Samui Phangan Real Estate August September 2019

phangan • BUYING 购买 • RENOVATING 翻新

August - September 2019

samui • INVESTING 投资 • LIVING生活

real estate THAILAND 泰国

LEGAL BUZZ

Key Considerations for Property Investors

巴兹律所 房地产投资者考虑的主要因素

PROPERTY REPORT

Bare Land Finance, Kai Faak

房地产报告 土地财务，凯法克先生

OUTDOOR LIVING Beating the Heat

户外生活 击败热火

SAMUJANA

Invest in the Most Exclusive Private Estate.

萨姆加纳 投资最独特的私人房地产

Asia’s boutique airline

find us at Bangkok Airport

because home is where your heart is

furniture / decor /+ more

Opposite Big C Samui Tel : +66(0)77 423 877 / www.oriental-living.net

Happy villas by the sea to enjoy family holidays

Serviced pool villas from 2 to 6 bedrooms | Cinemas "under the stars" 300 meters from a paradise beach | Kids, elderly and disabled friendly

www.bantaiestate.com | Tel:+66 (0) 91 826 7392 Viber

what’s up

WeChat

Beach Club & Restaurant opening end of August

Phase 3 now available

"Large 3 & 4 Bedroom Villas available" Already under construction

Samui Be One Co., Ltd 110 Moo 3, Bophut, Koh Samui, Surat Thani, 84320 Thailand M: +66 (0) 83 182 5430 (Eng - Fr - Th), +66 (0) 87 999 1234 (Chinese) T: +66 (0) 77 960 560, E: sales@veranosamui.com, W: www.veranosamui.com

photographer: Anne Sophie Maestracci

LUXURY

3 & 4 bedroom Seaview Villas for Sale Phase 2 now completed CHAWENG NOI, KOH SAMUI

AV AV Installation System Limited Partnership Panya Phlanisong (Poe) Managing Director

2/19 Moo.6, Bophut, Koh Samui, Suratthani 84320 Tel +66(0) 89 971 5775, +66(0) 87 889 8627 Email:info@av-installationsystem.com, www.av-installationsystem.com

Audiovisual & Electrical system Sales, Installation and Service

4K

PRE SALE : INCLUDES 5 YEARS THAILAND ELITE VISA

23.5 M

VILLA 1

B

24.5 M

B

VILLA 2

CC VIEW VIEW

Bangrak BangrakBay Bay Koh KohSamui Samui--Thailand Thailand

EDITOR'S LETTER It’s a beautiful morning on Koh Samui, rain has just stopped and there’s still that freshness in the air. Already evidence of the heavy shower is disappearing fast and apart from a few small puddles and washed sand on the road it’s hard to believe only minutes ago the heavy deluge that came down. It’s been raining quite often the last week and the recipe of strong sun in the day and heavy showers late afternoon and evening have produced an amazing sea of lush green everywhere.

Even after 27 years, this summer Samui feeling is still invigorating. June and July have been quiet on our islands, but tourist arrivals are already increasing and we are all looking forward to positive months ahead.

This is our 2019 August September issue which is Edition 87, not many publications in SE Asia can boost of such ongoing magazine success. Lovingly called the Samui Bible of Real Estate, the Samui Phangan Real Estate Magazine brings together absolutely everything the heart could desire in terms of living, buying, investing and renovating house and land on our islands.

The stunning villas at Samujana grace our Front Cover and our Developer Profile in this issue and we take a close look at their amazing architecture by the awardwinning designer Gary Fell of GFAB Architects. The Samujana villas range from 3-6 bedrooms which are currently available for purchase and this includes new villas completed in early 2016.

EDITORIAL Published & Distribution Satayu Publishing Co.,Ltd. Publisher Office ส�ำนักงาน Satayu Publishing Co., Ltd. 34/9 Moo 4, Bophut, Koh Samui, Suratthani 84320 Thailand.

Director กรรมการผู้จัดการ Kittiya prajuapthaen rose@Satayu.com Advertising ฝ่ายขาย Rose +66 (0) 81 261 3083, +66 (0) 92 276 1889 rose@Satayu.com crispin@satayu.com Editor บรรณาธิการ Crispin JG Paton-Smith Crispin@satayu.com +66 (0) 922 761 889

Graphic Design Chayanisa Wetchasart Satayu Publishing Co.,Ltd.

We strive in each edition to keep you updated on any new laws or policies that the governing forces might be bring out. This edition we have our “Legal Buzz” article from the law firm Limcharoen legal and our “Property Report” from our property and finance expert Mr. Stuart Foulkes from the MBK Group. This is one of the few companies offering finance solutions to foreigners with an already exceptional data base of properties that are already pre-approved.

If you have a Real Estate related question or concern you feel we can help with, please drop us a line and our team will do their best to help or point you in the right direction.

Buying, owning and renting property outside of the Western World is completely different to what we all have come to know. For instance, titles are not the same (or as accurate), the closing process is not the same (or as reliable), and the financing process is not the same (or in some cases non-existent). Plus, the immigration and tax laws can be difficult to understand… and that is just the beginning. We try to give clear facts and advice where it is needed, living in and owning real estate in Thailand can be a wonderful experience but there are certain rules and regulations that we follow to the letter to avoid problems in the future. If you have a query let us know.

Enjoy Life, Enjoy Samui Crispin JG Paton-Smith Crispin@satayu.com

Accounting ฝ่ายบัญชี acc.satayu.publishing@gmail.com +66 (0) 81 261 3083 Legal Advisor ที่ปรึกษาด้านกฎหมาย Surin Puangpakdee from NSP & Laws Firm Publisher License เลขมาตรฐานสากลประจ�ำนิตยสาร ISSN 1686-8838 ใบอนุญาตจดแจ้งการพิมพ์ สศก ๑๔ นศ/๒/๒๕๕๓ Printing & Colour separation สถานที่จัดพิมพ์ Amarin Printing & Publishing Co.,Ltd. 376 Chaiyaphruk Rd., Taling Chan, Bangkok Thailand 10170 T: +66 (0) 2 244 9000 Disclaimer: All the information, discussions and opinions contained herein are not to be a comprehensive study nor to provide advice, legal or otherwise and should not under any circumstances be used as a substitute for specific advice, legal or otherwise, in respect of individual situation and circumstances.

Go green and save paper, read our online magazine. www.samui-phanganmagazine.com

编者注： 这是苏梅岛一个美丽的清晨，大雨初停，空气中依旧保持着雨过之后的清新感。很多下雨的痕迹正在迅速消失，除 了几个坑坑洼洼的小水坑和路上的沙子之外，已经让人很难相信就在几分钟前有一场倾盆大雨到来过。上周经常下 雨，白天强烈的阳光配合午后和晚上滂沱的大雨，勾画了令人叹为观止的海上景观。即使在27年后的今天，夏天的 苏梅依旧令人如此振奋。岛上的六月和七月一如既往地安静，但随着游客人数的增加，我们也开始期待未来几个月 会有新的积极进展。 这是我们2019年9月发行的第87期杂志，东南亚的许多出版刊物都没有能够成功地持续推动此类杂志。苏梅岛帕岸 岛房地产杂志可堪称为苏梅岛房地产圣经，它将我们在岛上生活，购买，投资和翻新房屋和土地方面的全方面内容 都整合在一起。 在本期杂志封面中展示了令人惊叹的萨姆加纳别墅及我们的开发者简介，将由GFAB Architects屡获殊荣的设计师 Gary Fell带领我们进一步了解这令人惊艳的别墅。萨姆加纳别墅目前可供购买有3-6间卧室别墅，其中包括2016年初 完工的新别墅。 我们努力在每一期杂志中为您提供有关管理部门可能提出的任何新法律或政策的最新资讯。本期我们有来自“Legal Buzz”律师事务所的文章以及MBK集团的金融专家Stuart Foulkes先生的“房产报告”。这是少数为外国人提供融资解 决方案的公司之一，且公司拥有已经被预先批准的特殊数据库。 如果您有任何与房地产相关的问题或疑虑，请与我们联系，我们的团队将竭尽全力为您提供帮助或指出正确的方 向。在泰国购买，拥有和租赁房产这一块，与我们国家所知道的完全不同。例如，头衔不一样（或准确），结算过 程不一样（或可靠），融资过程不一样（或在某些情况下不存在）。此外，移民和税法很难理解......而这仅仅只是 个开始。我们致力于在您需要的地方提供明确的事实和建议，在泰国生活和持有产权可能是一种美妙的体验，但我 们一定要遵循必要的规则和规定以避免将来出现问题。如果您有任何疑问，请随时联系我们。 享受生活，享受苏梅岛！ 克里斯宾斯帕顿史密斯 CRISPIN @ SATAYUCOM

Now you can also find us here :

Bangkok Airways Asia Boutique Airline, Suvarnabhumi Airport (BKK) and Samui Airport

Emirates Airline Lounges in Suvarnabhumi Airport, Bangkok

Cathay Pacific Lounges in Suvarnabhumi Airport, Bangkok

Oman Airline Lounges in Muscat Airport, Oman and Suvarnabhumi Airport, Bangkok

SUNFLEX

SUNFLEX UK

SUNFLEX WALL-SYSTEMS

SUNFLEX LATAM SUNFLEX MIDDLE-EAST SUNFLEX ASIA

SUNFLEX SOUTH AFRICA

contents inside & out 34 Architect's Talk Vila Akira

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38 Island Home Summer Scrub Up

34

realty in focus 40 Outdoor Living Beating the Heat 42 Legal Buzz

Key Considerations for

Property Investors 46

Developer In-View Samujana

52

Property Report Bare Land Finance, Kai Faak

56

Property Design AZUR

60 Hot Property

Villa Anar

40

46

78

82 76

island life

Green Scene Elephant Sanctuary

78 Island Scoop

Cocoon 80 Lifestyle

Cigar Countries

76

life on the isles 84

Koh Samui Map

86 Living on Koh Samui 87

Koh Phangan Map

88 Living on Koh Phangan

the legal arena

56

92 Land Title Deeds 93 Chanote 94

Tips for Starting the Biz English

96

Tips for Starting the Biz Chinese

98

Tips for Starting the Biz German

100

Tips for Starting the Biz Russian

102

Tips for Starting the Biz French

104 Building Regulations 106 Villa Rentals

60

directory 110 Island Contacts

68

property_sales@samujana.com

+66 (0) 612 011 170

facebook.com/samujanavillas

@samujanavillas

sales.samujana.com @samujanavillas

INVEST INVEST ININ THE THE MOST MOST EXCLUSIVE EXCLUSIVE PRIVATE PRIVATE ESTATE ESTATE ON ON KOH KOH SAMUI. SAMUI.

Exclusive Exclusive Private Private Estate Estate in the in the most most sought-after sought-after location location on the on the island. island.

10 minutes 10 minutes romrom the the airport airport and and Chaweng Chaweng and and 5 minutes 5 minutes fromfrom Choengmon.

Choengmon.

Individually Individually design design luxary luxary villasvillas carved carved intointo the the gentle gentle slope slope overlooking overlooking KohKoh Matlang Matlang and and Hanuman Hanuman Bay,Bay, all villas all villas havehave spectacular spectacular sea sea views views and and private private beach beach access. access.

SALES : +66 (0)80 535 1725 Rentals : +66 (0)81 737 6808 info@overseaspropertyportfolio.com www.overseaspropertyportfolio.com S E A V I E W

L U X U R Y

SEA VIEW CONDO Type: Condo (S1677) Views: Sea

Bed/Bath: 3/2.5 Location: Bangrak

Price: 8,700,000 THB

CONTEMPORARY VILLA Type: Villa (S1662)

Bed/Bath: 4/4.5

Views: Sea

Location: Bophut

Price: 18,000,000 THB

B E A C H F R O N T

R E S O R T

BEACHFRONT LAND Type: Land (S1675)

Size: 4008 sqm

Views: Sea/Beach

Location: Bangrak

Price: 180,000,000 THB

RESORT FOR SALE Type: Resort (S1676)

Bed/Bath: 15/15 Location: Bangrak

Views: Sea Price: 195,000,000 THB L U X U R Y

L A N D

LAND 15 METRES TO BEACH Type: Land (S1650) Views: Sea Price: 8,600,000 THB

Size: 417 sqm Location: Lamai

LUXURY HOTEL Type: Hotel (S1652) Views: Sea/Beach

Bed/Bath: 14/14 Location: Plai Laem

Price: 270,000,000 THB

SAMUI TOWN CENTER 119/20, Moo 1, Bophut, Koh Samui

“YOUR INDEPENDENT ESTATE AGENT” Est. 2008

L A N D

S E A V I E W

SEA VIEW LAND Type: Land (S1655)

Size: 400 sqm

Views: Sea/Beach

Location: Bang Por

LUXURY VILLA Type: Villa (S1340) Views: Sea

Bed/Bath: 6/6.5 Location: Chaweng Noi

Price: 58,880,000 THB

Price: 5,900,000 THB V I L L A

B E A C H F R O N T

TROPICAL OASIS Type: Villa (S1638) Views: Garden/Pool

Bed/Bath: 4/4 Location: Plai Laem

Price: 13,000,000 THB

BEACHFRONT VILLA Type: Villa (S729) Views: Sea

Bed/Bath: 4/4.5 Location: Taling Ngam

Price: 47,000,000 THB

L U X U R Y

P O O L V I L L A

STUNNING SEA VIEW VILLA Type: Villa (S1420) Views: Sea Price: 27,900,000 THB

Bed/Bath: 5/5.5 Location: Bang Por

POOL VILLA PRIME LOCATION Type: Villa (S1671) Views: Garden/Pool

Size: 408 sqm Location: Bophut

Price: 7,000,000 THB

P R O P ERT Y A N D LA N D SA L ES • R ENTAL S

Exclusive 5 bedroom seaview villa in Chaweng Noi • • • • •

400 sq.m completed villa 766 sq.m land Extra space of 250 sq.m with seaview to be completed underneath the villa as a 3 bedroom apartment with private pool Possibility to rent out separately to maximise return on investment 5 mins drive to Chaweng Noi beach

Price: 38 Million THB M: +66 (0) 83 182 5430, +66 (0) 89 591 9009 www.samuipropertycentre.com

Samui Property Centre Co., Ltd. 124/27 Moo 2, Bophut, Koh Samui, Surat Thani

PURPLE ORCHID VILLA (VS04) PRICE REDUCED FROM 9.8M TO 8.5M THB This alluring 3 master bedroom villa is located in the South of Lamai in a very cozy area.

The villa is on 2 levels: 2 master bedrooms en-suite, over water walkway, 2 spacious terraces and stairs with waterfall at the 1st floor. At the 2nd floor grand master bedroom en-suite with a double-seats Jacuzzi, an open space area with a modern kitchen and living room with a magnificent sea view terrace.

At the ground floor there are the house system room, the storage room and a beautiful swimming pool with bar and plunged stools.

The villa is fully furnished with Thai Style interiors from Chang Mai. • • • •

Footprint 360 sqm | Land plot 830 sqm 3 bedrooms | 3 bathrooms Swimming pool with suggestive sea view Air conditioning and unlimited free Wi-Fi access all over the property • Selling price: price reduced to 9.8THB

BLUE HILL RESIDENCE (VR01)

LONG TERM PROMOTION

Enjoy this 3 bedroom villas with partial sea view, communal swimming pool and tropical garden, located in a very peaceful area in the South of Lamai; only 700 meters to the beach, restaurants and beach clubs.

