Buying from a developer is a different deal
Buying a house in a housing estate means buying a finished product — plot, house and shared facilities — from a developer, on the developer's contract. It is a different transaction from buying land and hiring a builder, and the risks sit in different places.
For the checks that apply to any house or land purchase, see what to check before you buy a house or land. This guide covers what is specific to buying from a developer.
1. The contract
A developer contract should state clearly:
- Plot — title deed number, area, location in the estate
- House — model, floor area, specification list attached
- Price and payment schedule, including the booking and down payment
- Completion and transfer dates, and what happens if either side is late
- Defects — inspection before transfer and the repair process afterwards
- Transfer costs — who pays which fees and taxes at the land office
- Common fees — the amount, when they start, and what they cover
Read the reservation form too. It is often signed at a sales event before anyone reads the contract.
2. The brochure and the model house
What the developer promised in sales material — the clubhouse, the pool, security, landscaping, the specification of the model house — should be traceable in the contract or its annexes. Keep:
- The brochure and estate plan
- Photos of the model house
- The online listing and sales messages
When the delivered house or the common facilities fall short, these are the evidence.
3. Inspection before transfer
Transfer is the point of greatest leverage. Before it:
- Inspect the house against the specification — structure, roof, drainage, electrics, plumbing, finishes
- Consider an independent inspector for what a walk-through cannot see
- List defects in writing and agree how and when they will be fixed
- Do not let a transfer date pressure you into accepting an unfinished house without a written repair commitment
4. Defects after transfer
- A claim against the seller for defects must be brought within one year of discovering the defect
- Developers often give their own warranty periods for structure and fittings — check them
- Report in writing, with photos and dates
- Do not let the time run while negotiating informally
For houses built under your own construction contract rather than bought from a developer, the rules differ. See contractor disputes over unfinished or defective work.
5. Roads, common areas and the village juristic person
In a licensed housing estate, the developer must maintain the common facilities — roads, drainage, lighting, parks — until they are handed over, usually to a juristic person formed by the residents.
Before buying, check:
- That the estate is licensed as a housing estate
- What facilities were promised and whether they exist
- The handover plan and the condition of common areas
- The common fee level and what it will fund
After handover, the cost of fixing what the developer left becomes the residents' problem.
6. Financing
Most buyers use a bank loan. The loan approval, valuation and the transfer date need to line up. If the loan is refused, check what the contract says about the deposit and down payment — some contracts address this, many do not.
7. A Thai spouse and a foreign spouse
A foreigner cannot own land. When a Thai–foreign couple buys, the house and land are usually registered to the Thai spouse, and the land office commonly requires the foreign spouse to declare that the purchase money is the Thai spouse's own funds rather than joint marital property.
That declaration has consequences for divorce and inheritance. Understand it before signing, and consider protecting the foreign spouse's position. See buying a house or land in your partner's or child's name and protecting your home with a usufruct and a will.
Checklist
- Estate licence and plot title checked
- Contract compared with brochure and model house
- Specification list attached to the contract
- Dates, delay remedies and deposit terms clear
- Pre-transfer inspection done and defects listed in writing
- Common facilities and handover plan checked
- Loan timeline aligned with transfer
- For mixed-nationality couples, the declaration and protective steps understood
Read next
- What to check before you buy a house or land
- Buying a house or land in your partner's or child's name
- Land disputes and title deeds
- To have a developer contract reviewed before signing, talk to our team