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h2{font-size:clamp(30px,4.4vw,48px);color:var(--on-deep);margin-inline:auto;max-width:18ch}.fcgp .final p{color:var(--on-deep-2);max-width:52ch;margin:18px auto 0}.fcgp .final .cta{justify-content:center}.fcgp .foot{background:var(--deep-2);color:var(--on-deep-2);font-size:12.5px}.fcgp .foot .w{padding-block:26px 34px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}@media (max-width:900px){.fcgp .hero .w{grid-template-columns:1fr;gap:34px;padding-block:52px 44px}.fcgp .photo{aspect-ratio:16/10}.fcgp .nums .w{grid-template-columns:1fr 1fr}.fcgp .num{border-bottom:1px solid var(--line)}.fcgp .num:nth-child(2){border-right:0}.fcgp .cards,.fcgp .cases{grid-template-columns:1fr}.fcgp .calcgrid{grid-template-columns:1fr}.fcgp .cin{border-right:0;border-bottom:1px solid var(--line)}.fcgp .pain{grid-template-columns:1fr;gap:8px}.fcgp .pain .i{display:none}.fcgp .nogrid,.fcgp .team{grid-template-columns:1fr}.fcgp section.band{padding-block:52px}}.fcgp .soc{margin-top:28px;display:flex;flex-wrap:wrap;gap:10px}.fcgp .soc a{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-2);text-decoration:none;border:1px solid var(--line);padding:10px 16px;transition:border-color .2s,color .2s}.fcgp .soc a:hover{color:var(--ink);border-color:var(--ink-3)}</style><style>/*sub-hero-fix*/.fcgp .hero .w{grid-template-columns:1fr}.fcgp .hero h1{font-size:clamp(30px,3.6vw,46px);max-width:20ch}.fcgp .hero .sub{max-width:58ch}</style><header class="site-h"><div class="w"><div class="brand">Fortunova<small>Capital Group</small></div><div class="nav"><a href="/en">Home</a><a href="/en/rent">Rent</a><a href="/en/resale">Resale</a><a href="#calc">Calculator</a><a href="#faq">FAQ</a><a href="#about">Contact</a><span class="lang"><a href="/">RU</a> / <b>EN</b></span></div></div></header><div class="hero"><div class="w"><div><div class="eyebrow">Investment · Phuket, Thailand</div><h1>Phuket property investment: the right product first, the right unit second</h1><p class="sub">Four different investment products carry four different yields, horizons and risks. We decide which one is yours before we look at a single unit.</p><div class="cta"><a class="btn btn-p" href="#rec3999035703" >Request a shortlist with numbers</a><a class="btn btn-s" href="#calc">Model a unit yourself</a></div><div class="microcta">The developer pays my commission. The shortlist and the modelling cost you nothing.</div></div></div></div><section class="band"><div class="w"><div class="band-t"><h2>The four products you are actually choosing between</h2><p>These are not four versions of the same thing. They are four strategies, and they suit different people.</p></div><div class="pains"><div class="pain"><div class="i">01</div><div class="q">Off-plan at launch</div><div class="a">The lowest entry price in the project, paid through the developer instalment plan. The return here is appreciation by handover, not rent. Two to three years with no income in between. It suits someone who does not need to touch the money until completion.</div></div><div class="pain"><div class="i">02</div><div class="q">Completed unit in a rental programme</div><div class="a">Already built, already managed, income from the first month. You pay a higher entry price and you miss the construction appreciation. It suits someone who wants cash flow rather than capital growth.</div></div><div class="pain"><div class="i">03</div><div class="q">Resale at a discount</div><div class="a">An owner needs out, and the unit trades below market. The return is built into the purchase price. These do not wait: good resale units appear and close within days, so you have to be ready before one shows up.</div></div><div class="pain"><div class="i">04</div><div class="q">Villa</div><div class="a">A different ticket and a different legal structure: the building is owned, the land is leased. Running costs are nothing like a condo, so the yield maths changes completely. I do not recommend the Thai company structure to anyone.</div></div></div></div></section><section class="band nolist"><div class="w narrow"><div class="band-t"><h2>What comes off before I quote you a number</h2><p>The gap between the brochure yield and your yield is six lines. Every one of them is in my model.