1st floor: living room, kitchen, one bedroom, one bathroom and a very large patio.

2nd floor: two spacious double bedrooms, both with private bathrooms and a panoramic balcony with sea view.

The villa is fully furnished and decorated in Thai modern, contemporary style utilizing northern teakwood for its furniture and with a fully equipped European style kitchen.

• • • •

3 bedrooms | 3 bathrooms Staff on site 24/7 and covered parking area Communal swimming pool (chlorine free) Tropical garden

Rental price: LONG TERM PROMOTION 45K MONTHLY!!!

Blue Building Co. Ltd., Lamai Tel. +66 (0)real 828estate 195 815, Diego +66 (0) 870 461 314, Email: hill@samuibluebuilding.com 28 Marco samui phangan

samui's best investment value and opportunity BLUE COCONUT RESIDENCE (villa N.9) (VS05)

HOT SALE PRICE 4.9M THB

Beautiful 2 bedroom villas Thai-Modern style, located in a quiet residential area in Lamai.

The residence includes 10 charming villas (2 bedrooms each), common area with tropical garden, large swimming pool with chill-out area, staff accommodation (24 hours on site) and storage room.

Each villa includes living room, European kitchen, 2 double bedrooms, 2 bathrooms and a spacious patio with tropical garden view.

The villas are fully accessorized and tastefully furnished to a high standard in the traditional Asian style with teak wood furniture from Chiang Mai. Private swimming pool ready to be built!!!

• Floor area about 100 sqm • Plots area about 430 sqm • 2 double bedrooms | 2 bathrooms • Lush tropical garden with communal swimming pool • Air conditioning and unlimited free Wi-Fi access all over the property • Friendly staff 24/7 • Chanote land title www.samuibluebuilding.com If you are looking for anything about construction. www.samuiblueproperty.com If you are looking for buying or renting your dream villa www.samuibluevilla.com If you are looking for villas hotel

VILLA MANAGEMENT HOLIDAY RENTALS VACATION SERVICES

Villa Malouna

6 Bedrooms plus Kid’s Bunk Room Sleeping 6 Direct Beach Access | Resident Chef English Speaking Villa Manager 30

samui phangan real estate

Villa Anar

Koh Koon

Baan Hansa

Villa Thansamaay

Villa Akira

Villa Orchid

Baan Capo

Villa Riva

Secret Beach

Lemongrass Residence

Villa Danisa

Vista Azul

www.luxuryvillasamui.com, www.luxuryvillaphuket.net (Samui-Phuket), Email: rentals@luxuryvillasamui.com 1/36 Moo 6, Bophut, Koh Samui, Surat Thani, Thailand 84320 Tel: +66 (0) 77 484 634

• • • • • •

14.5 rai Stunning sea views in Lamai Government electric Concrete rd Chanote THB 7M per rai

Land For Sale

Mobile: +66(0)84842 7506 | E-mail: adam@luxuryvillasamui.com

Sea Renity Sea Renity is a luxury 6 bedroom villa complete with kid’s bunk room located on Laem Sor Beach with 24 metres of beachfront and backed by luscious hillsides. There are stunning views over to Koh Tan and the most romantic sunsets making the perfect end to the perfect day in paradise.

•

6 Bedrooms En-Suite

•

Kid’s Bunk Room Sleeping 4

•

21 Metre Lap Pool Plus Kid’s Pool

•

Beachfront Lounge

•

Indoor Dining

•

Guest Kitchen and Chef’s Kitchen

•

Alfresco Dining and Pool Bar

•

AV Room

•

Fitness Suite and Sauna

•

Outdoor Cinema

•

Trampoline

•

Splash Deck

•

Giant Chess Board

•

24 metres of beachfront

•

Due for Completion April 2020

•

POA

Contact: Mobile: +66(0)84 842 7506, E-mail: adam@luxuryvillasamui.com

inside & out | architect's talk

Vila Akira

Villa Akira is a stunning luxury villa for sale in the hills of Laem Yai that takes the term 'uninterrupted views' to a whole new level with some of the best on Samui.

This spacious villa has been beautifully designed to maximize the wow factor of its location and spectacular, unparalleled views of Nathon Bay. The layout and the size of the property make it ideal for large families and couples sharing and the outdoor living areas are ideal for celebrations and entertaining. On the entrance level to the villa you will find three, private, covered off- road parking spaces. Double wooden doors open onto a small terrace and a small private garden that leads down to the swimming pool. The covered entrance to the villa has double doors that open into the main living/dining area.

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samui phangan real estate

The views from the enormous picture window in the main living area are simply breath-taking. To the left of the first floor, has a flat panel TV, a sumptuous sofa and an entertainment centre comprising of a large flat panel TV, surround sound, a DVD player and satellite connection. Two double patio doors lead onto a balcony area where the incredible views can be enjoyed. Bedroom four that is accessed from the lounge shares the same spectacular views and features a comfortable king-size bed, a seating area, a desk, flat panel TV, a large wardrobe and an en-suite bathroom with a rain shower. Like the other bathrooms the imported bathroom fixtures and fittings are of the most luxurious standard you will find in Samui.

Behind the living area two further patio doors open onto a balcony with seating for four people where again the incredible view can be taken in. Beyond this area you will find the modern, western style kitchen that has a double, built in electric oven, a huge American style fridge, a central island with a breakfast bar for two and a gas hob and all the amenities you would expect to find in a kitchen of this standard.

Behind the kitchen area is a large dining table that can comfortably seat up to ten diners who can enjoy a meal with the incredible views this villa offers as a backdrop. Beyond the dining area is a comfortable outdoor seating area that enjoys more panoramic views of the bay and the infinity edge pool. There is a guest WC on this level and a staircase that leads up to the second level.

On the second level, you will find a hallway that leads to the master suite at the end of which is a seating area for two. The master bedroom enjoys incredible

views as well as a comfortable king-size bed, a flat screen TV, a large and comfortable reclining chair and coffee table as well as an en-suite bathroom with ‘his’ and’ her’ sinks, a rain shower and a Jacuzzi tub. Bedrooms two and three can be found at the end of a window lined corridor that overlooks the front of the property. Bedrooms two and three have ocean views, reclining chairs and coffee table, comfortable king-size beds, flat panel TVs and ensuite bathrooms with rainwater showers.

Steps on the living level take you down to the large infinity pool that has a Jacuzzi at one end and the deep end at the other. There is a good size sun terrace around the pool where you can relax and enjoy the views.

Adjacent the pool is a large covered outdoor living area serviced by a second western kitchen/bar area, a BBQ and a second dining table. On this level, you will also find a games area with a pool table and table football as well as a further lounge area with a home theatre. Bedroom five accessed from the games area has a king-size bed and en-suite bathroom.

Villa Akira has been fitted out with top quality, imported fixtures and fittings and has been designed and built to highest specifications.

Sales Price USD 1.3M 1/36 Moo 6, Bophut, Koh Samui, Surat Thani, Thailand 84320 Tel: +66 (0) 77 484 634 Email: rentals@luxuryvillasamui.com www.luxuryvillasamui.com www.mamboretreats.com

samui phangan real estate

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inside & out | island home

Summer scrub up Get the beach house look.

Every home needs a make-over now and then or a simple freshen-up. On a budget? Here are some simple tips to brighten your home with the beach house look.

fabrics such as cotton and muslin. Choose things that channel or reflect light into your home such as mirrors, glass and lightweight fabrics or simply move items of furniture that might be blocking light.

Paint is the most obvious and simple solution to freshen your home without breaking the bank. The pallet of colours to choose from is almost endless and most stores that sell paint will mix any colour or shade you choose. Neutral colours are good and will blend well whatever your existing decor, so choose these unless you want to make a bold colour statement.

Now, for those of you who want to go much further and have the extra cash, consider a bathroom makeover. A cool looking bathroom can add real value to your home and make it look like you have refurbished your entire house. I am not sure why this is, but trust me it does work.

If in doubt, always choose white. A lick of white paint on your walls does wonders and your home will look clean and fresh. Shades of grey and other colours like yellow and rose are trending. Add a splash of colour with fabrics and accessories. Don’t forget, paint is not just for walls, you can give new life to old wooden furniture with a coat of paint or varnish.

If you want to go further and stay on budget, then consider a made to measure slipcover for your sofa (cheaper than having it reupholstered) and add ties, a throw or new cushion covers. Simple solutions like these will go a long way to give your home a fresh look. Freshen up further with lightweight curtain

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samui phangan real estate

For the beach house look, start with painting anything dark white or a pale blue or any neutral colour. If you have a built in bath try painted tongue and groove wooden slats round the bath. Replace built in wash basins and splash out on granite basins or basins that sit on your washbasin cabinet with copper taps for granite or simple stainless steel taps for other basins, but not taps that fit into a basin.

No need to replace your existing bathroom cabinets just add a mirrored surface to them with simple or fancy knobs depending on your preference. If you have a wooden floor paint it white. Choose some simple wall lights.

If you need more lighting add ceiling lights...and don’t forget to finish up with some sea shells, bits of old rope, fishing nets and, seaweed if you want the new beach house look ha!

Beautiful Photography Courtesy of Lesley Fisher

Adrian Rawle ORIENTAL LIVING & LOFT BY ORIENTAL LIVING Tel: +66(0)77-247675 +66(0)77-423877 info@oriental-living.net www.oriental-living.net

inside & out | outdoor living

Damn its hot Mum

or how to best handle Heat in the Tropics Thailand is still considered a rather conservative culture when it comes to clothing especially female clothing. OK there are no harsh laws about covering face or hair but if you have some respect for the Thai culture you should consider what and where you are wearing certain clothes.

Personally, I feel it is not appropriate for anyone to be bare chested or in a bikini while in a Bank or supermarket. I wouldn’t do it back home so why should it be acceptable here. I know it’s hot, that’s the main reason we are all here but there are choices you can make which will certainly increase your comfort and help reduce your body heat.

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samui phangan real estate

How to lower body heat quickly

You can apply aloe Vera gel to your skin for a cooling effect. Either use the inside gel of a fresh plant or a pure aloe Vera gel. For added benefits, keep it in the refrigerator before application. Aloe Vera can also be consumed internally. Use 2 tablespoons of fresh aloe Vera gel per cup of water to make a drink.

Play it cool in a hat with a wide brim and sunglasses if you’ll be in direct sunlight. You can even carry a parasol or umbrella.

Buttermilk Drinking buttermilk may help to cool down your body and improve metabolism. It’s also full of probiotics (traditional buttermilk), vitamins, and minerals that will help to restore your body’s natural energy if you’re feeling drained by the heat.

You probably know how important it is to hydrate with water when you’re hot. There are lots of other ways to lower your body heat quickly as well. The following home remedies are easy and effective ways to beat the heat.

Wear loose, lightly coloured clothing in natural fabrics such as cotton, linen, or silk. Semi-synthetics such as rayon and modal can also be worn to combat body heat. Scientists are developing fabrics created specially to keep you cool, such as thermal regulation fabrics. Products made with these types of fabrics are often designed for sport and outdoor activities.

Cold foot bath Placing your feet in a cold foot bath cools your body and allows you to sit back and relax. Simply add cold water and ice cubes to a bucket of water.

Immerse your feet and soak for up to 20 minutes.

Add a few drops of peppermint essential oil for an added cooling effect.

Coconut water Drinking coconut water is a delicious way to refresh and revitalize your body. The vitamins, minerals, and electrolytes in coconut water make it an effective way to rehydrate and reenergize your body when you have heat stress. Coconut water has many other benefits, too.

Peppermint Peppermint is known for its cooling properties due to its high menthol content, which makes one have the sensation of feeling cooler. You can make a hot or iced peppermint tea and drink it throughout the day. While hot tea may seem to make, you feel hotter, drinking hot drinks may help you to sweat more and help to cool down your body.

Hydrating foods Eat plenty of foods high in water content. Fruits such as cantaloupe, watermelon, and strawberries are good options.

Try eating lots of vegetables such as celery, cucumber, and cauliflower. You can eat these foods raw in a salad. Alternatively, add a bit of ice to incorporate them into a healthy smoothie since yogurt is also a cooling food.

Try drinking a glass of cold buttermilk. Adding honey or yogurt is optional but may make the flavour more to your liking.

Fenugreek Tea Sipping a cup of fenugreek tea may help to bring on a sweat, allowing you to cool off. If you don’t like the idea of drinking a hot drink, you can make the tea ahead of time and chill it in the refrigerator before drinking it. Fenugreek may also be useful in getting rid of some excess fluid and detoxifying the body.

Chili Even though eating spicy food can make you feel warm, it can also help to lower your body temperature. That’s because the capsaicin in chilies sends messages to the brain to signal that your body is overheated. This causes you to sweat more than normal and brings on a cooling effect.

These remedies should help to cool you down if you’re feeling the heat. If your body temperature seems to be high for an undetermined reason or you’re not cooling down after trying some of these remedies, see your doctor. This is especially important if: you have an underlying medical condition you’re over 65 years of age you’re pregnant or nursing it’s occurring in young children or babies Heat stress has the potential to turn into heat exhaustion or heat stroke if left untreated, so seek help if you or a loved one is having extreme discomfort that doesn’t ease. In addition, learn the signs and symptoms of heat emergencies.

Aloe Vera The leaves and inner gel of this healing plant can help to lower body temperature. samui phangan real estate

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Key Considerations for Property Investors Who Choose to Build Their Own home in Koh Samui and Koh Phangnan.

Whilst it remains the case that the majority of property investors choose to purchase “off-plan” or newly constructed villas, apartment or condominium units in Koh Samui and Koh Phangnan, more experienced real estate investors seek to acquire a plot of land and build their own home. In choosing to go-it-alone, investors can enjoy a certain level of creative freedom in designing the new home to their specific tastes. There can also be a considerable cost saving as the investor does not need to account for sales and marketing costs and profits. In contrast, however, the risks of “going-it-alone” may be significantly higher, particular for first time developers unfamiliar with the laws of Thailand that govern property ownership and development.

There is a general prohibition against foreign investors acquiring ownership of freehold land in Thailand.

Accordingly, a key issue to be addressed by a foreign investor is how to acquire a legal interest in the land plot which is to be developed.

Foreign persons and foreign companies are permitted to acquire the long term use of land by leasing a land plot from the freehold land owner. In accordance with the laws of Thailand, a registered lease is limited to a term of no longer than 30 years which is considerably less than in most other countries.

The investor should undertake a full historical title search of the land prior to paying any sums to the owner of the target land plot. The historical title search will identify whether or not the title to the land has been correctly and legally issued and confirm that the Seller is the legal owner of the land. The search will also identify whether or not there are any mortgages registered against the land.

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As part of the land title investigations, it is important to establish whether or not the land has full legal rights of access both on foot and by vehicle. Any access restrictions to commercial vehicles will make any construction on the land impossible. It is important to also consider access to the electricity grid, water supply and drainage. Access to such utilities across adjacent land must be agreed in advance of payment. Legal rights of access such as servitudes can be registered in favour of the land.

Careful consideration must be given to the zoning and environmental restrictions which apply to the land.

Building regulations vary significantly depending upon the distance of the land from the shoreline restricting the height, size and number of storeys of the building. Other regulations restrict the type of buildings and the use of the land and the development of land over a certain gradient. The building and zoning regulations may have a significant impact upon the design of the building and may significantly curtail any grandiose plans for the land.

The land lease agreement must be carefully drafted so as not to impose any condition upon the investor requiring the investor to seek the landlord’s permission or approval of construction plans prior to commencing construction of the building. This is common in transactions where the landlord is retaining adjacent land and is seeking to exercise control over what is built on the land which it is leasing or selling.

