final U.K. launch figures might have been? Overall, though, this is a telling sign that Microsoft's global launch strategy is paying off. Now, all eyes are turning to the Japanese sales figures. Can Microsoft break into the notoriously insular Japanese gaming market? track this game / --- email this article / print this article / view screens Name Address City State ZIP Email Sponsored Links ©2005 IDG Entertainment. All rights reserved. Privacy Statement Terms Of Service Agreement Advertising Information IDG Entertainment Online Network: GamePro.com Games.net GamerHelp.com GameStar.com BlogFaction.com IDG.net: PCWorld Macworld Playlist CIO Computerworld CSO Infoworld JavaWorld Network World Networking for Small Business PC Advisor PC World Latin America Techworld ITWorld Canada PC World Canada IDG International GamePro.com Customer Service Subscribe Submit a Code Site Comments Contact Print Advertising Online Advertising Staff Jobs About Us Media Kit The 2005 Industry White Paper RSS Feeds Site Map
rental property Flats for
Properties to rent in Richmond BUY SELL LET LANDLORDS CORPORATE FOXTONS INFO CONTACT MY NOTEBOOK Foxtons homepage Let Properties to rent in Richmond Viewing 1 to 10 of 71 0800 138 60 60 Properties to rent in Richmond LET Results: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 || Next View 3 properties per page View 5 properties per page View 7 properties per page Viewing 10 properties per page View 15 properties per page View 20 properties per page View 30 properties per page Ordered by descending price Order by ascending price Order by area Order by bedrooms Properties to rent in Richmond : Use the page number links above to view more Properties to rent in Richmond. The dropdown boxes allow you to customise your search results. Click an ADD TO NOTEBOOK link to save any Properties to rent in Richmond to your shortlist where you can review them at any time. £2,150 per week ( £9,316 pm ) Contact me | Add to notebook 5 bedrooms Lion Gate Gardens, Kew, TW9 Boasting two reception rooms, conservatory, enormous kitchen/diner and lovely private rear garden, why not take advantage of the many entertaining possibilities in this simply stunning five bedroomed, detached house. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £2,000 per week ( £8,666 pm ) Contact me | Add to notebook 6 bedrooms West Temple Sheen, East Sheen, SW14 Modern luxury living is provided for in this stunning five/six bedroomed family home, boasting vast pool room with stunning swimming pool and sauna and opening onto the stylish, landscaped garden. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,962 per week ( £8,502 pm ) Contact me | Add to notebook 6 bedrooms Kew Gardens Road, Kew, TW9 The ultimate in luxurious family accommodation! This sumptuous six bedroomed house offers ample entertaining accommodation with a stunning open-plan kitchen/breakfast room opening onto a delightful garden. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,616 per week ( £7,002 pm ) Contact me | Add to notebook 6 bedrooms Queens Road, Richmond Hill, TW10 This beautifully presented six bedroomed house situated in the Richmond Hill area, offers the ultimate in modern family living, with beautifully maintained gardens, off-street parking and a private garage. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,385 per week ( £6,001 pm ) Contact me | Add to notebook 5 bedrooms Greenlink Walk, Kew, TW9 Offering a privileged position in the heart of the stylish Kew Riverside development, this stunning five bedroomed, detached house boasts flexible family living space with a separate double garage and studio apartment. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,339 per week ( £5,802 pm ) Contact me | Add to notebook 4 bedrooms Northumberland Place, Richmond Hill, TW10 This bright and spacious four bedroomed house, set in a gated development with off-street parking, benefits form stunning river views and central location moments from Richmond Bridge. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,339 per week ( £5,802 pm ) Contact me | Add to notebook 5 bedrooms Mortlake Road, Kew, TW9 Stunning five bedroomed house offering extensive living and entertaining space finished to exacting standards boasting a fab 28' kitchen/diner, a beautifully kept garden and an exquisite limestone bathrooms. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,270 per week ( £5,503 pm ) Contact me | Add to notebook 5 bedrooms Kelsall Mews, Kew, TW9 Luxury, state-of-the-art living! This superb five bedroomed modern town house within Kew Riverside is finished to exacting standards throughout and benefits from a private garden, double garage and separate studio. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,270 per week ( £5,503 pm ) Contact me | Add to notebook 5 bedrooms Kelsall Mews, Kew, TW9 Luxury, state-of-the-art living! This superb five bedroomed modern town house within Kew Riverside is finished to exacting standards throughout and benefits from a private garden, double garage and separate studio. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,154 per week ( £5,000 pm ) Contact me | Add to notebook 6 bedrooms Taylor Avenue, Kew, TW9 Full of character and set on a delightful tree-lined road in Kew this wonderful six bedroomed house is the perfect retreat from everyday life! The home further benefits from an office, lovely garden and off-street parking. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 || Next View 3 properties per page View 5 properties per page View 7 properties per page Viewing 10 properties per page View 15 properties per page View 20 properties per page View 30 properties per page Ordered by descending price Order by ascending price Order by area Order by bedrooms Text only sites: Sales | Lettings | New Homes © Foxtons 2005 Terms & Conditions Site Map Help 0800 138 60 60 HOMEPAGE Search for a property Search for an Open House -- Why use Foxtons? The letting process Jargon buster Free valuation request NEW SEARCH Type: Buy Long Let Short Let _______________ Max price: _______________ Bedrooms: All bedrooms Studio 1 2 3 4 5 6 or more _______________ Areas: Richmond OR CHANGE TO: All Areas LONDON: All London - Central - East - North - South - West Surrey USA: - New York - New Jersey - Connecticut _______________ Short Let - from a few weeks ADVANCED AREA SEARCH New search Refine this search Save this search QUICK SEARCHES: Houses for rent Flats to let London rental property Flats for rent in London Houses for rent in London London rental apartments London short lets Surrey rental properties Flats to rent in Surrey Houses to rent in Surrey
house rental Home Page
Rentals Hawaii vacation rental - condo / house - Kihei - Maui Hawaii Wailea - Maui Hawaii Kaunakakai - Molokai Hawaii Poipu Beach - Kauai Hawaii Waikoloa - Hawaii Hawaii Makaha - Oahu Hawaii Kapalua - Maui Hawaii Punalu'u - Oahu Hawaii vacation condo or house rental Home Page = USA Vacation Rentals = Hawaii Vacation Rentals Rentals in Hawaii Vacation Rental Properties A new window will open for each individual rental property clicked on. (#) - pictures - availability calendar Vacation Property for rent in Hawaii include: (cities are added as listings become available) 2005-12-29 Kapalua - Maui Makaha - Oahu Waikoloa - Hawaii Kaunakakai - Molokai Poipu Beach - Kauai Wailea - Maui Kihei - Maui Punalu'u - Oahu Kapalua - Maui Hawaii vacation rental return to top of Hawaii page or return to state list of USA vacation rentals Kapalua - Maui Hawaii vacation rental Kapalua Ridge Oceanview Condo Ocean and Sunrise Views (3) Listing #100 Kapalua - Maui Accom: 1 Bedroom 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): $1120.00 - $1330.00 Kaunakakai - Molokai Hawaii vacation rentals return to top of Hawaii page or return to state list of USA vacation rentals Kaunakakai - Molokai Hawaii vacation rentals Luxury Oceanfront Condo Adults Only - No Smoking (3) Listing #146 Kaunakakai - Molokai Accom: 1 Bedroom 1 Full Bath Condo Sleeps up to 2: Weekly Rate (USA Dollars): 735 - 735 Kihei - Maui Hawaii vacation rental return to top of Hawaii page or return to state list of USA vacation rentals Kihei - Maui Hawaii vacation rental Sugar Beach Oceanfront Condo 5 Miles of Open Beach (1) Listing #198 Kihei - Maui Accom: 1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $875.00 - $1435.00 Kihei - Maui Hawaii vacation rentals Nice Maui Beach Condo-$85+FUN Fab 1BR, slps 4, nr. #1 beach Listing #407 Kihei - Maui Accom: 1 Bedroom 1 Full Bath Condo Sleeps up to 4: Daily Rate (USA Dollars): 85 - 125 Kihei - Maui Hawaii vacation rental Ground Floor Ocean Front Deluxe Condo with Master Suite Listing #71 Kihei - Maui Accom: 2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 826 - 1190 Makaha - Oahu Hawaii vacation rentals return to top of Hawaii page or return to state list of USA vacation rentals Makaha - Oahu Hawaii vacation rentals AFFORDABLE & BEACHFRONT MAKAHA Spectacular 180 Ocean View (3) Listing #255 Makaha - Oahu Accom: 1 Bedroom 1 Full Bath Condo Sleeps up to 2: Weekly Rate (USA Dollars): $795 - $945 Poipu Beach - Kauai Hawaii vacation rental return to top of Hawaii page or return to state list of USA vacation rentals Poipu Beach - Kauai Hawaii vacation rental Views of Spectacular Sunsets Beach Just a Short Walk Away (3) Listing #96 Poipu Beach - Kauai Accom: 2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): $975 - $1225 Punalu'u - Oahu Hawaii vacation rentals return to top of Hawaii page or return to state list of USA vacation rentals Punalu'u - Oahu vacation rentals Hawaii Beachfront Rentals Oahu's North Shore in Punalu'u (3) Listing #121 Punalu'u - Oahu Accom: 1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $795. - $995. Waikoloa - Hawaii Hawaii vacation rental return to top of Hawaii page or return to state list of USA vacation rentals Waikoloa - Hawaii Hawaii rental Waikoloa Beach Resort OceanView Unit (3) Listing #215 Waikoloa - Hawaii Accom: 2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $1050 - $1050 Wailea - Maui Hawaii vacation rentals return to top of Hawaii page or return to state list of USA vacation rentals Wailea - Maui Hawaii rentals Wailea Ekahi Village 20E Beautiful Beachfront Location (3) Listing #240 Wailea - Maui Accom: 1 Bedroom 2 Full Baths Condo Sleeps up to 5: Daily Rate (USA Dollars): $195 - $240 Wailea - Maui Hawaii vacation rental Wailea Ekahi Village Condo 20A 2 Bedroom Maui Owner Rental (3) Listing #405 Wailea - Maui Accom: 2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Daily Rate (USA Dollars): 335 - 390 Wailea - Maui Hawaii vacation rentals Wailea Ekahi Ocean View Condo Oceanfront Village (3) Listing #98 Wailea - Maui Accom: 1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 1365 - 1540
purchase property for business
Thai Law Firm for land and property purchase by foreigners in Bangkok, Pattaya, Koh Samui, Koh Chang, Chiang Mai. Home Business Guide Publications FAQs Links Meet Us Contact Us Careers --- Proud Sponsor: Thailand Law Forum USA Visa Thailand LAND PURCHASE Buying land or purchasing property in Thailand is attractive for a variety of reasons. Some buy land to build a vacation or retirement home in Thailand while others purchase property for business and investment purposes. Our licensed attorneys have been supervising land purchases in Thailand for over 20 years. We specialize in protecting foreigners' rights in Thailand. Can a foreigner buy land or purchase property in Thailand? Thai law, in general, prohibits non-Thai citizens from buying land or purchasing property in Thailand. However, there are various exceptions to the law, as well as methods for foreigners who want to buy land or purchase property to acquire rights to land and property in Thailand legally. What are the options available for buying land or property in Thailand? For a foreigner wishing to buy land or purchase property in Thailand, there are mainly four options worth exploring. These include using investment, leasing, owning a company and marrying a Thai spouse. Investing/BOI : With significant investment of funds, foreigners may be allowed to own a limited amount of land under Thai property law. Some foreign companies seek and obtain the approval of the Board of Investment (BOI) to purchase land for a limited period. This option, however, is not available to the vast majority of non-Thai nationals seeking to obtain a second home, retirement home or investment in Thailand because of the legal restrictions involved. As a result, other options must be examined. Leasing : Thai property law allows a foreigner to lease land for a maximum of 30 years, with lease renewal options of 30 years. Many foreigners choose this method to secure land or property ownership. In comparison to setting up a company, land leasing is easier and requires less maintenance. (More information on land leasing in Thailand can be found here) Owning a company : A foreigner may use a Thailand-registered company to obtain property rights or land interest in Thailand. This "Thai" company must be at least 51% owned by Thai shareholders, while the remaining 49% or less may be held by foreigners. (Some law firms are still using the old law and recommending 39% foreign ownership.) Marrying a Thai spouse : A recent revision of Thai law has provided the opportunity for a Thai with a foreign spouse to buy land or property in Thailand. Prior to registering the land parcel at the Land Department, the couple may be asked to sign declarations, declaring that the funds for the property came solely from the Thai spouse. This may, in effect, result in the non-Thai spouse waiving his/her rights on the land or property. Such declarations may become problematic in a divorce case as the non-Thai spouse may have difficulties proving that the land was marital property. To prepare for such an event, a skillfully-drafted prenuptial agreement may be useful. How useful is a limited liability company for a foreigner who wishes to buy land or purchase property? This is one of the most popular methods employed by foreign investors who want to buy land or purchase property in Thailand. Although Thai law generally requires Thai nationals to own a majority interest in a company in order to legally purchase land or property, various legal documents and procedures can be used to provide greater protection for foreign minority shareholders. I am an American who owns 100 per cent of a Thailand-registered company under the Amity Treaty. Am I able to use this Amity Treaty company to buy land or purchase property? Unfortunately, an Amity Treaty company only allows Americans to transact in certain types of businesses. Under the Treaty, Americans can own a majority share in a Thai company but they are not granted the right to buy or purchase land in Thailand. How many types of title deeds are available for private land ownership? There are mainly three types of title deeds for private land ownership in Thailand. The best title deed for land ownership is the Chanot (Nor Sor 4), which must be registered at the Land Department in the province in which the land is located. Although it is possible for a land parcel to be commonly held by several individuals, only the person whose name is indicated on a Chanot has all the legal rights to that land. The deed can act as evidence of ownership, and it can be used to engage in legal acts upon that land as allowed by the law. The second and third best title deeds are the Nor Sor 3 Gor and the Nor Sor 3. For Nor Sor 3 title deeds, the Land Department does not utilize official markers to designate land boundaries. As a result, these title deeds have less specific land demarcation than the Chanot. Foreigners who intend to buy land should also be aware of the problematic "possessory right". This land-ownership right is not substantiated by a title at the Land Department but it is shown using tax payments. Title Deed Definition Chanot (Nor Sor 4) Full title deed Nor Sor 3 Gor Second best title deed. Used while awaiting measurement for a Chanot . Nor Sor 3 Third best title deed. Ownership may be established; Less specific boundary demarcation than a Chanot . Possessory Right One of the weakest land rights. Normally an inherited land right proven by tax payments at the local administrative office. Can you tell me more about land mortgages in Thailand? An application made in writing, followed by a registration at the Land Department of Thailand are two necessary procedures for land mortgages in Thailand. Buildings built on the land after the mortgage date will be not covered unless they were agreed upon prior to the signing of the mortgage documents. Such buildings and other immovable structures should be mortgaged and registered separately at the Land Department or local Amphur (province). I would like to know the pros and cons of utilizing company formation to own land in Thailand. With this approach, foreigners are able to acquire ownership interest in a freehold land in Thailand. This ownership is deemed permanent if the company stays in operation and does not sell or transfer the land. Company formation for the purpose of owning land would be suitable for people considering setting up businesses in Thailand; people with intentions of holding land for investment or for long duration; and as inheritance for future heirs. One other advantage of this type of ownership is the possibility of mortgaging and/or subdividing the land for resale purposes. This is a right normally conferred by land leases. For a Thailand-registered company to buy land legally, it must consist of Thai shareholders. Some foreigners hire Thai nationals to act as nominees of their company but this may be risky in the long run. These Thai nominees will become legal shareholders of the company and therefore, legally ow n the company. Even if there are ways of reducing shareholders' control in the company, it is still a risky approach to undertake for a foreigner. Another disadvantage is the need to maintain regulatory compliance of the company. The law requires a Thailand-registered company to file annual balance sheets and to maintain a company address. Moreover, companies that are not operating may be de-listed. It would, therefore, be wise to use an active company to purchase land or buy property in Thailand. If I hire a Thai national to buy land or purchase property on my behalf, can this person execute an agreement stating that the land belongs to me? In principle, it is illegal for a Thai national to buy land or purchase property on behalf of a foreigner. Therefore, the agreement carried out would be considered illegal and not put into effect. Which is a better alternative for buying land outside of Bangkok - hiring a local law firm from the province or a Bangkok-based law firm? A dearth of qualified law firms in provinces outside of Bangkok often poses problems for foreigners seeking a firm to handle all their legal needs. Before you hire a local law firm, do check that there is no pre-existing working relationship between the seller/Land Department officials and the local law firm. This is to prevent any biased assessments during the process of buying land. On the other hand, foreigners are able to find many qualified law firms in Bangkok. Bangkok-based law firms are able to commute to the provinces to execute the land transaction. Many foreigners feel more comfortable with this approach as these law firms operate independently and in full interests of the client (buyer). (Disclaimer: The information provided on this site is for informational purposes only. No warranty is expressed or implied. Before taking any legal action, persons are advised to seek the advice of an attorney qualified in the area of law concerned.) www www.sgalegal.com Siam Global Associates Co., Ltd. Suite 606, 6th Flr., Nai Lert Building 87 Sukhumvit Road, Klongtoey, Vadhana Bangkok 10110 Thailand Tel: (662) 650 3510 (-12) Fax: (662) 655 0655 E-mail: sgalegal@cscoms.com © 2001-2005 Siam Global Associates Co., Ltd.