</p></div><div class="cases"><div class="case"><h3>Rental income tax</h3><p>Charged on income, not on profit. Brochures usually leave it out.</p></div><div class="case"><h3>Management company fee</h3><p>Taken from every booking. Terms differ noticeably between operators, and they need reading before you sign.</p></div><div class="case"><h3>Real occupancy</h3><p>Not the figure in the presentation. The figure this particular area actually sees in low season.</p></div><div class="case"><h3>Building charges</h3><p>CAM fee and sinking fund, billed per square metre whether the unit is rented or empty.</p></div><div class="case"><h3>Furniture and wear</h3><p>A rented unit wears out. Furniture and appliances need replacing every few years, and that is part of the cost of ownership.</p></div><div class="case"><h3>Platform commissions</h3><p>If you self-manage, booking platforms take their cut, and your own time becomes a cost too.</p></div></div></div></section><section class="band"><div class="w"><div class="band-t"><h2>How the selection works</h2><p>Five steps from the first message to the keys. None of them starts with showing you units.</p></div><div class="pains"><div class="pain"><div class="i">01</div><div class="q">We define the task</div><div class="a">Budget, horizon, cash flow versus growth, whether you will use the property yourself, whether you need a visa. The answers decide the product, not the building.</div></div><div class="pain"><div class="i">02</div><div class="q">A shortlist with numbers</div><div class="a">Three to five units, each with a net yield model and an honest list of drawbacks. If nothing in your budget fits your goal, you hear that in the first conversation.</div></div><div class="pain"><div class="i">03</div><div class="q">Checks before any money moves</div><div class="a">The developer and their completed projects, the foreign quota status, the land, the permits, the rental programme terms. In writing, before the deposit.</div></div><div class="pain"><div class="i">04</div><div class="q">Reservation and contract</div><div class="a">A Thai lawyer handles the deal and reads the Thai-language contract itself, not a marketing summary of it. Transfers and the instalment schedule are agreed in advance.</div></div><div class="pain"><div class="i">05</div><div class="q">Handover and launch</div><div class="a">Snagging inspection, furnishing, listing for rent. After that the asset works and I stay reachable.</div></div></div></div></section><section class="band" id="calc" style="background:var(--surface-2)"><div class="w"><div class="band-t"><h2>What you actually keep</h2><p>Change any field and watch what happens to the brochure number.</p></div><div class="calcwrap"><div class="calcgrid"><div class="cin"><div class="lab">Property inputs</div><div class="f"><label for="p-price">Price, THB</label><input id="p-price" type="number" value="6000000" step="100000" min="0"></div><div class="f"><label for="p-area">Area, sqm</label><input id="p-area" type="number" value="35" step="1" min="1"></div><div class="f"><label for="p-night">Nightly rate, THB</label><input id="p-night" type="number" value="3000" step="100" min="0"></div><div class="f"><label for="p-occ">Annual occupancy, %</label><input id="p-occ" type="number" value="65" step="1" min="0" max="100"></div><div class="f"><label for="p-mgmt">Management share, %</label><input id="p-mgmt" type="number" value="25" step="1" min="0" max="60"></div><div class="f"><label for="p-tax">Tax on rental income, %</label><input id="p-tax" type="number" value="15" step="1" min="0" max="40"></div><div class="f"><label for="p-cam">Common fee, THB per sqm per month</label><input id="p-cam" type="number" value="60" step="5" min="0"></div><div class="f"><label for="p-fix">Upkeep and furniture, % of price per year</label><input id="p-fix" type="number" value="1" step="0.5" min="0" max="10"></div></div><div class="cout"><div class="lab">The working</div><div class="orow"><span>Gross income per year</span><b id="p-gross">—</b></div><div class="orow"><span>Management company</span><b id="p-omgmt">—</b></div><div class="orow"><span>Tax on rental income</span><b id="p-otax">—</b></div><div