All construction contracts must be vetted before the construction contract is signed and monies released to the builder. The specific requirements of a construction contract are detailed and beyond the scope of this article, however, from a general perspective, the construction contract should set out in detail the materials to be used in the construction of the building and the builder should be required to provide a contractual guarantee against defects which might arise during construction of the building.

Many investors seriously underestimate construction costs and consequently it is important for the investor to make detailed calculations of the proposed costs of construction prior to acquiring the land and bear in mind that the costs of materials and labour will increase over time.

In summary, foreign investors should take time to understand precisely what is involved in developing a property in Thailand, in particular, the laws which govern the ownership and use of land by foreigners. It is important to seek legal advice at each stage of the process in order to ensure that the investor remains in control of the project from the acquisition of the land through to the completion of construction and the registration of legal ownership of the building.

This article was written by Tanun Rungwiwattanakool, Attorney of Limcharoen Legal (Samui)), please contact our Koh Samui offices on 0935759675 or e-mail Samui@Limcharoen.com

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投资苏梅岛和帕岸岛房地产需要考虑的主要因素 虽然大多数房地产投资者会选择在苏梅岛和帕岸岛购买“非计划”或新建的别 墅，公寓或者小区，但更有经验的投资者会寻找一块合适的土地，建造自己的房 屋。选择单独投资的好处在于，投资者可以在房屋设计中有其独特的品味，享受 一定程度的创作自由。加上投资者不需要考虑销售，营销成本和利润，因此还可 以节省大量成本。然而，从另外一方面来讲，由于首次开发者不熟悉泰国有关房 产所有权及开发的法律法规，“单独行动”的风险可能会高得多。 泰国一般是禁止外国投资者获得泰国土地永久产权的。因此，外国投资者要解决 的一个关键问题是如何获得将要开发的土地权益合法化。 泰国允许外国人和外国公司通过从永久土地所有者手中租赁土地来获得土地的长 期使用权。根据泰国法律，注册租约的期限不得超过30年，远低于大多数其他国 家。 投资者在向目标土地所有者支付全额款项之前，应对该土地进行完整的土地背景 调查。土地背景调查将确定土地所有权是否已正确合法地发布，并确认卖方是该 土地的合法所有者。背景调查还将确定该土地是否有任何抵押登记。 土地背景调查重要的一部分是确定土地是否具有步行和车辆进入的完全合法权 利。对商用车辆出入的任何限制都将使其不能在该地块上有任何建筑的可能。此 外还要考虑电网，供水和排水系统，必须在支付全款之前商定好在相邻的土地上 可使用此类公用设施。诸如此类的方式将有利于购买土地的合法化。 土地的分区和环境限制也是必须考虑的一大因素。泰国建筑法规中根据不同陆地 与海岸线的距离，限制了建筑物不同程度上的高度，大小和数量。其他规定也限 制了建筑物的类型和土地的使用以及在一定坡度上土地的开发。建筑和分区规定 可能对建筑物的设计产生重大影响，并有可能大大减少原本大规模的土地计划。 必须仔细起草土地租赁协议，以免投资者被要求在项目开工前寻求房东的许可或 工程建筑许可，对投资者增加其他额外条件。这种情况很是常见，房东保留邻近 土地并试图控制其租赁或出售土地上所建的建筑物。 在签订施工合同并向工程队发放款项之前，必须对所有施工合同进行审查。施工 合同的具体要求较为详细，超出了本文的范围。但从一般的角度来看，施工合同 应详细列出建筑施工中使用的材料，并应要求施工人员为建筑物施工期间可能出 现的缺陷提供合同保障。 许多投资者严重低估了建筑成本，因此投资者在获得土地之前详细计算建筑成本 是很重要的，并且要记住材料和劳动力的成本会随着时间的推移而增加。 总之，外国投资者应该花时间详细了解泰国房地产开发涉及外国人拥有和使用土 地的法律。重要的是在流程的每个阶段寻求法律建议，以确保投资者保持对项目 的控制，从获得土地到完成建设，和建筑物的合法所有权登记。

本文由Limcharoen Legal（Samui）律师事务所的Tanun Rungwiwattanakool 律师撰写，请致电0935759675联系我们的苏梅岛办事处或发送电子邮件至 Samui@Limcharoen.com 42

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YOUR PLACE, YOUR TIME

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SAMUJANA STORY THETHE SAMUJANA STORY the early a couple of friends a mission In theInearly 90s, 90s, a couple of friends werewere on a on mission to to a tropical paradise to escape forweekends, the weekends, find afind tropical paradise to escape to fortothe the urban jungle of Hong search awayaway fromfrom the urban jungle of Hong Kong.Kong.

TheirTheir search to Samui, Koh Samui, had recently opened took took themthem to Koh whichwhich had recently opened its its first airport.

The island hosted mostly first airport.

The island back back then then hosted mostly backpacking visitors in small bungalow-style hut hotels backpacking visitors in small bungalow-style hut hotels onbeaches. the beaches. criteria honed on the TheirTheir criteria werewere finelyfinely honed –a –a hillside access, to the hillside with with greatgreat views,views, with with beachbeach access, closeclose to the fun of Chaweng, andconvenience the convenience of being fun of Chaweng, and the of being near near the the airport.

Attending a wedding the Phayorm airport.

Attending a wedding at theatPhayorm Park Park resort, discovered spectacular resort, they they discovered spectacular oceanocean viewsviews fromfrom its its hillside location and knew an instant this the was the hillside location and knew in anininstant that that this was they’d searching placeplace they’d beenbeen searching for. for.

The project got underway in 2002 architect The project got underway in 2002 whenwhen architect GaryGary Fell engaged was engaged to design the villa. first villa.

Driven Fell was to design the first Driven by a by a passion for modernist architecture, influenced by the passion for modernist architecture, influenced by the legendary Oscar Niemeyer, up plans legendary Oscar Niemeyer, GaryGary drewdrew up plans for a for a embraced the view andnatural the natural househouse that that embraced both both the view and the topography ofhillside. the hillside. a brief to create a ‘living, topography of the WithWith a brief to create a ‘living, breathing place’, he designed it over several levels, breathing place’, he designed it over several levels, with with leading an infinity thickthick walls,walls, openopen livingliving areas,areas, leading to antoinfinity pool pool and gardens. a masterpiece the making, an oasis and gardens.

It wasIt awas masterpiece in theinmaking, an oasis of seclusion and calm.

Nothing its kind had ever of seclusion and calm.

Nothing of itsofkind had ever beenbeen before on Samui Koh Samui and upon its completion, built built before on Koh and upon its completion, Villa Villa 7 marked a seminal modernist moment the island’s 7 marked a seminal modernist moment in theinisland’s history. history.

Friends who came to stay at Villa 7 were so captivated Friends who came to stay at Villa 7 were so captivated by by its revolutionary design engaged Fell to its revolutionary design that that they they engaged GaryGary Fell to the same on neighbouring buildbuild villasvillas in theinsame stylestyle on neighbouring plots.plots.

This This organic growth of a community of friends still resonates organic growth of a community of friends still resonates through the estate today, oforiginal the original through the estate today, with with manymany of the owners in residence. owners still instill residence.

A second of development commenced A second phasephase of development commenced with with a a for Gary Fell to architect in keeping remitremit for Gary Fell to architect largerlarger villas,villas, in keeping the existing estate.

Wraparound with with the existing estate.

Wraparound pools,pools, gyms,gyms, massage rooms and private cinemas became the norm. massage rooms and private cinemas became the norm.

Samujana is an nowexclusive an exclusive private estate 27 villas, Samujana is now private estate of 27ofvillas, stretching to summit, in harmony stretching fromfrom shoreshore to summit, in harmony with with the the natural topography – a sanctuary of privacy and security. natural topography – a sanctuary of privacy and security. ranging 3 to 6 bedrooms are currently VillasVillas ranging fromfrom 3 to 6 bedrooms are currently available for purchase.

Contact for details. available for purchase.

Contact us forusdetails.

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I can say it’s the best stay I had in my life and we travel a lot. Villas are incredibly beautiful, amazing architecture, the location is astonishing, it’s Paradise.

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AWARD WINNING ARCHITECTURAL MASTERPIECES: Available from USD $1MN to $5MN From 3 beds to 6 beds +

Every villa offering spellbinding ocean views and vistas Open air entertaining areas with remote weather screens Chic aircon living space, study and games rooms Expansive outside under roof kitchen and BBQ areas Infinity wrap around pools, adorned with Balinese stone Cool and soft limestone tiles adorn indoor living and all terraces Equipped with private gym, yoga and spa rooms Featuring sophisticated home cinema rooms 5 star white glove service and management delivered by finely trained dedicated villa teams

THREADS FROM TRIPADVISOR “We are cultivating an iconic, luxury estate community, whose legacy is one of privacy, security and calm, where people can take the weight of the world off their shoulders and be cared for by world class staff. We want Samujana to still be considered one of the world class villa estates 50+ years from now.”

“The villas and views are magnificent. Samujana has a very genuine feel, isn’t cookie-cutter, but is an original, a legacy estate, spectacular since its inception.”

“My experience simply put: Heaven. The villas and views are impeccable.”

“These are luxury villas with the utmost professional staff and the best views in all of Samui. There is really nothing else to say.”

“Absolute luxury from start to finish.”

“One of the most astonishing beautiful places I have stayed among all my traveling around the world. The villa itself is an art and the view of the sea is beyond description.” samui phangan real estate

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Choeng Mon, Koh Samui – 5 minutes north of Chaweng Beach property_sales@samujana.com +66 (0) 61 201 1170 UK: +44 (0) 207 609 9026 www.samujana.com facebook.com/samujanavillas 48 

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@samujanavillas

@samujanavillas

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Bare Land Finance, Kai Faak When travelling around the islands of Thailand and in particular our sun drenched palm shores of Koh Samui with neighbouring islands Koh Phangan & Koh Tao, one can’t help but notice the natural landscape offers some exquisite views either around the inland jungles & waterfalls or, over the turquoise colour and coral shorelines. The land upon which our paradise sits, bears fruit (and coconuts) for many and often sees ownership changes with infrastructure and development on the top, moved around.

Land in Thailand, has several grades of security with ownership and the most secure, being labeled with a full “chanote” status. This usually means a plot of land has been fully verified, sized and plotted on official government ordinance and is fully registered at a local land office with a specific owner and valuation assigned. Other lesser secure land ownership is used though usually is a case of long term owners having the approximate boundaries laid out and never having fully upgraded to verify & log at the land office to make sure no disputes over ownership. i.e. Until is registered as a chanote, there might be others willing to “claim” ownership over the plot or boundaries.

There have even been occasional claims over existing forestry and national park land around the Kingdom which sometimes make national headline news. For the purpose of this article when discussing finance, we shall focus on full chanote status land only as lenders often prefer to lend on this only as reduces the chances of lending money on a plot which might not have been the true owner in the first place.

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The classic way to finance land from an international standard is typically a Mortgage Finance registration, where the name on the back of the chanote remains in the owners name and a debt/mortgage is registered alongside. A lender will than typically hold onto the original chanote until after the mortgage has been fully repaid and then, a return trip to the government local land office is needed to deregister the mortgage and remove the debt from the back of the title deed.

If during the term of the mortgage, a lender sees the loan in default and against their mortgage contract, signed by the borrower, the lender has a right to enforce the mortgage and occasionally may result in the foreclosure of the property. The lender might put the property up for sale/auction and look to sell for enough to pay off the mortgage. At this point, a lender might not be concerned about obtaining the best sale price to make profit and rather, might be concerned only to sell for enough to pay off the loan and any legal fees/expenses incurred. If for example the mortgage was only registered at 50% of the property valuation, than the borrower might be better to ensure the mortgage does not go into default and try to sell the property themselves a bargain, if they foresee longer term repayment difficulties. Nonetheless, it is likely to be a lengthy legal process to go through any default foreclosure. A mortgage registration is an official legal way to borrow.

The second way to borrow unique to Thailand and again, officially recognised here with a government local land office registration, is called a Kai Faak.

Most notably, the major difference & shift here to that of a mortgage is that a kai faak no longer remains in

the owners/borrowers name and is transferred to the lender from day one. In a way, by making a kai faak registration, a would be borrower is selling the chanote to a lender with a right to buy back after a specified term. Let’s again take the same 50% loan to value as used in the first mortgage case above, a borrower sells the chanote to the lender for 50% of the valuation with a right to buy back at the end of term. Typical terms for kai faak are 1 year renewable, up to 3 years, so 2 times renewal for 3 year loan term and with all interest and fees paid upfront & deducted from the loan so no monthly installments. Borrow today and see you in 12 months to pay back the loan so to speak. If after 12 months the borrower does not have enough to pay back a lender, the kai faak goes into default and a lender doesn’t need to go through much legal process (in comparison to mortgage) since they already own the chanote. To summarise, the lender just successfully bought a chanote for 50% of its true value….a bargain.

One may ask why on earth would an owner of an extensive plot of land worth multiples of a million baht consider to “sell” a chanote to a lender for just 50% of the valuation when a mortgage registration is more secure for the borrower… Mostly the borrowers who use kai faak fall into one or more of the following categories.

• Owner needs fast cash for short term liquidity issues • Owner requires cash to invest in elsewhere offering higher returns than a loan interest rate • Owner has poor credit history • Owner has low regular income or little paperwork to show as evidence of affordability to obtain mortgage.

Generally with a land plot chanote, proceeds from a loan are used for development or investment elsewhere.

Take for instance a developer who has several plots of land ready in line to build a series of projects. A traditional bank mortgage might require extensive projections/forecasts and long term history of income to support a mortgage request along with multiple background checks on each and every borrower within a company (if under company ownership) or individual.

Weeks or even months can go by back and forward between a bank and borrower which might end up with no loan at all. A developer knows that money can be made from the sales of condo units or villas etc. which they intend to build and only needs money to inject for building a showroom and spend on marketing, events, exposure etc. By simply offering a plot of land (not connected to the project itself), fast and easy cash can be made available to the developer in a short space of time to get things moving whilst longer term, plans are put in place to repay the kai faak and possibly obtain a mortgage once cash flow starts to roll in. Fast cash and no monthly installments are attractive to a development looking to minimise expenses early on with a project.

Another big point of the kai faak is that it doesn’t require credit bureau checks etc. since a lender is not looking at the ability to repay the loan as remember when they enter a kai faak to begin, they are “buying” the land chanote at maximum 50% it’s value. A lender might rather spend time to consider do they really want the land chanote on their books, could they make money developing the land plot themselves if the loan falls into default etc. If the land chanote is prime beachfront or, with direct main road connections and offers great development opportunities, than the land is likely to be easy to finance kai faak, as a lender (investor) might love to take over the plot. ​​

On the basis a lender would love to take over good land chanote/s, many offer a decent fast & efficient decision making process and require minimal items to get a preliminary idea whether worth pursuing. Simply email a copy of chanote, google map link to the location and perimeter along with some recent photos and this is usually enough to gauge an idea of what might be made available. i.e. Land in a particular area and of a particular shape and size might fetch THB “X” Sq.w./ Sq.m. Lenders usually have a ball park figure they are prepared to lend on a particular location hence a desk based analysis can take place before the need to meet up and discuss supporting documents for the loan etc.

Sending a lender a loan email with projections and forecasts for the next millennium are of little concern to a lender who is considering the “buy” a plot under kai faak terms. They just need to know size, shape, location and can almost decide from this.

