THEVA FINANCIA
Your villa, financed. Without a bank.
The first secured developer financing for luxury villas in Thailand.
All nationalities · No age limit · Thailand Privilege visa included · Answer within 10 to 15 days
For decades, only one thing was missing from the Thai dream: credit.
Thai banks almost never finance foreign buyers: no local income, no loan. And your bank back home will not finance a villa in Thailand. The result: luxury real estate in Thailand has remained a 100% cash market, reserved for those able to immobilise the full price on the day of purchase. The product existed. The buyers existed. The bridge did not.
We did not bypass the bank. We replaced it with something better.
30%
The down payment, at signing, into a bank escrow account
1%
Of the villa price, per month
9 years
At a fixed rate, all inclusive
THEVA Financia is direct developer financing, backed by a financial partner bound in exclusivity to the model, structured through real rights registered at the land registry and an escrow account held at a licensed bank. No broker. No bank file. No mortgage on your assets in your home country.
Six steps. Zero banks.
You choose your villa. The price is fixed in your contract, definitively.
You send a simple file: passport, declaration of source of funds. Reasoned answer within 10 to 15 days, free of charge.
You sign the tripartite agreement (you, THEVA, the financial partner) and wire your 30% down payment: directly to the bank, into the project escrow account.
Your 1% monthly instalments begin and accumulate at the bank: interest-free, as advances on the price.
Construction launches: the escrow releases and your financing begins. The build progresses milestone by milestone, under independent certification.
Delivery: your rights are registered at the Land Office, in your name. You move in. You continue at 1% per month.
Before the first shovel hits the ground, not one baht passes through the developer.
Every payment made before construction (your 30% down payment and your first monthly instalments) is wired directly into a dedicated project escrow account held by Bangkok Bank, a licensed escrow agent under the Escrow Act B.E. 2551 (2008). Neither THEVA nor the financial partner can draw from it. The account has only exits written in advance, executed by the bank itself:
The escrow release conditions are annexed word for word to your sale contract: they are directly enforceable by you.
A bank certificate confirms the existence of the account and the custody of your payments.
A copy of the escrow agreement is provided to you on simple request.
You never pay interest on a promise. Only on what is real.
Every sum paid before the launch of construction is an advance on the price, credited 100% against the principal. No interest and no fee accrues before the effective launch of construction. Every instalment paid during this phase reduces your financing accordingly: the interest clock only starts the day the machines start.
You know the total cost before you sign. To the baht.
Fixed rate of 10% per year, interest and service fees included, for the entire term. The plan is radically simple: 30% at signing, then 108 monthly instalments of 1% of the price. No variable rate, no hidden fees, no bad surprise in year 4: the number you read at signing is the number you will live with for 9 years.
Free early repayment
Early repayment is free, at any time, with no penalty whatsoever. Interest is recalculated on the time actually elapsed: you only pay for what you have actually used.
Indicative example
Villa at 13.9M THB. Down payment: 4,170,000 THB (around 110,000 EUR). Monthly instalment: 139,000 THB, i.e. 1% of the price, fixed for 9 years (around 3,600 EUR). Indicative exchange rate; the contract is denominated in THB.
You sign the financing. The villa repays it.
Do the math. Your instalments represent 12% of the price per year. THEVA villas in Koh Samui target rental yields of 10 to 15% per year, on an island where demand for premium villas structurally exceeds supply. Rented out during your absences, your villa can cover part of your instalments, all of them, and in the best configurations generate more than the financing itself.
And you have nothing to manage. THEVA SuperHost, our five-star rental management, takes care of everything: marketing, dynamic pricing, guest welcome, housekeeping, maintenance, reporting in your THEVA App. You keep control of the calendar: the villa is yours first, and it works when you decide.
A classic loan costs you money every month. This one comes with an asset that produces every week it is rented. That is the entire difference between buying a villa and buying a villa that pays for itself.
Target yields, not guaranteed. Full methodology and data: Yield-Data Report Koh Samui 2026. View report
Your protection is not a paragraph in a brochure. It is an entry in the registry.
At delivery, your real rights are registered in your name at the Land Office, on the land title itself:
The structure complies with Supreme Court ruling 4655/2566. It sits within the complete THEVA Secure Ownership framework: your protections before, during and after, including the Buy Back at official cadastral value.
Your financing also opens the doors of the country.
During the launch phase of THEVA Financia, every eligible buyer receives a Thailand Privilege membership, financed by the program, with zero impact on your instalments or on the financed amount: 5 years for a villa under 20M THB, 10 years from 20M THB. The application is filed within two months of your signature. Long-term multi-entry visa, airport services: Thailand as a privileged resident.
This offer is tied to the launch of the program. It is limited in time.
Membership subject to the conditions of the official issuer, Thailand Privilege Card Co., Ltd.
In a 100% cash market, the hard part is not buying. It is reselling. We solved both.
The day you decide to sell, your villa will not be limited to cash buyers. Subject to application review, your purchaser can in turn be financed by THEVA Financia: 30% down, 1% per month. Your resale market instantly widens to everyone who dreams of Samui without immobilising the full price: exactly what allowed you to buy. And this is where the capital gain is made. On an island where premium villas target appreciation of 5 to 12% per year, a property accessible to ten times more buyers sells faster and negotiates better: the financing turns your paper gain into a realised gain, more easily and more quickly. Your outstanding financing is settled on the day of the sale, with no penalty, interest calculated on actual time.
A real contract does not tell you the best-case scenario. It writes down all the others.
You change your mind before construction
The bank refunds you directly, less 5% of the price (marketing costs and immobilisation of the villa), within 120 days.
A temporary rough patch
3 months of written tolerance, with zero penalty, regularisation possible at any time.
A death during the financing
Your heirs choose: take over the financing on the same terms, settle and take the villa, or renounce.
You want to settle early
At any time, with no penalty, interest recalculated on actual time.
You want to resell
The financing is settled on the day of the sale, with no penalty; your buyer can in turn be financed by THEVA Financia.
This model cannot be copied. It takes years to build.
To offer THEVA Financia, five conditions must be met that almost no developer combines:
Being at once developer, builder and owner of the land: no intermediary to pay, no rights to negotiate.
A financial partner bound in mutual exclusivity to this model and to our projects.
A two-entity legal architecture: THEVA Terra holds the land of each project, THEVA Construction builds and sells the structure. Each village is secured independently.
A licensed bank escrow that puts client money out of everyone's reach, including ours, until construction launches.
A 100% direct sale, with no agents: the market's 5 to 10% commissions, we turned into financing conditions.
The barrier to entry is not marketing. It is structural.
150 questions. 150 answers. Zero grey areas.
We have answered in writing every question a buyer, a lawyer or a sceptic can ask about THEVA Financia. Yours are already in there.
Read the full FAQ