Gaskiya Kai-tsaye: Me Ake Nufi da Tsarin Biyan Kuɗi a Phuket?
Dan Najeriya ko wani ɗan Afirka ko Larabawa da ke son sayen gida a Phuket, Thailand, ba zai iya samun lamuni na yau da kullun daga bankin Thai ba - wannan shari'a ce ta doka. Mafita da kasuwa ta gano ita ce: mai gini (developer) ya baka damar biyan kuɗi kai tsaye cikin shekaru 2 zuwa 5, sau da yawa ba tare da wani kuɗin riba ba.
Mafi yawan masu saye a kasashen waje a Phuket suna biyan kuɗi gaba ɗaya - amma wa ya ke son biya a kashi-kashi ya sami wannan damar ta musamman ta hanyar tsarin developer.
Me Ke Faruwa a Kasuwar Gida ta Phuket Yanzu?
Adadin da ake magana a kai yana nuna girman wannan kasuwa. Bisa rahoton Colliers Thailand, tsakanin 2021 zuwa 2025, an kaddamar da gidaje 45,066 a Phuket, wanda jimillarsu ta kai baht tiriliyan 469.72 (kimanin dalar Amurka biliyan 13). A shekarar 2025 kaɗai, an fara ayyuka sama da 72 na sabon gini, dauke da gidaje 10,312 masu daraja baht biliyan 81.64.
Kawai a cikin 2026-2028, kamfanin Sansiri ya ayyana ayyuka 20 a Phuket masu jimillar baht biliyan 24. Kamfanin AssetWise - wanda ke da alaka da alamar 'The Title' - yana da kuɗin da ake jira na baht biliyan 21.669, wanda ke wakiltar kashi 57% na dukkan aikin kamfanin har zuwa Maris 2026. Wadannan manyan masu gini suna dogara sosai kan tsarin biyan kashi-kashi don jan hankalin masu saye daga kasashen waje.
Bisa bayanan Siam Real Estate, tsarin 'Easy Buy' a Thailand yawanci yana farawa da biyan kashi 10% zuwa 30% a farko, sannan sauran kuɗin a biya a cikin har shekaru 5, ba tare da banki ya shiga tsakani ba.
Taƙaitaccen Amsa: Abubuwa Muhimmu Kafin Ka Karanta Kari
- Tsarin da ya fi yawa: 30/70 ko 40/60 - dangane da matakan ginin
- Tsawon lokaci: watanni 12 zuwa 36 a lokacin gini; wani lokaci har wata 60 bayan an mika gida
- Kuɗin riba: 0% a yawancin lokacin gini; 3% zuwa 8% kowace shekara bayan an mika gida
- Kuɗin ajiya na farko: baht 100,000 zuwa 300,000 dangane da matakin gida
- Lamuni daga bankin Thai (ga baƙi): Yana yiwuwa ta UOB, ICBC (Thai), da Bangkok Bank - amma yana da wuya; riba tana farawa daga 6.5%, LTV har 50-70%, mafi ƙarancin kuɗaɗen shiga $3,000 a wata
- Gaskiyar bayan labari: mafi yawan masu saye baƙi a Phuket suna biya gaba ɗaya - tsarin kashi-kashi yana taimakawa waɗanda ba su da isasshen kuɗi don haka ba tare da banki ba
Hanyoyin Biyan Kuɗi Guda Huɗu: Wace Hanya Ta Dace Da Kai?
Hanya ta 1: Tsarin 30/70 a Lokacin Gini (Mafi Yawa)
Ka biya kashi 30% lokacin da ka sanya hannu a kwantiragin, ko a hankali cikin watanni 3 zuwa 6 na farko. Sauran kashi 70% za a biya a ranar da aka mika gida. Babu kuɗin riba kwata-kwata. A zahiri, kamar saukakakken aro ba tare da riba ba na watanni 18 zuwa 30.
Misali na ainihi: gida mai darajar baht miliyan 8 a cikin aikin 'The Title' na AssetWise. Sai ka biya kuɗin ajiya na baht 200,000, sannan baht 180,000 kowane wata na watanni 12 (jimillar baht miliyan 2.36), kuma ranar mika gida sai ka biya kuɗi na ƙarshe na baht miliyan 5.64.
Hanya ta 2: Tsarin 20/80 da Biyan Kuɗi Bayan An Mika Gida
Mai saye yana biya kashi 20% kafin an gama ginin, kuma kashi 80% da ya rage ana biyansa a tsawon watanni 24 zuwa 36 bayan an mika gida. Wannan shine inda kuɗin riba yake bayyana - yawanci 3% zuwa 8% kowace shekara.
Ya fi yaduwa a gidajen villar da farashi ke tsakanin baht miliyan 15 zuwa 40 - inda biyan adadi mai yawa gaba ɗaya ba shi da amfani ko ga mai arziki ma.
Hanya ta 3: Lamuni daga Bankin Thai
Na yiwuwa a takardu, amma yana da wuya da aiki. Bankunan da ke aiki da baƙi kadan ne:
- UOB Thailand - yana ba da lamuni har kashi 70% na darajar gida (LTV) ga 'yan wasu kasashe; riba tana farawa daga 6.5%
- Bangkok Bank - akwai shirin musamman ga masu izinin aiki a Thailand
- ICBC (Thai) - ya fi mayar da hankali kan masu saye 'yan kasar Sin
Abubuwan da ake bukata sun haɗa da kuɗaɗen shiga na baht 80,000 zuwa 100,000 a wata tare da takaddar aiki ko biza ta kasuwanci, da tarihin kuɗi nagari. Amincewar takardun na ɗaukar kwanaki 45 zuwa 90. Ga mafi yawan baƙi da ba sa aiki a Thailand, wannan hanya ta rufe.