At MBK Guarantee Co., ltd, kai faak terms are typically 12% interest per annum (deducted up front in advance) with a 1.5% lender fee. All property transfer fees are payable by the borrower and all other fees & expenses incurred are deducted from the loan amount. The only “cost” before knowing a loan is approved, tends to be a valuation fee for a full independent appraisal of the plot and a minor inspection fee for the team to visit. Generally valuation fees and inspection trips are avoided IF there is no point to propose for approval in the first place as is outside of lender criteria. Hence the desire for google map, chanote and photos early on to pre-evaluate before spending too much time for both borrower and lender.

For further information on how to "Finance Property, Condos & Land in Thailand", or a link to the Thailand Condo Finance Map with pre-approved projects ready to lend, please feel free to email stuart@mbkg.co.th OR, call 66 (0) 81278 5382 OR, Line ID stuartmaxwellfoulkes, I shall than be happy to assist.

For Chinese native speaking, please contact Rose on +66 (0) 95 648 2913, WeChat ID: rose215620 or, email jie@mbkg.co.th samui phangan real estate

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纯土地融资，Kai Faak 当我们在泰国旅游时，特别是阳光普照的棕榈海岸沙美岛以及 其临近岛屿帕岸岛和涛岛，人们总是被它们的自然风光所吸 引，或是内陆丛林及瀑布，又或者令人倾心的青绿色和珊瑚海 岸线。在这些如天堂般的土地上，很多人在此收获果实（或是 椰子），并且我们常常看到这些土地的所有权在其不断发展的 过程中更新换代。 在泰国，土地有不同保险程度的所有权，最保险的是拥有完整 的“泰国房产证（Chanote）” 这通常意味着一片土地已经 被认证，测量以及在官方的条例中标明，并且已在土地局进行 完整的登记，明确其所有权持有者及价值。其他保险性较低的 所有权方式通常是一个长期持有者，遵循一系列准则且没有升 级为完整的土地所有权持有则者。例如，当土地已注册泰国地 契，仍有其他人声称拥有该土地。过去曾有几次针对现有的林 园或是国家公园声称拥有其所有权的事情，有时还会成为新闻 头条。 在这篇文章里涉及到金融的问题，我们将把重点放在 完整的泰国土地所有权上，因为贷方通常只考虑这种类型的地 产，以避免出现借款人并非真正地产拥有者的情况发生。 土地融资的经典方式通常是进行抵押贷款登记，也就是在地契 的背面保留现主人的名字，并在旁边标注贷方名字。然后贷方 会保留地契原件直到贷款被完全还清。之后需要再去一次土地 局撤销贷款注册并将贷方名字从地契背面移除。 在贷款有效期 内，若贷方发现借方拖欠贷款，未能履行之前合同中的义务， 那么贷方将有权执行抵押，并且有时会造成失去房产抵押赎回 权。 贷方有可能将该房产放入市场上进行销售或拍卖来填补 贷款金额。这时候，贷款的关注点往往不是卖出最好的价格获 益，而是仅希望足以还清贷款以及其他相关费用。例如一个抵 押贷款的金额为房产评估价的50%， 在借方预计未来还款困难 的情况下，最好不要违约，而是尽可能将房产出售出去。尽管 如此，似乎任何撤销赎回权的法律流程都是相当漫长的。抵押 贷款是一种官方合法的借款方式。 第二种借款方式 是泰国特有的，官方认可且同样需要在土地局 登记，叫做Kai Faak. 最值得注意的是，和常规抵押贷款最主 要的区别在于，Kai Faak 将不在地契上保留原持有者的名字， 而是直接转到贷方名下。在这种方式下，Kai Faak登记更像是 借方将土地所有权卖给了贷方，并在一定条款下保留赎回的权 利。让我们同样以评估价50%的贷款额为例，一个借方以评估价 50%的价格将地气出售给贷方，并设定在一定期限内拥有赎回 的权利。通常kai faak的期限为1年可续约，最长3年，因此3年 贷款有2次续约机会，所有的利息和相关费用将会被提前支付或 是从贷款额中直接扣除，没有月还款。也就是说今天贷款12月 才需要见面。如果再12个月后借款人没有足够的资金偿还，Kai Faak 便视为违约，贷款这时不需要太多繁杂的法律流程（与常 规抵押贷款相比较），因为他们已经拥有土地多有权。总的来 说，贷款成功的用仅仅50%的评估价就购买到了该土地所有权。 也许有人会问为什么一个拥有很多价值百万倍土地的人想要 以50%的评估价“出售”其土地，而对于借方来说，常规抵押 贷款更加的保险。 这类使用Kai Faak的借款方通常是由于以 下原因： • 土地持有者需要快速折现以实现短期资金流动性 • 土地持有者需要现金来进行其他收益率高于贷款利率的投资 • 土地持有者历史信用记录不好 • 土地持有者有较低的稳定收入或者只有少数可以证明收入及 其偿还能力的文件

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通常用地契做抵押贷款，多用于开发或者投资在其他地方。假 设一个开发商现有一部分土地准备开发一系列项目。传统的银 行抵押贷款可能需要大量的推断/预测已经长期的历史收入记录 来支持贷款申请，期间还需要对公司内的所有借款人进行背景 调查（若是以公司名义贷款）或者个人。 往返于银行和借方的 流程长达数周甚至几个月，却仍有可能没有获批贷款。开发商 明白可以通过销售公寓或者别墅赚取收益，因此他们倾向于仅 仅建造样板间以及将花销放在市场营销，活动，曝光等。通过 简单的土地抵押贷款（与项目土地无关），便可快速简单的获 取现金并可用于短期运作，长期来看，若一切如期进行，在偿 还Kai Faak之后，有可能再申请抵押贷款。快速的现金且没有 月还款对于那些希望再项目初期尽可能减少支出的开发商来说 非常具有吸引力。 另一个kai faak值得注意的点是不要求提供征信报告等材料。因 为贷方并不关注借款方的偿还能力，根据前文所说，这种方式 使得贷方已经以50%的价值“购买”了土地所有权。 贷款可能 更愿意花时间考虑他们是否想要这块土地，在借方不能偿还贷 款的情况下，他们是否能狗通过开发该土地获益。若是土地位 于优质的海岸边，或是直接通向主要道路，拥有很好的投资机 会，那么这块土地就更容易获得kai faak融资，因为以贷款方（ 投资方）角度是愿意接手这块土地的。 ​​ 如果建立在贷款方愿意接手土地所有权的基础上，将有可能提供 相对快速和有效率的流程，通过要求几项必要材料来进行初步决 定是否值得继续进行。仅需要邮件发送地契复印件，谷歌地图定 位链接以及几张最近的照片，通常这些足以得出一个大致的贷款 结果。例如，某块在特定区域，特定形状和大小的土地可能会得 到泰铢“X”平方哇/平方米。贷款方通常会对各区域有个大致的 贷款数额， 不过在面见客户深入讨论前还是需要进行更为详尽的 评估。对于将要以Kai Faak “购买”一块土地的贷方来说，向他 们发送有关贷款预测的邮件并不会起到什么作用。他们仅需要知 道面积，形状，地点，便可几乎做出决定了。 在MBK Guarantee公司，kai faak年利率通常为12% (预先扣 除) 以及1.5% 的贷方手续费。 房产过户费可由借款方直接支 付，其他产生的费用会从贷款额中直接扣除。在知道贷款是否 获批前的唯一“成本”便是独立评估公司对土地的评估费以及 一点我司工作人员去现场审核的费用。通常如果土地从一开始 就没有达到申请要求，那么初始提案也不会通过，便也不会产 生评估费和审核费。因此需要先提供谷歌地图定位，地契以及 近期土地照片先进行初步评估，以避免借方和贷方之后花费太 多时间。 更多信息关于 ”在泰地产及公寓融资“，或是需要 “泰国 可批准资金释放的公寓地图“链接，请发送邮件至stuart@ mbkg.co.th ，或者致电66 (0) 81278 5382 ，也可联系 Line ID stuartmaxwellfoulkes, 我将乐于回答和协助您的各项问题。 中文咨询请发送邮件至jie@mbkg.co.th, 或者致电 66（0）956482913， 或者通过微信rose215620.

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realty in focus l property design

Hillside Heaven - Azur Samui On the North side of Koh Samui, a short drive up Soi 2 in Maenam, nestled amongst the coconut palms sits one of the island’s premier developments, Azur Samui. Built to international standards with resort-style facilities, and enjoying truly breath-taking panoramic ocean views it’s no wonder that more than half of the project’s residences have already been purchased.

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While you get a sense of peaceful calm at this easily accessible hillside development, you are a mere 10-minute drive from the ever popular and charming Fisherman’s Village, and only 20 minutes from the island’s airport and the bustling downtown area of Chaweng, not to mention Maenam’s own beautiful and unspoilt beach being just 5 minutes away.

The inspiration of local property developer and hotelier Tim Dean-Smith, who with the help of an international firm of architects, (who had worked on another of his Samui developments, the ever popular and eminently fashionable Beach Republic in Lamai) set about drawing up an equally spectacular design for a hillside community in this magnificent location.

One only has to look around the show homes to see that the properties here have been built to the highest standards you will find on Samui. The exacting standards and attention to detail of the management are clearly visible in the finish of all the properties at Azur Samui, with many materials being brought in from as far afield as Australia and Europe.

With construction on the 13-unit Coconut Residences complete along with many private pool villas, Azur Samui is close to reaching another important

milestone with the completion of the Clubhouse East Wing. Comprised of an 8-unit East Wing and a 6-unit West Wing, the Clubhouse Residences benefit from easy access to all of the facilities available at The Clubhouse. On offer is a 26-metre infinity pool, newly opened gym, a separate yoga and Pilates studio, private massage rooms, herbal steam room and fullyequipped locker rooms.

In addition to easy Clubhouse access, owners at the Clubhouse Residences enjoy under cover parking, internet speeds reaching 500Mbps down and 250Mbps up, in addition to smart lighting. Azur Samui is proud of its low environmental footprint with offerings like solid thermal insulation walls, inverter air conditioning units, energy-saving LED lighting, and heat pump hot water systems all coming as standard.

The ongoing cost of ownership at Azur Samui is transparent and inexpensive. Electricity and water rates are charged at the standard government tariffs, plus a small 10% surcharge which is used to contribute to the cost of running the estate. The owners control all of the common areas, and the levies for upkeep and maintenance are set at actual cost, which the owners also control.

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Obtaining financing to purchase a home in Thailand as a foreigner is notoriously difficult – even when approved, loan amounts are nominal and terms are arduous. Azur Samui offers up to 60% vendor-financing, with a custom repayment plan to fit the buyer’s needs, and repayment plans of up to 20 years; and with the option of the rental management program, owners can offset the finance payments (or the purchase price if they are cash buyers) with rental revenue.

With just three residences remaining in Clubhouse West Wing and three in Clubhouse East Wing, the Clubhouse Residences are selling out quickly. The Facebook page Facebook.com/AzurSamui includes plenty of stunning pictures from both the ground and the air and is a great place to start to get a feel for the vision of the architect and developers.

Interested parties can contact 096-1986998 or own@AzurSamui.com for more information and to arrange a private viewing.

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realty in focus  l  hot property

VILLA ANAR Modern 5-bedroom beach-front luxury.

Modern elegance is matched with unparalleled attention to detail and highly functional luxury beach-side living.

Perfect for families and groups of friends Four en-suite bedrooms, master bedroom, Thai kitchen and main living, dining and guest kitchen.

Large 12m swimming pool with Jacuzzi An outdoor decking area with Massage Sala, footbath and relaxing sun-loungers.

Lots of natural daylight and fantastic views of the beach and the sea.

Private Chef as well as English speaking Villa Manager and domestic staff.

Villa Anar is unique, it has been lovingly and thoughtfully designed, it has spell-binding views and it’s now ready and waiting for you. Welcome to Villa Anar – your home away from home on Koh Samui.

1/36 Moo 6, Bophut, Koh Samui, Surat Thani, Thailand 84320 Tel: +66 (0) 77 484 634 Email: rentals@luxuryvillasamui.com www.luxuryvillasamui.com www.luxuryvillaphuket.net samui phangan real estate

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BAN TAI ESTATE:

Raising Standards in Luxury Villa Holidays

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When you choose accommodation for your holiday, how come it's always a question of privacy versus services?

Hotel room versus your own villa? Why can't we have both? Well, as it turns out, somebody has had the same thought and decided to do something about it.

Ban Tai Estate is exactly that - a fully managed villa complex developed with the idea of combining the best of two worlds of rental accommodation. Privacy of your own villa and facilities and services of a hotel. They have their own reception, security, full house keeping and room services, car parking, a buggy service, concierge, a kids’ playground, maintained beach with sunbeds, umbrellas and a restaurant that's opening in August. So, let's have a closer look at it, shall we?

With the most recent addition of 3-bedroom villas Lemoncello and Belini, Ban Tai Estate consists of 12 units’ total. Villas range from 2 to 6 in bedroom configuration, each one has a pool and a home cinema system, but that's about where the similarities end.

Furniture, colour schemes, floor plans and decorations are all different from one another and you can probably find one that you'll love regardless of your preferences and budget. Yes, surprisingly, some of the villas are very affordable even by Thailand standards. And they can fit pretty much any group of people. Having a big party or traveling with extended family? They have 5-6 bedroom villas with lounges. Value your privacy more? Nobody's stopping you from booking more than one villa and just visiting each other when you feel like it. Is it just the two of you? A honeymoon, perhaps? 2-3 bedroom units can be very intimate if you need it.

Speaking of honeymoons, Ban Tai Estate are opening a beach club and a restaurant this August with a big public pool and a full hotel-like setup. You can hang out by the pool with your old friends, meet new ones over a glass of cocktail or just chill looking at the horizon over the waves. The beach is also yours to roam. They've extended the complex territory all the way to the sea so you'll have your towels, sunbeds, umbrellas, cocktail bar and delicious food at your disposal right on the beach, like you would in a proper hotel. The restaurant also has a lovely terrace which is perfectly suitable for hosting events, celebrations or weddings. So, if you're looking for a place to get married with style - this could be it. Their managers will also help you arrange it along with any other extra services that you might want during your stay. But that's up to you, the service is there if you need it.

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Another one of the key selling points of the Ban Tai Estate, per the owners, is family focus. They really take pride in how family-friendly their villas are. And they really are! Not only that villas were probably designed with having kids in mind, but they also have a playground with toys where kids can go have fun with each other. It's important not only to have your kids safe, but also busy doing their thing to give a moment of respite to their parents. And Ban Tai have got you covered here too. And if you come here for a taste and love it so much that you decide to stay, some of the villas are also available for sale. Who wouldn't want to have their own pool villa on a tropical island? A one managed and taken care of when you're away at that? A nice investment to consider at least, with its own benefits. So, in conclusion, what is Ban Tai Estate and why should you be interested at all? It's a thought-out combination of living in your private pool villa with having honest hotel services already waiting for you.

It can easily accommodate any group of people be it a big party, family vacation or a honeymoon.

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It's safe for kids and comfortable for adults. It has its own maintained beach with all the services and a restaurant is coming up very soon, so you'll have all of the necessities and facilities available at your leisure. And finally, it's very competitively priced.

Shall you have any questions, please direct your inquiries to the Ban Tai Estate management: +66(0)918267392 or info@bantaiestate.com

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It has never been simpler to buy and Invest in Koh Samui Why buy a Chariya Residence Apartment?

