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  1. My girlfriend and I are looking for a bank or financial institution to loan 1.5 million after we put 2 million down for a pristine, beautifully landscaped house with almost 1/2 rai of land in Chiang Mai. It's obvious to me or almost anyone that the bank would not only "not lose money", they would make a good profit if the person getting the loan could not make the payment. And yet they still insist on asking about income and this and that. My girl makes good money (21,400/mo), but has no wage slip to show because it's under the table, but she can show regular deposits over 3 years. She has a car in both our names, but I don't see what that has to do with anything, yet it was asked about. She has a fully owned motorcycle in her name and land in her name alone and land in both her and her fathers name. Again, I don't know what any of that has to do with anything, since the house is far more than enough collateral for the 1.5m we are asking for. It seems to me you must work for the government in this country and then loans are virtually thrown at you. I have the full 3.5m, but it would lower my liquid assets to an unexceptionable low level, in case of emergencies. I assume banks would ignore any income I have because I'm not her husband and naturally the house needs to be bought in her name. Anyone know any banks that can recognize a good deal when they see one or has a manager with half a brain? Or any other suggestions.
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