class="orow"><span>Building common fees</span><b id="p-ocam">—</b></div><div class="orow"><span>Upkeep, furniture, wear</span><b id="p-ofix">—</b></div><div class="orow"><span>Left to you per year</span><b id="p-net">—</b></div><div class="vs"><div class="b g"><div class="k">Promised</div><div class="n" id="p-gy">—</div><div class="d">gross yield</div></div><div class="b n2"><div class="k">Actual</div><div class="n" id="p-ny">—</div><div class="d">net yield</div></div><div class="b"><div class="k">Payback</div><div class="n" id="p-pb">—</div><div class="d">years on rent alone</div></div></div></div></div></div></div></section><section class="band" id="faq" style="padding-top:0"><div class="w narrow"><div class="band-t"><h2>What investors ask before they commit</h2></div><div class="faq"><details open><summary>What is a realistic entry budget?</summary><div class="ans">A workable entry starts at roughly 4.5 million baht. Below that I do not see units that rent well and resell well later. As a guide: a studio of about 36 square metres from 150,000 dollars, a one-bedroom of about 54 square metres from 180,000, a two-bedroom of about 90 square metres from 250,000. Villas start at roughly 400,000 to 550,000 dollars.</div></details><details><summary>What yield is realistic in Phuket?</summary><div class="ans">Typically 5 to 8 per cent net, depending on the unit, the area and the management terms. Anything above ten per cent that you are shown is almost always calculated before tax, before the management fee and at an occupancy rate that does not hold year round. I quote the number after deductions and show you the model.</div></details><details><summary>Can I pay in instalments?</summary><div class="ans">On off-plan projects yes, and it is the main route. The usual structure is around thirty per cent down and equal payments every six months over roughly two years, interest free. Some developers run seasonal terms such as fifty-fifty. The actual schedule is always read in the contract, not in the brochure.</div></details><details><summary>Can a foreigner get a mortgage in Thailand?</summary><div class="ans">Thai banks very rarely lend to foreigners and it is not something to plan around. The working instrument is the developer interest-free instalment plan, which makes the completion date as important to you as the price.</div></details><details><summary>What do your services cost?</summary><div class="ans">Nothing to the buyer. The developer pays my commission and it barely differs between projects. That is exactly why I can talk you out of a unit: it does not change what I earn.</div></details><details><summary>Condominium or villa?</summary><div class="ans">A condominium unit can be held by a foreigner in full ownership and inherited, as long as the building still has foreign quota available. A villa works differently: the building is owned, the land is leased for thirty years with a renewal that is a contractual obligation rather than an automatic right. I do not recommend holding land through a Thai company.</div></details><details><summary>Why Phuket rather than Dubai?</summary><div class="ans">The yields are comparable, but the entry ticket in Dubai is significantly higher for the same yield. In Phuket the same money works at a lower ticket, with construction-stage appreciation on top of rental income. If it turns out Dubai genuinely fits you better, I have a verified partner there and I will say so.</div></details></div></div></section><section class="band" id="about"><div class="w"><div class="band-t"><h2>Lyubov Fortunova, founder of Fortunova Capital Group</h2><p>Investment strategist. More than five years on Phuket: I built a retail business here before real estate, so I know the island beyond the brochures.</p></div><div class="team"><div>Net yield, not dreams: returns after tax, management fees and vacancy.</div><div>We work across the whole island market and are not tied to any one developer.</div><div>Investors from India, Pakistan and Europe. Phuket I handle personally.</div><div>The agency operates under the brand Fortunova Capital Group. Thai legal entity: Eclectic Trend Co., Ltd., Tax ID 0835567033471.