Chariya Residence offers these absolutely stunning Sea View Apartments FREEHOLD, so you own the Apartment in your own name doing away with the mess and fuss of having to set up a Thai Company and the Apartment registration is in your own personal name.

What investment returns can I expect?

Substantial rental Income potential and capital growth are assured with full professional management and support services package supplied by Samui Prestige Properties Co, Ltd. (www.samuiprestigeproperties. com) who utilize cutting edge technologies, marketing, and on-site staff to provide an International, five star luxury standard in service and Property Management. An onsite Management Office will cater to owners and guests quires and will manage and service rental bookings.

What about the Legals, Lawyers etc?

We are committed to make the buying process as simple as possible for you and will guide you each step of the way. We have engaged the top Law Firms on Koh Samui who can handle and guide you through all aspects of your purchase including due diligence, contracts and transfer of your Apartment. An honest straight forward and easy to understand approach is what you can expect and will receive.

Are there additional costs/fees?

Once you take possession of your Chariya Residence Sea View Apartment you will be asked to pay a very reasonable Maintenance fee of 3,000 THB per month. This minimal monthly fee helps us to ensure that the exteriors of the apartment buildings, swimming pool, common areas, roads, parking, gardens and onsite facilities are well kept and maintained to a very high standard.

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2 Bedroom Fully Furnished Seaview Apartments With Stunning Views at 5.9m THB • • • •

2 Bedrooms 2 Bathrooms 131 sqm Seaview Terrace & Swimming Pool Fully Furnished Fantastic Location

• • • •

Pool Bar / Restaurant Gymnasium Full Rental Management Construction Underway

Call: Mark +66 98 742 6760 or Japhy +66 65 586 6580 info@Chariyaresidence.com www.chariyaresidence.com

Flawless Standards in Comfort and Luxury

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hariya Residence is located in the foothills of Bang Por on the North Coast of Koh Samui, Thailand, and enjoys one of the most breathtaking Sea Views available on the island.

With captivating uninterrupted views to the Islands of Koh Phangan, Koh Tao and the famous Angthong National Marine Park.

Chariya Residence is a unique state of the art ultra hip and modern mix of Luxurious two bedroom, two bathroom 131sqm apartments all with expansive open plan living and dining areas, hostess fully equipped Western style kitchens with all the mod cons.

All kitchens, living and dining areas look onto and open up on to your own large private absolute Sea View terrace which makes them ideal for indoor/outdoor entertaining, barbecuing or simply relaxing and sipping your favourite cocktail and taking in the magnificent view and vista.

A large communal swimming pool, expansive communal pool terrace and fitness centre will also be part and parcel of this very special and highly sought after residential development.

A small tranquil pool side restaurant/Tapas bar will play cool chill out tunes and will also offer owners and guests alike the chance to soak up the sun on one of our sunbeds or enjoy the sunset.

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Actual Views From Chariya Residence

Stunning Ocean Views from every Apartment Unit overlooking the islands of Koh Phangan, Koh Tao and the protected Angthong National Marine Park

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island life | home help

Hot House Designs Keeping a house cool Most builders know that house designs need to be climatespecific. In Thailand heating costs are basically nonexistent, I can even remember trying to explain to some locals why we would need to have central heating in houses. So in this issue we are going to look into why homes in Asia should be designed to reject exterior heat.

So what are the most important factors governing hotclimate design?

• Air leaks not only increase a home’s sensible cooling load; by introducing humid exterior air, they also increase a home’s latent cooling load, making the air conditioner work harder to wring moisture out of the air. Tight houses are much easier than leaky houses to keep cool and dry.

• While cold-climate designers have to worry about heat escaping from the envelope in all directions, the heat-gain concerns of hot-climate designers are overwhelmingly dominated by just three major factors: windows, ceilings, and internal gains. On summer afternoons, one large west-facing window with the wrong type of glazing can make a huge difference in a home’s heat gain.

Best-practice measures •

• Orient the house with the long axis east-west.

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• Shade is good. Roofs should have wide overhangs, ideally 1m wide or wider. Storms like to grab onto roof overhangs, though, so be sure to secure roof trusses or rafters to top plates with adequate storm clips. Since a hipped roof can shade all four sides of a house, hipped roofs are preferable to gable roofs.

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• Most windows should face north or south. Because they are harder to shade, east- and west-facing windows contribute much more to overheating than north- or south-facing windows; so east- and west-facing windows should be minimized.

• Every effort should be made to shade every window. Windows can be recessed into thick walls or protected by projecting architectural elements. On the east and west elevations, it’s often best to protect any windows with a wide porch.

• It is critical for a home’s air conditioner and all ductwork to be within the home’s thermal envelope. One way to do this is to “cathedralize” the attic by spraying closed-cell foam insulation against the underside of the roof sheathing. Of course, duct seams should always be carefully sealed; slightly oversized ducts are better than undersized ducts.

• Ceilings or roofs should be insulated to at least R-30.

• If the house has an unconditioned attic, specify radiant-barrier roof sheathing.

• Use highly reflective roofing — ideally, white metal roofing or white concrete tile roofing.

• If the house has concrete-block walls, install the insulation on the exterior, not the interior.

• Specify windows with a solar heat-gain coefficient (SHGC) below 0.32; if possible, aim for 0.28 or 0.29.

• The home’s thermal envelope should be carefully air sealed.

• While high internal loads — that is, waste heat from lights and appliances — benefit cold-climate houses in winter, such loads hurt the performance of hot-climate houses in summer. So in Thailand, it’s particularly important to install CFLs or LEDs rather than incandescent bulbs and to specify the most efficient available appliances, including refrigerators and televisions.

• Ceramic tile floors are best. Avoid carpeting.

Although many of these suggested measures may seem obvious, they are widely ignored. Taking just a little bit of time and effort in your house planning will firstly reduce your energy consumption and therefore your bills drastically and make living in a cool home much more inviting.

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island life l green scene

The Samui Elephant Sanctuary Symbols of strength and wisdom, the elephant is believed to be sacred and incredibly valuable in many cultures, especially Thailand. In this way you would have thought that these majestic animals are to be preserved and taken care of rather than exploited. Sadly, and again I say this as especially in Thailand it is exactly that what we have done. How many of us have come to Thailand and excitedly looked forward to some elephant trekking or a ride on one of these beautiful creatures. But can we really excuse this with our innocence as behind the scenes these splendid animals were beaten into submission and forced to walk on red hot tarmac roads and act out unnatural circus acts.

But luckily things are changing and especially with social media people all over the world are starting to realize what has been happening and promoting sanctuaries taking in abused neglected and exploited elephants both here in Thailand and abroad. It is through these incredible organizations working to raise public awareness, conserve the elephants’ native habitat, and ensuring the elephants in their care are safe for the remainder of their lives, that we can begin to hope for the future of the species. In the wild, elephants are migratory, walking miles each day. They form intricate family structures and grieve for their dead in a more-than-instinctive way. They show humour and express compassion. The Elephant Sanctuary’s mission is to give elephants the freedom they deserve.

Elephant riding or trekking in Thailand is easy to do. What’s not so simple is finding a reputable place that cares about and protects its elephants.

Therefore, we are so thankful that the Samui Elephant Sanctuary has opened to provide captive elephants with individualized care, the companionship of a herd, and the opportunity to live out their lives in a safe haven dedicated to their well-being, and to raise public awareness of the complex needs of elephants in captivity, and the crisis facing elephants in the wild.

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The Samui Elephant Sanctuary is now open Here you can be part of the solution and not the problem by watching the elephants relaxing naturally in their own environment. It is an unforgettably beautiful experience observing these creatures in their own swimming pool, showing affection to one another and naturally being an elephant at ease in his own Samui elephant sanctuary. We spoke with Wittaya Salangam at the Samui Elephant Sanctuary who explained “we treat our elephants with the dignity and respect they deserve, we do not allow riding or any type of performance, we want our guests to see elephants being elephants. We work with our herd through positive reinforcement through food and we turn our backs on the traditional use of the bull hook and cruel training techniques. Our tours focus on observation of the elephants’ natural behaviour and as such we do not allow guest to join the elephants in the mud pit or swimming pool. Our tours follow a very relaxed program which starts with an introduction to our work, then we feed the herd, guests are then invited to walk in the sanctuary and feed our elephants then we watch the elephants as they make their own decisions about what they would like to do each day.

Our tours are very much guided by the herd itself!”

Wittaya Salangam further elaborated about some of the elephants, while Sri Nin was working in the logging industry she was blinded in her left eye. This was caused after her previous mahout, appallingly, used a sling shot on her, as she didn’t obey his commands.

Kham San has a large hole in her right ear caused by the mahout as a vicious method of control. Nong Pech was used for street begging, where every day she would have to go on the busy sizzling hot streets to beg for food from tourists. From a very young age Moloair was abused so that she would perform in the circus in the south of Thailand. The horrific injury to her trunk, one of the elephants most sensitive organs is still clearly visible.

Save Elephant Foundation is a Thai non–profit organization dedicated to providing care and assistance to Thailand’s captive elephant population through a multifaceted approach involving local community outreach, rescue and rehabilitation

programs, and educational ecotourism operations.

Each of their flagship projects is aimed at accomplishing that mission, as well as working towards these goals: •

to expand self-sustaining eco-tourism operations that benefit local communities and ecosystems

•

to better incorporate our efforts into local communities and to ensure their benefit through our continuing operation

•

to become a leader in the field of Asian elephant research through academic outreach and education programs

•

to create practical, positive reinforcementbased elephant training and rehabilitation programs

•

to establish an international volunteer community that raises awareness to issues facing the Asian elephant

•

to more fully integrate with the global conservation community to facilitate dynamic cross-cultural networking

There are two tours each day at the Elephant sanctuary, the first is 9am to 12pm, and the second is 2pm to 5pm. These tours include the transport to the sanctuary, a professionally guided tour, drinking water, lunch and yes lots of bananas to feed the elephants. Entrance to the tour is 3,000 Baht, which when you realize that elephants eat 10% of their own body weight each day and what is would cost just for the care of these beautiful creatures is very reasonable.

Samui Elephant Sanctuary Tel: 0952698343 fb: www.facebook.com/samuielephantsanctuary email: info@samuielephantsanctuary.org Insta: @samuielephantsanctuary Photo credit: Samui Elephant Sanctuary samui phangan real estate

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CONCEPT STORE DÉCOR & DESIGN We wanted to create a sort of «French Art de Vivre» home concept store, chic but with that wonderful French relaxed feeling.

We are constantly sourcing new artistic furniture, decorative items and original furnishings.

Welcoming, bright & warm are the exact words to describe the atmosphere of the 4 showrooms opened in 2018, between the Bophut Fisherman main road and our so picturesque and tropical background lake.

“My passion is restoring and renovating old traditional farm mansions and town houses, giving them new life and energy, as a family cocoon.

I too come from another very beautiful island, Corsica! So, with my profession and my life’s experiences I can visualize Samui’s trendy interiors with the same knowledge and understanding, just meeting and listening to people, brings our ideas to life.”

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“Decorative arts, a new classic design interior collection, design office layouts and a bio coffee-tea corner are our upcoming projects.” Drop in and be refreshed with the style and arts of managing director, Karina JOUSSE-LORENZONI.”

Near Fisherman’s Traffic Light, 126/13 Moo 1, Bophut, Koh Samui, Tel: +66(0) 80 345 3015, contact@cocoonbyhk.com, www.cocoonbyhk.com

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The Rennaissance of

Cigars

T

here has been a rennaissance in cigar smoking over the past decade, and in our series of articles on this refound epicurean lifestyle, we provide the reader (that is YOU) with enough knowledge to hopefully embark on this new hobby with some tools and guidelines to make it an enjoyable experience. This time, we are going to cover the most common countries that produce cigars – for much like with coffee and wine, the “terroir” – i.e. the conditions of the soil – has a major impact on the taste and quality of the cigar. Also, a tropical climate is neceessary for the ideal growing conditions for cigars, and hence you will find most growers in the tropics.

Cubans used to be THE cigars to smoke, and anyone worth their salt would state with utter conviction that they would only smoke Cubans. After the Cuban revolution, and actually also as a direct result of the revolution, many other Latin American countries have made solid inroads to the cigar market.

Cuban cigar producers were nationalised, and many, if not most, of the major cigar families decided to flee the countries in the years following the revolution.

Many fled to Florida and started rolling companies providing cigars for the mass market with imported tobaccos from the neighbouring countries, or they travelled to countries with a soil ideal for cigar production. Thus, many of the old cigar producing families started all over from scratch in Nicaragua, Honduras and the Dominican Republic, and a handfull decided to lend their expertise to farmers in Mexico, Venezuela and other countries in the region.

And the flip-side of the coin (for the Cubans) was that they had lost almost all of the brains behind the major pre-revolution brands.

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With the outflow of expertise and knowledge, the Cuban cigar production suffered – many farmers and rollers remained, but the pride and dedication to the impeccable cigar suffered. Add to that the woes of the American embargo and lack of industry, and the desparation of the Cuban government to get some kind of “hard currency” into the country, and they comitted the inevitable error: they started over-farming the land.

Cigars are much like wine – the quality of the final product is closely related to the farming of the grapes and tobacco. The soil (or terroir, as it would be called in the world of wine) is immensely important. The nutrients in the ground and the composition of the soil influence the cigar. Also, it is important to let the ground rest every 3 or 4 years; if the farmer keeps harvesting year after year, which the cash-strapped Cubans did, the quality will suffer. In addition, several improvements in farming techniques, equipment and pest control that have been embraced by the other cigar producing countries have eluded the Cubans. Finally, being desperate for money, quality control has suffered, lowering the quality even more.

Cohibas are some of the most expensive cigars in the world, and are the considered to be the original “gold-standard” for cigars.

Fast-forward to this century, and the Cubans have all but eroded their advantage and status among true cigar afficionados as “the Rolls-Royce of cigars” (much like the car producer in the late 80s and early 90s), and they will rather put down their hard-earned cash on a box of Honduran cigars instead of a box of Cubans of dubious quality. It is the experience of this writer, that with even the best of Cubans, say Cohiba and Bolivar, you will have a handfull of cigars that are rolled either too tight, too lose, wrappers aren’t spotless or there may be soft spots in the cigars giving an uneven burn. Issues that are much less prevalent in cigars from Nicaragua, Honduras or the Dominican Republic at even a quarter of the price. Therefore, as much as it pains me, I would recommend the up-and-coming cigar connoisseur to give the Cubans a pass unless (s)he has a fortune to spend.

In-fact, all sales go through the state-owned Habanos S.A., and they divide the cigars meticulously into three quality tiers: Those for sale in Cuba and Spain; Europe (2nd tier) and the 3rd tier which is sold to the rest of the world, Thailand included. So sadly, when you buy your Cohiba for a veritable fortune, it comes from the lowest quality tier.

And NO, that box that your acquaintance happened to buy cheap from the Cohiba roller in the bar in Havana when vacationing in Cuba is counterfeit! It is most probably made with the discarded parts of the leaves that didn’t cut it for “real” tobacco production. You may just as well just burn your money instead and save you the grief. Cohiba, Bolivar, Montechristo, Partagas and all of the other big-name brands employ a number of counterfeit measures such as holograms, special stickers and so on to prevent counterfeit cigars. Besides, a cash-stripped country wouldn’t sell ANY cigars out the back door, so all production is under constant control and surveiilance to prevent just that. Finally you wouldn’t expect to buy an actual Chanel bag in Patpong, would you?

