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Investment · 9 min read

Why “guaranteed 8%” is a red flag: calculating the real net yield

Half of Phuket's agencies promise returns that do not exist. We show the full math on the example of an $860,000 villa.

Why “guaranteed 8%” is a red flag: calculating the real net yield
Take a real example from our collection: an $860,000 villa in Bang Tao.

Take a real example from our collection: an $860,000 villa in Bang Tao. Gross income at 68% occupancy is $73,100 a year. Sounds like 8.5% per annum? That is exactly the figure the advertising will show you.

Now subtract what the advertising stays silent about: rental management at 25% ($18,275), utilities and pool maintenance ($9,400), furniture depreciation and a repair reserve ($5,900). That leaves $39,525 — a net 4.6%.

A net 4.6% is a good, honest yield for a villa in Phuket. The problem is not the number — it is that the market has trained buyers to expect twice as much, and keeps selling them that expectation.

Check our math — we insist on it.

The “guaranteed 7–10% return” in developer offers is not a yield but a hidden discount: you pay an inflated price, out of which your own “guarantee” is paid back to you for the first 2–3 years. Once the programme ends, the property settles at the market's 4–5% — but without that discount at resale.

That is why every Phuket Prestige listing carries a full published calculation: gross income, all expenses and net yield under three occupancy scenarios. Check our math — we insist on it.

Anton Kozlov
Anton Kozlov
Co-founder, Phuket Prestige
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