Rent-to-Own and Direct Installments: Protecting Both Sides

There are many cases that people ask about rent-to-own/direct installment arrangements,
whether they are owners who want to offer a property or customers who want to pay the owner in installments.
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There are already companies that handle rent-to-own/direct installment transactions.
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But based on feedback from rent-to-own buyers, most still feel that the model does not meet their needs because they must pay a processing fee of 6–20% of the house price.
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This amount is not deducted from the house price, so prospective rent-to-own buyers see it as a high non-refundable fee. How can we find a solution for this model?
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One possible approach is for the reservation fee or initial processing fee to be around 10–15% and for it to be deducted from the house price.
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The agreement must protect the interests of both sides.
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Risk prevention
#ในฝั่งของเจ้าของบ้าน
A rent-to-own buyer may stop paying installments halfway through, creating risks of damage to the house and leaving problems behind.
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Risk prevention
#ในฝั่งของผู้เช่าซื้อ
There are many cases where the buyer has never missed an installment and is paying normally, but the homeowner uses the property as collateral through a mortgage or sale with the right of redemption, or the owner becomes insolvent and creditors seize the property.
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The rent-to-own buyer then becomes another injured party and must sue the homeowner to recover the installment payments.
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I have dealt with these cases to some extent and have seen many situations, so I developed a model to solve this problem.
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It involves preparing cross-linked contract documents to protect the rights and interests of both sides when either party breaches the agreement.
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Most importantly, there must be an intermediary to hold the documents; neither party should keep them alone.
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Finally
#ขายของหน่อย
Homeowners who are open to selling their house through a direct-installment model,
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or buyers who have a good income but do not qualify for a loan and want a home of their own,
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can consult us. We handle these cases (for a fee).

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