It is not uncommon to hear people say “I only smoke Cubans”, and all the way up to the Cuban revolution the very best cigars in the world DID come from Cuba. Today, however, Nicaragua, Honduras, the Dominican Republic and even Brazil and Venezuela produce cigars that surpass most of the Cuban cigars. samui phangan real estate

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Seven countries dominate the world of cigars, of which Cuba and Nicaragua vie for the position of being the biggest producer with about 150 million hand-rolled cigars each. Honduras and the Dominican Republic come next, and finally Ecuador, Brazil and Mexico are all producing some fine sticks that are relatively easy to get your hands on. Other countries make cigars as well, for instance Costa Rica, Venezuela and Indonesia (Sumatra). In this article, we’ll concentrate on the “big three” from the new world as you would be hard-pressed to find cigars from the other countries in Thailand or in Asia in general.

There are commonly two “schools” of taste: The Nicaraguan taste, which is hearty, bold and to some overpowering and un-delicate. And then there’s the non-Nicaraguan taste, which is delicate and refined, but to some is seen as bland and underwhelming. To this author, what you feel like smoking depends on day, weather, time of day, mood and so on, and I have Nicaraguan as well as non-Nicaraguans in my humidor.

Besides, the taste-profiles of the countries are merely broad guidelines, much like it would be with wine. You can just as easily find a delicate Nicaraguan (Perdomo Champagne comes to mind) as well as a in-your-face non-Nicaraguan (CAO Brazlia would be a good example). At the end of the day, the type of tobacco and how it is grown has just as much, if not more, influence on taste.

In this age where “artisinal” is the buzz word for all things good, nothing can be more true to the word than cigar production.

More than 100 steps, almost all by hand, go into the production of a good cigar!

Nicaragua is now a major cigar country, now surpassing the Cuban production in numbers, and they produce some of the greatest cigars in the world.

The Nicaraguan cigars are commonly known as being more full-bodied than their siblings from Honduras and the Dominican Republic, and some can even be seen as overpowering to the uninitiated or “virgin” cigar smoker. Much in the same way that some of the meatiest and most full-bodied wines like Amarone and Barolo. That doesn’t mean, however, that all cigars are peppery power houses. Perdomo have strong as well as delicate cigars, as does My Father’s Cigars, whereas the CAIN cigars from Oliva have gained quite a following for their “in-your-face” style.

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Nicaragua has become eponymous with good cigars, to the point where even Davidoff launched a “Nicaraguan” line about 5 years ago.

Olicva, through their experimental blender Studio Tabac, surprised the Cigar world with the NUB, and carved out an entirely new niche.

Today, there are several Nicaraguan blenders who are widely recognized as producers of some of the finest cigars in the world. To mind comes Perdomo, who started out as a relatively small boutique blender and has now become a major force to be reckoned with. Their cigars are relatively smooth and creamy and always of impeccable rolling quality. One to try is definitely the Lot 23 and the 10th Year Anniversary Champagne.

Another very famous Nicaraguan brand is Oliva, who caused a bit of stir when they launched their NUB line – a cigar a mere 4” inches long, where the flavour is supposed to be uniform from start to finish.

Honduras is another major player on the cigar market as of today. Unlike the Nicaraguan cigars, the Hondurans are known for being more subtle and delicate with a finer taste profile. The Honduran cigars are more suitable for new cigar smokers, although here there is not a rule without exceptions: you can find strong, meaty cigars in Honduras too. Most notable Honduran cigar company is probably Gran Habano, although other producers such as Gurkha and CAO also have quite a following for their exquisite and delectable cigars.

This deviated from the usual philosophy of having destinct 1st, 2nd and 3rd parts of the cigar with somewhat different taste. Oliva’s normal sticks, of which the Oliva V Melanio won the highly coveted “Cigar of the Year” award some years ago, are of the classic style with distinct thirds.

The Persian King by Gran Habano is a personal favourite of this author: Big, subtle, floral and with awesome taste – but it can be a bit hard to get in Thailand. But if you find, by a box of 50 – you won’t regret it!

Perdomo has also made an Ultra-­Premium stogie named after Nick Perdomo’s Father, Don De Silvio. These sticks are rare as well as pricy.

A third Nicaraguan cigar maker of great renown is Pàdron: premium cigars that are virtually never on sale. But their Maduros are basically what all other Maduro Cigars aspire to be! Hard to find in Bangkok, but well worth it!

Dominican Republic is the fourth of the major cigar producing countries, and like Honduras they are known for a wider range of flavours with fewer peppery notes than Nicaragua. One of the very best cigars in the world, the Arturo Fuente Opus X hails from the Dominican Republic. Also, Piñar del Rio (PDR) has a wide selection of cigars from the most delicate and intricate to veritable power houses like the PDR AFR-75.

Finally, Gurkha also produce some of their very best cigars in Honduras, notably the Gurkha Ghost and the Gurkha Cellar Reserve.

I mentioned at the beginning of the article that other countries, such as Mexica, Costa Rica, Brazil and Venezuela produce quite good cigars.

Noteworthy are especially the CAO Brazilian and the CAO

Pàdron – THE maduro cigar to try out – pricy but good!

Gurkhas are known for their unique packaging, and sometimes at the cost of the cigar. The Gurkha Ghost, however, is a master­piece: Creamy and bold at the same time and well worth the money!

Amazon, where the former is sort of a “low-price” version of the latter. Both are worth your hard-earned money, though. With only four pages for this article, I have to stop somewhere, so all that remains is for me to wish you happy smoking. If you wish to share your tasting experiences, feel free to write to me at cigars@ anubisconsult.com.

Enjoy, and see you next time! samui phangan real estate

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The Ridge Anamaya Samui Emerald Villas IVL Property Mandalay Beach Villas

Callisto Villas

Minigolf Petcharat Marina

Nautilus

The Seasons Horizon Homes/ Horizon Residence/SIL Architects

Samui Living Company

RS Built

Century 21

Makro Mandalay/Onyx Realty Luxury Asia Lifestyles Remax Island Real Estate Samui Exotic Properties Archi Studio Seara Sports

Bangkok samui Hospital Angthong Sunset Villas Panorama Group

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Verano Residence

Pool & Shade

CD&P

Kanda Residences

LIVING IN KOH SAMUI

Image Courtesy of Samui Aerial Mapping

Despite being only 230km2 Koh Samui is one of the world’s top holiday destinations, pulling in tourists from across the globe... so popular in fact that people often don’t want to leave! The beautiful beaches, laidback lifestyle and plentiful amenities are just a few of the attractions that inspire people to pick up house and relocate to this idyllic island. Whether you are considering a permanent move or a holiday home, Koh Samui has plenty of exciting real estate opportunities to be snapped up.

Attracting 1million+ visitors annually, Koh Samui is unique in that it appeals to a large variety of tourists including young back-packers, families, couples and high-end luxury travelers - as such the island takes on multiple personalities providing a considerable offering of accommodation, entertainment, shopping and dining. This can prove advantageous to those wishing to move as although one area might not suit there is bound to be a contrasting locality relatively close by. Samui bridges island life and comfortable western living perfectly, allowing residents to benefit from the relaxed ‘barefoot’ atmosphere whilst also indulging in their expected home comforts. The island has developed considerably over the years and now boasts a full range of service amenities and facilities.

When it comes to ease of living the island boasts a good range of shopping facilities with Tesco, Makro, Big C and Tops supermarkets. Frequent 7-Elevens, Family Marts and Tesco Express make day-to-day shopping easy as well as the numerous fresh markets in each

area offering reasonably priced local cuisine alongside fresh fruit, vegetables, meats and fish. The retail market in Samui has shown considerable expansion over the last few years - most notably in the form of the recently opened Central Festival Shopping mall showcasing a delightful mix of local crafts and entertainment beside high end shopping and dining experiences. The mall caters to all budgets from designer fashion brands like Jim Thompson and Jaeger to high street brands such as Uniqlo and Aiiz. The Central World department store stocks international brands in clothes, accessories, toiletries and electronics. Chaweng, Bophut and Lamai also have busy shopping high-streets; Bophut in particular boasts an eclectic mix of boutique and luxury stores, most prominently in the newly built and stylish ‘The Wharf’ Shopping area.

Known internationally for its comprehensive list of fine dining experiences and involvement of top class chefs, Samui is the first stop for many foodies exploring Thailand. The island hosts a plethora of 5 star dining establishments boasting top-class wine selections, artfully created dishes and opulent surroundings.

Fortunately, not all eating experiences need pull so heavily on the purse strings, Samui offers a range to suit all budgets from boutique bistro’s, casual dining and, not forgetting, the impressive selection of local Thai restaurants offering a more affordable eating experience. Koh Samui is also a forerunner in the health food market, with many businesses successfully promoting specialised dining including raw, vegan and gluten free options. samui phangan real estate

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As with dining, the nightlife in Samui is diverse and works hard to cover all bases and preferences. Long-standing sophisticated beach clubs like Beach Republic and Nikki Beach serve top class food and beverages in chic poolside surroundings. For a livelier scene the bustling Chaweng high street, with it’s all-night bars and clubs attracts flocks of young travelers every night and regularly hosts international DJs and performers. Bophut’s small cobbled streets brimming with boutique bars and beachside restaurants is the perfect retreat for laid back, upmarket cocktail sipping. Lamai lies somewhere in between the two, appealing to both families and young people in search of a slightly less intense night out. Lipa Noi is favoured for romantic getaways, offering a secluded, yet still well catered option. Finally, displaying a delightful ramshackle charm, Nathon is a glimpse into a more authentic Thai residential experience away from the tourist route.

For families moving to Koh Samui there is a wide choice of well-established nurseries and schools. International School Samui (ISS), Oonrack, Panyadee the British International Scool or Lamai International School provide reliable, internationally accredited education of high standard mostly following the English National Curriculum.

There are a growing range of clubs and weekend activities available around the island to keep everyone in the family busy, including sporting clubs such as: football, dance, ju jitsu and horse riding and also more relaxed family days out at Coco Splash or Pink Elephant amusement park.

Koh Samui is now easily very accessible both from within and outside Thailand; flights arrive and depart direct to Bangkok, Phuket, Pattaya, Singapore, Hong Kong and Kuala Lumpur and there are also two ferry piers serving the mainland. With this ease of access and so much on offer, Koh Samui has now become as much a place to live as it is a place to visit. It is a multi-faceted residential island with an enviable range of services and facilities to choose from, all of which combine to provide ‘Samuians’ with the perfect long-stay or permanent residence.

With regard to real estate on Koh Samui, traditionally development on the island has been more abundant on the Northern and Eastern coasts mostly due to the proximity of busier towns, golf courses and of course the airport. These areas are significantly lucrative in terms of rental potential, and currently the most secure in terms of resale, as most tourists and buyers are still focusing on this part of the island.

However, over the past few years the west coast has seen accelerated development, including a number of luxury hotels and resorts, so would certainly present an exciting opportunity for purchasers. While buying property in a foreign country is always going to be a big jump, investors in Samui can feel secure that they are investing in a rising market with solid foundations.

As property offerings continue to improve in terms of scope and quality, Samui has attracted purchasers internationally, most numerous originating from China, Russia and the Middle East. Virtually all investors have seen their investment increase in value – capital appreciation varying from 15-20% annually or up to 90-100% from the launch of a project to transfer of title! The range of properties on offer has also diversified greatly, while once thai style villas and lower lying land was the main option now there is an ever growing number of western style condominium buildings, townhouses and luxury mountain villas.

The rise in real estate has ensured that the property sector is soundly supported by professional services, such as English speaking lawyers; reliable real estate corporations; quality construction companies and efficient building suppliers. However it is still important to choose carefully and consider legal requirements at the time – please see back pages for more details on upto-date requirements. It is highly suggested that you speak with a qualified agent first if you do desire to invest in the island.

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LIVING IN KOH PHANGAN

Image Courtesy of Koh Phangan Luxury Villas

Are you a discerning traveller? Wish to relax? Want to be active? Yearning for the element of balance?

Then you need to look no further than incredible Koh Phangan where you will find meditation, yoga, saunas, detox and wellness centres to Muay Thai boxing, kayaking, wakeboarding, kite surfing, beach volleyball, paddle boarding, zip lining, elephant trekking, archery, diving, snorkelling, wave riding, free diving, horse riding, trekking trails, hiking trails, mountain biking, rock climbing and fine dining all at your fingertips.

Koh Phangan, accessible via boat/catamaran from mainland Suratthani or a short ferry ride from Koh Samui, may be synonymous for the Full Moon Party contained at the southern most tip of the island, however, Koh Samui's pretty little sister has so much more to offer for all discerning tastes and budgets.

Blessed with an abundance of waterfalls, the most famous of which must be Than Sadet Waterfall visited many times by the revered Great Rama V who left his royal seal engraved on a rock which can still be seen to this day. The late and beloved King Bhumibol Adulyadej (also known as Rama IX - as he was the ninth monarch of the Chakri Dynasty) had also visited Koh Phangan thus this island holds a spiritual connection to the Thai nation and tourists alike.

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Buddhist Monks realised Koh Phangan's tranquillity and spiritual importance and subsequently settled in Wat Phu Khao Noi just outside of the main town of Thong Sala as one of the first temples on the island.

Within an area of approximately 167km2 with over 70% being unspoilt mountainous and tropical forest many more temples are nestled coherently within the islands natural flora and fauna offering a feast for the eyes of all visitors.

Koh Phangan being relatively undiscovered and undeveloped still has the postcard perfect secluded deserted beach coves awaiting discovery via the traditional mode of transport, the long tail boat or for the more intrepid explorer by hike. You truly feel that you are the first to leave a footprint!

In that vein Koh Phangan's beauty is emerging as an attractive destination for weddings and events. Due to Koh Phangan's granite structure, there are several small mountains where it's possible to trek/hike. The highest being Khao Raa at over 600m above sea level taking 2-3 hours to realise the summit. There is a bounty of wildlife from monkeys, wild boar, exotic reptiles to stunning birds of paradise not forgetting the spectacular coral reefs that envelop the plentiful bays where the amazing underwater world is accessible for snorkelers and divers equally.

Image Courtesy of Kerry Manning

Luxurious chartered yachts circumnavigate this idyllic isle daily. Soaking up the bountiful canopy from off shore then anchoring to witness a stunning sunset that Mother Nature delivers time and time again.

Koh Phangan, situated within the Gulf of Thailand in the province of Suratthani is the centre of the Samui Archepelago. Shouldering Koh Samui and Koh Tao it is not only “worth a visit” it is an essential enhancement to your Kingdom Of Thailand visit.

The versatility found on the island of Koh Phangan is a draw to visitors of all walks and ages.

The original back packers of yesteryear have now grown up and are the new breed of diverse visitor, with their families, who are investing in this slice of paradise.

Image Courtesy of Kerry Manning

Found predominantly in the more relaxed north and west of Koh Phangan you will see a more authentic Thailand with top end luxury villas aesthetically constructed and enhanced by the native flora and dramatic landscape.

An integration that is refreshing and in keeping with traditional Thai styles and values to which a certain clientele look for.

Image Courtesy of Koh Phangan Luxury Villas

The indigenous populace continue to harvest cashew nuts, coconuts, squid and fish however there is a harmonic co-dependence between the local and expat communities, unlike neighbouring islands, a balance that is invigorating to witness.

Benefiting from the creature comforts of a Makro, Big C, Tesco Lotus Supermarkets, Home Mart, Home Pro, a choice of delicatessens plus fine dining, Koh Phangan is moving forward at a slow but steady pace.