</div></div><div class="nap"><div><b>Office</b>7/4 Moo 1, Chalong, Mueang Phuket, Phuket 83130, Thailand</div><div><b>WhatsApp and phone</b>+66 82 981 9522</div><div><b>Email</b>Liubovfortunova@gmail.com</div><div><b>Response</b>Within one business day, in any time zone</div></div><div class="soc"><a href="https://t.me/invest_in_phuket" target="_blank" rel="noopener">Telegram channel</a><a href="https://www.instagram.com/invest_in_phuket/" target="_blank" rel="noopener">Instagram — agency</a><a href="https://www.instagram.com/love_fortunova/" target="_blank" rel="noopener">Instagram — Lyubov</a><a href="https://www.youtube.com/@InvestinPhuket" target="_blank" rel="noopener">YouTube</a></div></div></section><section class="final" id="cta"><div class="w"><h2>A shortlist built around your actual task</h2><p>Three to five properties with the full calculation, not a list of thirty links. Five short questions, and the budget one comes fourth.</p><div class="cta"><a class="btn btn-p" href="#rec3999035703" >Start the shortlist</a><a class="btn btn-s" href="https://wa.me/66829819522?text=Hello!%20I%20am%20writing%20from%20fortunovacapital.com%2C%20the%20Investment%20page.%20I%20have%20a%20question." target="_blank" rel="noopener">Message on WhatsApp</a></div><div class="microcta">A personal reply. No calls unless you ask.</div></div></section><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","inLanguage":"en","mainEntity":[{"@type":"Question","name":"What is a realistic entry budget?","acceptedAnswer":{"@type":"Answer","text":"A workable entry starts at roughly 4.5 million baht. Below that I do not see units that rent well and resell well later. As a guide: a studio of about 36 square metres from 150,000 dollars, a one-bedroom of about 54 square metres from 180,000, a two-bedroom of about 90 square metres from 250,000. Villas start at roughly 400,000 to 550,000 dollars."}},{"@type":"Question","name":"What yield is realistic in Phuket?","acceptedAnswer":{"@type":"Answer","text":"Typically 5 to 8 per cent net, depending on the unit, the area and the management terms. Anything above ten per cent that you are shown is almost always calculated before tax, before the management fee and at an occupancy rate that does not hold year round. I quote the number after deductions and show you the model."}},{"@type":"Question","name":"Can I pay in instalments?","acceptedAnswer":{"@type":"Answer","text":"On off-plan projects yes, and it is the main route. The usual structure is around thirty per cent down and equal payments every six months over roughly two years, interest free. Some developers run seasonal terms such as fifty-fifty. The actual schedule is always read in the contract, not in the brochure."}},{"@type":"Question","name":"Can a foreigner get a mortgage in Thailand?","acceptedAnswer":{"@type":"Answer","text":"Thai banks very rarely lend to foreigners and it is not something to plan around. The working instrument is the developer interest-free instalment plan, which makes the completion date as important to you as the price."}},{"@type":"Question","name":"What do your services cost?","acceptedAnswer":{"@type":"Answer","text":"Nothing to the buyer. The developer pays my commission and it barely differs between projects. That is exactly why I can talk you out of a unit: it does not change what I earn."}},{"@type":"Question","name":"Condominium or villa?","acceptedAnswer":{"@type":"Answer","text":"A condominium unit can be held by a foreigner in full ownership and inherited, as long as the building still has foreign quota available. A villa works differently: the building is owned, the land is leased for thirty years with a renewal that is a contractual obligation rather than an automatic right. I do not recommend holding land through a Thai company."}},{"@type":"Question","name":"Why Phuket rather than Dubai?","acceptedAnswer":{"@type":"Answer","text":"The yields are comparable, but the entry ticket in Dubai is significantly higher for the same yield. In Phuket the same money works at a lower ticket, with construction-stage appreciation on top of rental income. If it turns out Dubai genuinely fits you better, I have a verified partner there and I will say so."}}]}</script>
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