Hanya ta 4: Aron Kuɗi Daga Ƙasarka ta Hanyar Kadarar da Kake da Ita
Wasu masu saye suna aron kuɗi a ƙasarsu - ta amfani da gidan da suka riga suka mallaka, ko hannun jarin da ke wurin, ko kasuwancin da ke tafiya - sannan suna aika kuɗin zuwa Thailand. Wannan hanya na iya bawa kuɗin riba mafi ƙanƙanta idan haka yake a ƙasar mai saye, kuma yana sanya mai saye ya zama kamar yana biya gaba ɗaya ga mai gini a Thailand - wanda ke taimakawa wajen tattaunawar farashin.
Jadawalin Kwatankwacin Hanyoyin Biyan Kuɗi
| Siffa | Tsarin 30/70 (Gini) | Tsarin 20/80 (Bayan Mika) | Lamuni Bankin Thai | Aron ƙasar Waje |
|---|---|---|---|---|
| Biyan farko | 30% | 20% | 30-50% | 0% (ta kadarar da ke waje) |
| Kuɗin riba | 0% | 3-8% a shekara | 6.5-8% a shekara | Dangane da ƙasa |
| Tsawon lokaci | Watanni 18-30 | Watanni 36-60 | Har shekaru 20 | Shekaru 15-25 |
| Saukin samun (baƙi) | Yana da sauƙi | Matsakaici | Yana da wuya | Dangane da yanayi |
| Sauri na amincewa | Kwanaki 1-3 | Kwanaki 1-7 | Kwanaki 45-90 | Kwanaki 14-60 |
| Haɗarin mai saye | Matsakaici (dangane da mai gini) | Sama da matsakaici | Ƙarami (banki yana duba aikin) | Haɗarin musayar kuɗi |
| Ƙarin biyan kan baht miliyan 10 | Baht 0 | Baht 450,000 zuwa 1,200,000 | Baht 1,300,000 zuwa 2,400,000 (shekaru 5) | Bai dace ba |
Haɗarori da Kuskuren da Ka Guji
1. Rashin karanta kwantiragin (SPA) da kyau. Duk sharuɗɗan biyan kuɗi suna cikin kwantiragin siyan gida (Sale and Purchase Agreement). Ka kula musamman da: hukuncin biya mai jinkiri (yawanci 1% zuwa 1.5% a wata), yanayin soke kwantiragi (mai gini na iya riƙe 25% zuwa 30% na duk kuɗin da ka riga ka biya), da ranar da za a mika gida. Kullum je da lauyan dukiya na Thai mai cancanta.
2. Mantawa da takaddar FET. Duk wata canja-wurin kuɗi daga ƙasar waje dole ne ya wuce bankin Thai tare da takaddar Foreign Exchange Transaction (FET). Ba tare da wannan takarda ba, Ma'aikatar Filaye ba za ta yi rijistan mallaka ba. Biyan kuɗi ta minicin musayar ba ya amfana.
3. Ƙarancin shirye-shirye don biyan kuɗin ƙarshe. Tsarin 30/70 yana jin daɗi a farko. Amma kashi 70% na darajar gida adadi ne mai yawa. Idan yanayin kuɗin mai saye ya canza a lokacin ginin, yana iya rasa duk kuɗin da ya riga ya biya.
4. Jujjuya tsarin biyan kuɗi da tabbacin banki. Tsarin biyan kuɗi na mai gini ba tabbacin banki ba ne. Idan mai gini ya fadi, mai saye yana shiga layin masu bin kuɗi a kotun. Wannan shine dalilin da ya sa zaban mai gini nagari ke da matukar muhimmanci. AssetWise da karan baya na baht biliyan 21.7 da Sansiri da niyyar samun kuɗin shiga na baht biliyan 39 a 2026 misalai ne na kamfanonin da aka jera a Tsarin Musanyar Hannun Jarin Thailand (SET) masu rahotannin kudi bayyananniyar.
5. Mantawa da kuɗaɗen sayan da ke waje da farashin gida. Bayan farashin gida: kuɗin canja-wuri na Ma'aikatar Filaye (kimanin 2% ga sabon gini), gudummawa ga asusun gyara (baht 500 zuwa 800 a kowace mita murabba'i), da kuɗin kulawa na wata-wata (baht 40 zuwa 120 a kowace mita murabba'i). Tsarin biyan kashi-kashi na mai gini ba ya rufe wadannan.
6. Iyakar mallakar baƙi a gini ɗaya. Mallakar gida nau'in freehold ga baƙi yana iyakancewa ne da kashi 49% na ɗaki-ɗakin gini da za a iya sayarwa. Mafi yawan manyan masu gini suna kula da wannan adadin, amma mai saye ya tabbatar da yawan ɓangaren baƙi da ya rage kafin ya sanya hannu.
Idan kana son jagora ta hanyar duk waɗannan matakan - daga zaɓar gida mai aminci zuwa fahimtar takardun - tawagar Kadarorin Thailand tana shirye don taimaka maka.
Maɗogara: Siam Real Estate - https://www.siamrealestate.com/thailand-property-news/easy-buy-property-thailand-complete-guide-to-vendor-financing-for-foreign-buyers