The island of Koh Phangan is a phenomenally special destination, some would say a national treasure. It is surely a gem in the Gulf of Thailand. samui phangan real estate

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the legal arena l land title deeds

LAND TITLE DEEDS IN THAILAND There are two main types of land ownership in Thailand which we should explain

RIGHTS OF POSSESSION Firstly there is the right of possession, for example, land that has been used by a family for generations to the benefit of the land and they have possession rights of the land under the civil and commercial code. Such titles are Sor Kor 1,Tor Bor 5 , 6 or Sor Por Gor 4. These titles basically are only family possession rights and generally only used for farming. These titles can not be bought or sold and no building rights or legal acts would be allowed on the land. I do know of cases where families being in possession of certain pieces of land for generations have been able to upgrade them to regular land title deeds but this is not generally the case and any serious investor would not normally give any credibility to these titles of possession.

RIGHTS OF OWNERSHIP Usually we are looking for land title deeds giving right of ownership not possession. Here there are basically three title deeds:- Chanote, Nor Sor 3 and Nor Sor 3 Gor. The most sought after titles are the Chanote and the Nor Sor 3 Gor as both these titles have legal documents of Rights of Ownership and can be sub-divided into smaller plots and planning permission and any such legal acts can be carried out immediately on the land.The only difference with the Nor Sor 3 is that although legal documents are issued for the land it has not been accurately surveyed which can lead to problems in verifying actual land area. And if any legal act is to take place on this land it must be published for at least 30 days.

As we have been saying all the way through if it is not clear 100%, seek the advice of a legal professional in this field, as there are also many other issues that are important to consider such as servitude, access and rights of way.

LAND MEASUREMENT & SURVEY Land in Thailand is measured in Rai, Ngan and Talang Wah. • 1 Wah= 4 sqm • 1 Ngan= 100 Wah or 400 sqm • 4 Ngan= 1 Rai or 1600 sqm In comparison to Western Standards: • 2.50 Rai= 1 Acre • 6.25 Rai= 1 Hectare

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the legal arena

TIPS FOR STARTING A NEW BUSINESS Are you planning to start your own business for the first time in Thailand? If so, we hope this useful information will help put your business on the right track.

The simplest and easiest sort of company for foreigners to form with a small business is a Thai Limited Company.

In Thailand, a Limited Company is a company with up to 100 shareholders, who share the same business purpose and is formed with a Capital divided into equal shares.

GETTING STARTED To set up a company, you must first have the memorandum that can be acquired at the registration office. To properly register, you are required to provide the authorities with details of your company and list a minimum of three shareholders (who can either be Thai or foreign nationals or both). At least seven days after you first approach the department, you can call a shareholder’s meeting to reach an agreement on the purpose of your business and set up the company’s operational rules.

Having agreed on the purpose of your business, you can then apply for business registration at the same department.

If you cannot agree on company rules, you can refer to those stated in the Civil and Commercial Code’s partnership and companies section.

SHARES Besides the issues of business registration, you must also make sure that your company’s shares are worth no less than 5 baht each. These shares can be transferred or even sold if the company has no regulations on this matter.

Every shareholder must be given a share certificate, a document that guarantees their status as a shareholder.

Should anyone wish to transfer their shares to another party; they have to fill in the share transfer form that confirms the deal between the transferor and transferee.

The company also has to have in its possession a register of shareholders that contains a record of all the company’s shareholders. The book is evidence that will identify the company’s shareholders.

SHAREHOLDERS AND CHAIRPERSON A Limited Company’s shareholders can be either Thai or foreign nationals or both, but the percentage of shares held by foreign national plays a significant role in determining the nationality of your company, which may impose serious limitations on the company’s rights, such as landownership.

If less than 49% of your company’s shares are held by foreigners, your company is considered a Thai company.

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However, if foreign nationals hold more than 49% of the shares, your company is a foreign company.

The significant differences between Thai and foreign companies operating in Thailand lie in their rights to buy and own properties or other businesses. It is therefore important, especially for those in real estate and development businesses, to know and remember that unless your company is Thai, you are restricted in the ability to possess and obtain land and property in this country without an exemption granted by the government.

Foreign companies are also restricted to certain activities and to proceed with certain operations the company will have to apply for permission from the government. In such instances, applications will be considered case by case. They will also face tough scrutiny and strict restrictions on their right to operate and ability to run their business. These companies will be treated in the same way as foreign nationals seeking jobs in Thailand.

If you are registered as a Thai company, you are automatically granted the right to purchase and own properties and other business and will be treated the same way as a Thai citizen. However, according to new legislation that has recently come into effect, the Land Department’s staff are now required to thoroughly investigate your Thai shareholders’ sources of income. Thai shareholders in a company wishing to purchase properties in Thailand have to declare their income and provide the authorities with evidence that proves their ability to co-invest with other foreign shareholders in the same company. Only those successful in convincing the authorities are granted the right to purchase and possess land. Companies with approval from the Land Department can then proceed with their applications for land title deeds or other certificates of use and possession.

LITTLE THINGS THAT MATTER A company limited has to have its own board of directors to act on behalf of the company. This panel will, however, act under the regulations and agreements approved by the shareholders. Appointing directors or removing any of them requires shareholders approval.

At the end of the company’s financial year, within five months, it shall be the duty of the company to present the balance sheet to the Department of Business Development (DBD). If your company fails to present the balance sheet, the company will be fined up to 50,000 baht and the company’s board of directors may also be fined up to 50,000 baht. If the committee refuses to pay the fine, the police can appeal to the court for a warrant and file a lawsuit against the resilient parties. Withdrawal of the company’s business registration is also another penalty the company may face, should they not provide the authorities with the necessary statement.

Information courtesy of Khun Surin Puangpakdee Senior Lawyer NSP&Laws Firm +66 077 458 204

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Translation courtesy of Jade Fang Jman Marina +66 08 1893 8366

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Translation courtesy of Marion Siepe

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Translation courtesy of Thai Property +66 08 6948 4443

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Translation courtesy of Laurent Samui Phangan Properties +66 08 9587 2850

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the legal arena l building regulations

BUILDING REGULATIONS ON KOH SAMUI In order to build on Koh Samui you must first obtain a building permit from the municipality office and your building must meet certain requirements, depending on the location of the land on which you wish to build.

There are 4 defined areas for land depending on its distance from the beach.

(See diagram on opposite page)

STAGE 1. Land up to 10 Meters from the beach. The law states that no construction is permitted within this area.

STAGE 2. Land up to 50 Meters from the beach. Within this area you are permitted to construct a single storey

building only It’s height cannot exceed 6 Meters (including the roof) and the building cannot exceed the maximum allowed area of 75 Square Meters.

STAGE 3. Land up to 200 Meters from the beach. Within this area you are permitted to build up to a maximum height of 12 Meters (including the roof). The maximum allowed size is 2000 Square Meters.

STAGE 4. Land located more than 200 Meters from the beach. Within this area, building of up to 12 Meters in height (including the roof) can be constructed.

In addition, all buildings must now be constructed with peaked roofs, flat roofs are no longer permitted.

Information courtesy of Manit Tajew (Senior Lawyer Miklaw Associates)

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samui phangan real estate

ENVIRONMENTAL REGULATIONS ON KOH SAMUI AND KOH PHANGAN There are defined areas relative to the distance above sea-level (i.e., reference to height above sea rather than set-back from shore-line), pursuant to the Regulations of Resource and Environment, 30th May 2557 (2014) (“Environmental Regulations”).

Level 1 - Land less than 80 metres above sea level.

In general, no additional rules apply in this level, subject to rules relating to hotels (50 percent of hotel land area must be left un-built on and “green”), residential projects consisting of 10+ units (must have water and waste treatment facilities), in addition to rules relating to water-dams, golf courses and airports.

Level 2 - Land between 80 – 140 metres above sea level.

Within this level, a single family home may be constructed on land that is 100 square wah or greater (if the land is less than 100 square wah, construction is prohibited). Structures cannot exceed 6 metres in height and must leave 50 percent of the land un-built on and “green; must have an architectural design based on traditional Thai, tropical or local aesthetics; must have a roof consisting of 80 percent of the total building area, and that matches the natural surroundings; and must include an approved water-drainage system, to prevent flooding.

Level 3 – Land greater than 140 metres above sea-level.

Within this level, the same rules apply as in Level 2; and in addition, structures in Level 3 cannot exceed 90 square metres.

Slope Rules In all levels mentioned, where the land has a slope of between 35-50 degrees, only a single family home is permitted, which cannot exceed 6 metres in height and 80 square metres in area, and which must leave 75 percent of the land un-built on (50 percent of the un-built land area must be “green” with native trees). Furthermore, the land area must be 120 square wah or greater, otherwise construction is prohibited. If the slope is greater than 50 metres, construction is likewise prohibited.

Information courtesy of Jeffrey Martin of Limcharoen Legal www.Limcharoen.com

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103

realty in focus l villa rentals

V

illa rental is fast becoming the preferred holiday accommodation option for a vast majority of vacationers to Koh Samui and Koh Phangan.

Renting a villa as a family or group of friends can prove far more economical in the long run than hotel accommodation and can afford you the luxury and privacy you seek on a holiday without breaking the bank.

For longer term lets, there is a multitude of options from private owners to agent lets ranging from basic to 6 star luxury – all you need to do is spend some time finding the right villa for your long-term living needs.

Holiday villas are generally fully furnished and include a full western kitchen with appliances, towels and bed linens, water and electricity and will normally include a maid service who will come once or more a week to change linen and tidy the villa, as well as a maintenance person to take care of the gardens and pool if included.

There are a host of other optional services on offer such as a private chef, babysitting, pre-arrival shopping, laundry, driver or car hire, butler, island tours, personal training, massage and spa treatments, Thai cooking lessons...simply do your research and ask lots of questions when selecting your villa to see what is available to you during your stay.

If booking your villa from outside of Thailand, it may be wise to use one of the more established

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samui phangan real estate

and recognised agents to ensure you are getting what you pay for. While it may seem cheaper to go directly through the home-owner, agencies usually have representatives in Samui and Phangan who can advocate on your behalf. That can include minor repairs or even moving you to another property if you’re not satisfied with your original choice. That’s something that the owner can’t help you with.

Prices can vary greatly depending on the location of the villa (closer to the beach or beach-front means you will pay for the access and view!), the size/bedroom numbers, the facilities, services and the standard of the villa - with several levels of luxury available! There are hundreds of villas available on the islands starting from basic, mid-level, luxury and beyond – it’s truly reliant on your budget and your requirements - either way, you will not be stuck for choice.

Generally a deposit of 50% or more is required to secure the villa of your choice prior to your holiday and the remainder paid in full upon arrival, this may vary from agent to agent. Read the rental agreement very carefully to make sure you understand what’s provided as well as any and all conditions, exclusions, inclusions, costs and penalties.

When you decide on the ideal holiday villa to suit your needs, you can relish in the fact that you will enjoy privacy, space and of course the beautiful tropical surrounds of Koh Samui and Koh Phangan. Happy holidaying!

Photo Courtesy of Horizon Homes

Villa Letting agents ADVANCE INTER DEVELOPMENT............. 077 231 625

NIRVANA Villa...............................info@nirvana-villa.com

Argus Asia Villa . ............................... 081 978 3712

OVERSEAS PROPERTY PORTFOLIO....... 080 535 1725

Blue Building....................................... 082 819 5815

ONYX REALTY......................................... 093 878 2824

CENTURY 21 ZAZEN............................... 089 866 8931

PALM GROUP ASIA................................. 085 795 9393

EATS & RETREATS................................... 089 866 4515

PHATHONG RESIDENCE.........................089 813 5715

EVER ASIA ENTERPRISES....................... 093 575 4757

REMAX ISLAND REAL ESTATE................ 080 041 0420

HORIZON HOMES..................................... 077 417 005

SAGE LAND & HOUSE............................. 089 016 9750

HORIZON RESIDENCE............................ 085 660 2794

SAMUI BEACH VILLAGE............................ 077 418 256

INFINITY RESIDENCES & RESORT............ 077 914 050

SAMUI ESCAPES....................................... 077 425 136

IVL Property.......................................... 077 417 113

SAMUI PROPERTY CENTRE.................... 087 180 7247

KALARA INTERNATIONAL PROPERTIES..... 077 246 100

SAMUI EXOTIC PROPERTIES.................. 091 043 1204

KLIK ASIA.................................................. 089 866 4515

SAMUJANA.............................................. 080 886 4226

Koh Phangan Luxury Villas.................. 077 374 354

Seanado Property & Management.. 062 686 2888

KOH SAMUI LAND & HOMES.................. 089 474 1837

Silk........................................................... 077 423 766

KOH SAMUI PROPERTIES......................... 077 484 770

THE SEA.................................................... 077 960 567

LUXURY VILLAS AND HOMES................... 077 427 648

Thong Lang Villa................................ 062 895 9924

LUXURY VILLAS SAMUI........................... 084 842 7506

Vauban Real Estate Samui.................. 077 963 146

LUXURY VILLAS SIAM............................. 087 922 8381

Villa Maya............................................... 077 417 113

LAEM SOR VILLAGE................................ 081 406 1065 samui phangan real estate 

105

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ISLAND CONTACTS PROPERTY DEVELOPERS/ ESTATE AGENTS 10 STARS REAL ESTATE...................................... 086 273 1117 ADVANCE INTER DEVELOPMENTS .....................077 231 625 Ample samui.......................................................096 979 6442 ANAMAYA SAMUI.................................................... 077 417 113 ANGTHONG APARTMENTS....................................077 430 326 Asia Luxury Properties................................092 276 1889 ANGTHONG SUNSET SEAVIEW VILLAS.............089 972 1539 APOLLO BEACH CLUB ........................................085 906 2630 AQUALINA SAMUI.................................................081 837 6001 Ariya Samui.........................................................062 686 2888 AZUR SAMUI.........................................................098 050 2120 BAAN FAA SAI BY ANGTHONG HILLS...................086 256 555 BAAN RAK TALAY .................................................. 077 430 326 BAN TAI ESTATE...................................................094 598 8475 Ban Tai Seaview Land.....................................092 276 1889 Baan Sabai Samui Villas................................094 649 4713 BAANSUAY LAND & HOUSE..................................077 426 967 BAMBUH................................................................086 061 4280 BAN SWEET COCONUT.......................................089 500 9800 BASE DEVELOPMENTS.........................................077 961 762 BAVARIA VILLAS ................................................. 083 590 6190 Bay Residence Koh Phangan ..................... 086 074 9219 BEACH REPUBLIC................................................ 089 011 9538 BLUE BUILDING PROPERTY ..............................082 819 5815 BLUE BUILDING CONSTRUCTION .................... 087 046 1314 BLUE SEA RESIDENCE .......................................083 593 3967 BONDI AUSSIE BAR & GRILL ..............................084 630 4676 CALLISTO LUXURY VILLAS.................................081 893 5996 CD&P......................................................................081 924 9574 CENTURY 21 ZAZEN PROPERTIES....................093 580 3072 CHAWENG BAYVIEW RESORT...........................077 414 071-5 CHAWENG COVE BEACH RESORT......................077 422 509 C VIEW VILLAS.....................................................091 786 3998 DHEVATARA PROPERTY........................................077 430 326 Dream Villa........................................................098 040 0956 Dune Hills..........................................................092 979 2099 ECO REAL ESTATE ASIA........................................077 961 991 EMERALD RESIDENCE........................................081 903 8003 EVER ASIA ENTERPRISES..................................093 575 4757 EXCLUSIVE VILLA ................................................084 708 1501 HILLSIDE VILLAGE...............................................081 903 8003 HOLLYWOOD VILLA..............................................083 396 0244 HORIZON HOMES...................................................077 417 005 HORIZON Residence...........................................077 417 005 Infinity Residences & Resort Koh Samui.....077 914 050 IVL Property........................................................ 077 417 113 JLL..........................................................................081 806 8852 Kasa Development..........................................092 979 2099 KOH PHANGAN LUXURY VILLAS..........................077 374 354 KOH PHANGAN HOLIDAY HOMES......................087 898 3918 KOH SAMUI LAND & HOME..................................089 474 1837 KOH SAMUI PROPERTIES.....................................077 951 620 KALARA INTERNATIONAL PROPERTIES..............077 246 100 KIRIKAYAN...............................................................077 247 867 LOTUS TERRACES...............................................089 972 3043 LUXURY LIVING KOH SAMUI...............................091 034 3808

LUXURY VILLAS AND HOMES...............................077 427 648 LUXURY VILLA SAMUI..........................................084 842 7506 LUXURY VILLAS SIAM..........................................087 922 8381 LUXURY PROPERTIES KOH SAMUI......................077 423 503 MANDALAY BEACH VILLAS.................................093 878 2824 MANDALAY SAMUI DEVELOPMENTS ................093 745 0566 Marina Bay Samui.............................................098 742 6760 MINI GOLF.............................................................081 787 9148 NARESH..................................................................077 426 944 NAUTILUS.............................................................082 427 4888 Nature Architects.........................................063 592 8956 NIRVANA Villa.... ..................................info@nirvana-villa.com OCEANS VIEW RESIDENCE..................................077 423 503 OCEAN 11 BEACH FRONT RESIDENCE.............089 813 5715 OCEANIS SAMUI.....................................................077 423 503 OVERSEAS PROPERTY PORTFOLIO ................080 535 1725 ONYX REALTY ......................................................093 878 2824 PALM CREEK RESIDENCE...................................081 374 0014 PALM GROUP ASIA...............................................085 795 9393 PANORAMA GROUP SAMUI.................................083 597 8633 PEARL PROPERTY...............................................081 370 2480 PHATHONG RESIDENCE.....................................089 813 5715 PLUMERIA PLACE..................................................077 430 043 REMAX ISLAND REAL ESTATE ...........................080 041 0420 REPLAY SAMUI ..................................................... 077 448 201 RESOTEL GROUP INTERNATIONAL...................081 737 3076 SAMRAN GARDENS.............................................089 474 1837 SAMUI BURI BEACH RESORT............................077 447 275-9 Samui Emerald Villas....................................098 437 5231 SAMUI ESCAPES PROPERTY MANAGEMENT..... 077 245 136 SAMUI EXOTIC PROPERTIES................................077 484 962 SAMUI Living Company....................................093 697 6647 SAMUI PHANGNAN PROPERTIES.......................081 979 0679 SAMUI PROPERTY INVESTMENTS.....................087 886 6437 SAMUI PROPERTY CENTRE ...............................083 182 5430 Samujana ........................................................... 061 201 1170 SAGE LAND & HOUSE..........................................089 016 9750 SAMUI RESOTEL BEACH RESORT.......................077 422 374 SAMUI BE ONE CO., LTD...................................... 077 960 560 SAMUI BEACH VILLAGE.........................................077 430 326 SAMUI DIAMOND PROPERTIES..........................087 895 4132 Samui Prestige Homes...................................065 586 6580 SAMUJANA............................................................080 886 4226 SAITARN SAMUI....................................................094 805 7799 Seanado Property & Management...........062 686 2888 SHAnti Samui......................................................092 470 4817 SIAM IMMO COMPANY.........................................081 850 6475 SINTHORANEE PROPERTY...................................077 414 222 SKYPIA SAMUI......................................................098 742 6760 Solar City..........................................................095 361 4559

STEJ’Y PROPERTIES AND DEVELOPERS.........095 739 6170 SUNWAY VILLAS...................................................091 043 7977 TALING NGAM TROPICAL VILLA..........................089 651 0302 TANAPA HOME......................................................086 944 0476 THE BAY SAMUI.................................................... 084 111 7500 The Green Place Residence........................093 574 8735 THE ROYAL MOUNTAIN........................................081 956 1636 THE SEA KOH SAMUI.............................................077 961 982 THE SEASONS......................................................080 776 5822 Thong Lang Villa.............................................062 895 9924 THONG NAI PAN ESTATE.....................................083 391 8159 TROPICAL HOME.................................................082 179 3933 VANAYA LUXE PRIVATE VILLAS..........................093 745 0566 Vauban Real Estate Samui..............................077 963 146 VERANO RESIDENCE..........................................083 182 5430 VERTICOLOR SAMUI .............................................077 914 000 Villa Maya............................................................. 077 417 113 VILLA TAWAN........................................................094 598 8475 X2 RESIDENCES...................................................082 495 2525

LEGAL SERVICES Accounting Services....................................098 017 0587 LIMCHAROEN LEGAL...........................................093 575 9675 BLUMENTHAL RICHTER & SUMET.......................077 231 732 CHARNDELL DISPUTE MANAGEMENT................02 514 9170 DFDL Legal & Tax.................................................077 960 757 MANIT & ASSOCIATES LAW OFFICE...................094 795 7777 NAI ANDREW PARK..............................................081 830 4462 NSP & LAWS FIRM..................................................077 458 204 SUKHOTHAI INTER LAW........................................077 430 642 VITTAYA BUSINESS LAW OFFICE ........................077 484 470

LIGHTING SYSTEMS CREATIVE SYSTEM PROJECTS ........................ 080 698 6811 JMAN LTEK LED-LIGHTING................................. 081 893 5996 AV INSTALLATION SYSTEM.................................089 971 5775

HOME & DECOR CERA......................................................................084 648 5333 Cocoon Home Decoration & Design.........080 345 3015 Happy + Co..........................................................091 159 9673 I.P.M. SAMUI..........................................................081 894 4093 Loft by oriental living...................................077 247 675 ONE STOP SOLUTIONS.......................................081 893 4935 NUTTARAT DECORATE .........................................077 920 266 ORchId house Design & interiors ............091 159 9673 ORIENTAL LIVING...................................................077 247 675 Pure Samui.........................................................092 652 4248 rudi windows & doors..................................081 893 4936 SLEEP NAKED............................................. www.sleepnaked.hk SURAT BAANSAUY...............................................081 691 1719 SUNFLEX ASIA...................................................... 077 414 412

GARDEN & LANDSCAPE BOTANICAL DESIGNS LANDSCAPING...............084 315 9742

KITCHEN HARDWARE FRANKE KITCHENS................................................02 236 9777 HAFELE...................................................................077 423 580 IKON KITCHEN......................................................061 549 7855 IPM SAMUI.............................................................081 894 4093 ONE STOP SOLUTIONS.......................................081 893 4935 RS VENTURE.......................................................02 662 3571-3 Rudi Windows & Doors...................................084 355 500 CP POOL..................................................................077 234 410 DESJOYAUX............................................................077 247 588 JD POOLS................................................................077 427 356 PARADISE POOL INTERIORS.......085 863 9729 / 062 223 1546 POOL & SHADE.......................................................077 423 460 TSP POOLS.............................................................077 234 034

DESIGN SERVICES Archi Studio......................................................089 972 2445 ORCHID HOUSE DESIGN & INTERIORS ............091 159 9673 Samui Aerial Mapping.....................................090 158 3501 SAMUI GRAPEVINE..............................................080 620 9964 SIL ARCHITECTS..................................................083 690 9700 THAI REVIVAL DESIGN.........................................089 612 0684 WEB MARKETING AND RESERVATIONS............089 866 4515

PHOTOGRAPHER ANNE SOPHIE SAMUIPICS..................................080 102 9791 CHRONOS DYNAMICS.........................................081 894 4513 CLAUDIO / FANTASYATWORK.COM ...................087 270 4972 cut productions.............................................080 102 9791 HELICAM AERIAL PHOTOGRAPHY.....................089 874 7464 ORIENTAL LIVING...................................................077 247 675 Professional Photographer ...................099 307 1740 Samui Aerial Mapping.....................................090 158 3501 SKY PIXELS...........................................................080 102 9791

ENGINEERING SERVICES EASTERN TECHNICAL ENGINEERING

077 295 316

HOME SERVICES ADEPT ASIA...........................................................081 978 3712 AUTOMATIC GATE................................................081 892 1066

BY Home Renovation.......................................086 950 2291 CERIS LAFARGE ROOFING...................................02 586 5600 ECO PEST CONTROL...........................................085 791 2496 EUROPEAN RAIN GUTTERING..............................077 423 073 FAR THAWEE PORN............................................077 245 570-1 INFINITY HOME MANAGEMENT............................077 426 608 NITE STONE............................................................077 247 769

SECURITY SYSTEMS

ODOR CLEAN........................................................087 976 9589

B-SMART SYSTEMS...............................................077 248 362 CREATIVE SYSTEM PROJECTS ........................ 080 698 6811

ONE STOP SOLUTIONS.......................................081 893 4935

AUDIO VISUAL INTERIOR DESIGN AV INSTALLATION SYSTEM.................................089 971 5775 AVIVA........................................................................02 685 3676 CREATIVE SYSTEM PROJECTS ........................ 080 698 6811

SAMUI squeaky clean windows..................087 013 7650 SEARA SPORTS......................................................076 355 040 SUNFLEX ASIA........................................................077 414 412 Termite Tech..................................................... 095 428 1121 THE STONE DOCTOR..........................................087 282 4930 The Clean Team................................................064 415 9439

FINANCE SERVICE

OTHER

GFS AUSTRALASIA...............................................085 795 9393

BANGKOK AIRWAYS ...........................................077 422 512-9

MBK GUARANTEE................................................081 278 5382

BLUECHIP INFORMATION TECHNOLOGY..........089 651 0020 FIREWORKS SAMUI.............................................087 263 4371

INSURANCE SERVICES CT TRADING INSURANCE.....................................038 420 618 ENSURE ASIA..........................................................077 417 015

PROJECT MANAGEMENT ADEPT ASIA...........................................................081 978 3712 DMA........................................................................085 790 1520 RS BUILT ..............................................................086 271 0156 SAMUI ARCHITECT.............................................. 085 782 1852 SIL ARCHITECTS..................................................083 690 9700 STERLING CONSTRUCTION THAILAND.............085 233 9630 Nature Architects.........................................063 592 8956

KLIK ASIA...............................................................089 866 4515 SAMUI RESCUE..............................077 421 444/087 263 4371 TESCO LOTUS........................................................077 245 400 TS-TEAK.................................................................081893 4935

LEISURE SAMUI 100 DEGREES EAST DIVE CENTER.....................077 245 396 BLOOD DONORS KOH SAMUI....... .......blooddonorskohsamui.com castaway guesthouse.................................. 081 968 5811 celes beachfront resort............................077 900 999 CHANTARA JUNK BOAT.......................................087 064 3126 Escape break......................................................077 458 100 health republic.................................................077 458 200 Kupu kupu Phangan..........................................077 377 384

CONSTRUCTION SERVICES Nature Architects.........................................063 592 8956 ADEPT ASIA...........................................................081 978 3712 BLUE BUILDING...................................................... 077 430 411 EXIM STUDIO..........................................................02 934 7921 KOH SAMUI CONSTRUCTION.............................089 510 2040 Luxury VILLAS & HOMES....................................077 430 326 PALM CONSTRUCTION..........................................077 961 991 P&W CONSTRUCTION MANAGEMENT.................077 238 182 RS BUILT ..............................................................086 271 0156 SEA B.C...................................................................077 960 584 STERLING CONSTRUCTION THAILAND ............085 233 9630 TROPICAL BUILDERS.............................................077 602 262

MAINTENANCE SERVICE ADEPT ASIA...........................................................081 978 3712 MANAGING SAMUI..................................................077 430 010 SQUEAKY CLEAN WINDOWS..............................087 013 7650 The Clean Team................................................064 415 9439

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INTERNATIONAL SCHOOL OF SAMUI...................077 484 548 MAGNOLIA SPA.......................................................077 601 133 Merchant Gourmet Samui’s Premier Food Service......061 919 1717

MINI GOLF CHOENG MON...................................081 787 9148 MOBY DICK IRISH BAR........................................081 892 1990 OCEAN 11 BEACH FRONT RESTAURANT............077 245 134 OCEANS ELITE CHARTERS...................................077 427 244 Panviman Resort Koh Phangan...................077 445 101 Prego Restaurant...........................................077 300 317 RAJDHEVEE CLINIC...............................................077 430 702 Stack Burger ...................................................077 915 222 THAILAND LEARNING CENTRE ..........................086 625 2546 TROPICAL MURPHYS.............................................077 413 614 WECI & COMPUTER INSTITUTE............................077 233 101 ZAZEN BOUTIQUE RESORT & SPA.......................077 430 345

www.ts-teak.com

LUXURY PRIVATE POOL & SEA VIEW VILLAS Located on the tropical hillside boasting sweeping views of the sea, DUNE Hills is located on optimal real estate in a highly desirable district of Koh Samui.

Comprising of 35 private pool villas, the project features premium amenities and modern conveniences that nurture a lifestyle of exquisite living.

Both tucked away, yet in close proximity to the Fisherman’s Village and the Big Buddha Temple, DUNE Hills is strategically placed to offer buyers residences of high commercial value.

LAST FEW UNITS AVAILABLE Ever since its launch, the project of DUNE Hills has been in high demand and is at present, almost entirely sold out.

Notable for its exclusive features, the villas have been purchased by elite investors and holiday homeowners from across the globe, now leaving a limited number of units available for swift buyers.

As this is a fleeting opportunity, we suggest you don’t wait in securing yourself a unit!

EXCLUSIVE FEATURES

• 35 Private Pool Villas • Sensational Sea Views • 1-5 Bedroom Layouts • First-class Gymnasium • All-inclusive Clubhouse • Fully Furnished residences • 24-Hour Concierge & Security Services

CONTACT US

+66 92 979 20 99 dune@kasa-development.com www.kasa-development.com

FINAL OFFER AS THE PROJECT IS ALMOST SOLD OUT

AWARD-WINNING AND LEADING LUXURY DEVELOPER would like to offer investors the very last opportunity of receiving,

2% DISCOUNT on the total price of a DUNE Hills’ villa.

Redeem this Special Discount by providing this ***PROMOTIONAL CODE***

DUNE2 upon contacting our Dedicated Sales Consultant at: +66 92 979 20 99

ABOUT THE DEVELOPER An Award-Winning Developer, KASA Development is well recognised for its spectacular residences in prime locations across Koh Samui.

With extensive local connections and property investment expertise, the company is fully-equipped to offer foreign investors efficient solutions for property ownership in Thailand.

Having developed eight impeccable projects - KASA has repeatedly succeeded in providing investors with immense investment success and gratification

Experts on Koh Samui IVL Property deals with high quality villas on the island of Koh Samui. Our team of local and international professionals have deep understanding of the property market, the best of from your holiday and your investment.

development - sales - rentals - concierge - management IVL Property is committed to smart and environmentally friendly natural beauty of Koh Samui.

ivlproperty.com

+66 (0) 77 417 113 anytime +66 (0) 83 107 9684

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