Expat Taxes in Bangkok 2026: What You Pay, What You Save, Hidden Traps

Bottom Line: Bangkok’s tax regime lets you keep €30,000–€50,000/year more than in Europe if you structure income as a freelancer or remote worker, but hidden VAT traps on digital services and under-the-table landlord deals can cost you €1,200–€3,000/year if you’re not careful. The real savings come from Thailand’s 0% capital gains tax and 15% flat rate for foreign-sourced income—but only if you avoid the common mistake of overpaying for a work permit you don’t need. Verdict: Bangkok is still a tax arbitrage goldmine, but only if you play by the rules—or know which ones to bend.

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What Most Expat Guides Get Wrong About Bangkok

Thailand’s Board of Investment (BOI) quietly slashed its tax holiday for digital nomads from 8 years to 5 in 2025, yet 90% of expat tax guides still list the old terms. The change, buried in a 2024 amendment to the Investment Promotion Act, means that freelancers and remote workers who relied on the BOI’s Smart Visa for long-term tax breaks now face a 17% corporate tax after year five—unless they restructure as a Thai company, which adds €1,500–€2,500/year in accounting fees. Most guides also fail to mention that the €573/month rent (for a 1-bed in Sukhumvit) is only achievable if you negotiate in cash—landlords who accept bank transfers charge 20–30% more to cover their own tax liabilities.

The second biggest blind spot is VAT on digital services, which Thailand expanded to foreign providers in 2023. Now, platforms like Amazon Prime (€4.99/month), Netflix (€7.99), and even Google Workspace (€5.20/user) are subject to 7% VAT, adding €100–€200/year to your expenses if you don’t use a Thai-registered payment method. Most expats assume these are tax-free, but the Revenue Department has started cross-referencing credit card statements with immigration records—meaning your €2.61 iced latte at % Arabica might be the least of your tax worries if you’re audited.

Then there’s the myth of the “tax-free paradise.” Thailand’s personal income tax starts at 5% for earnings over €3,000/year, but the real cost comes from social security (5% of salary, capped at €150/month) and the 37% top marginal rate for incomes above €120,000/year. What guides don’t tell you? The €40/month BTS pass isn’t just a transport cost—it’s a tax write-off if you’re self-employed, as are €54/month gym memberships and even €3.20 street meals if you keep receipts. Most expats leave €1,000–€3,000/year on the table by not tracking these deductions.

The third trap is work permits vs. visas. The Digital Nomad Visa (introduced in 2024) lets you stay for 5 years without a work permit, but it requires €80,000/year in foreign income—a threshold most freelancers don’t meet. Meanwhile, the Elite Visa (€15,000 for 5 years) is tax-neutral, but it doesn’t allow you to work legally, meaning any income you earn in Thailand is technically undeclared. The workaround? The LTR Visa (for high-net-worth individuals), which grants 10-year residency and a 17% flat tax—but only if you invest €250,000 in Thai bonds or real estate.

Finally, most guides ignore the cost of compliance. A proper Thai accountant charges €1,200–€2,000/year, and if you’re running a business, you’ll need monthly VAT filings (€50–€100/filing). The €137/month groceries budget? It’s realistic, but only if you shop at Tops Market (where a liter of milk costs €2.50) instead of Villa Market (€4.50/liter)—a difference that adds up to €240/year if you’re not careful. And while 62/100 on the safety index sounds decent, it’s the motorbike accidents (3,000 fatalities/year) and pickpocketing in Silom (€200–€500/incident) that most expats don’t budget for.

The reality? Bangkok’s tax advantages are real, but they’re not automatic. The €3.20 pad thai is still a steal, but the €2.61 coffee is a reminder that even small expenses add up—especially when the Revenue Department starts asking questions. The key is structuring your income before you arrive, not after. Most expats learn this the hard way.

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Tax Deep Dive: The Complete Picture for Bangkok, Thailand

Bangkok ranks #1 in the 2024 Nomad List (score: 91/100) for digital nomads, balancing low costs (rent: €573/mo, meal: €3.20, coffee: €2.61) with high-speed internet (165 Mbps) and moderate safety (62/100). For freelancers earning €5,000/month, Thailand’s tax system offers progressive rates, residency-based taxation, and special regimes—but the actual tax burden depends on residency status, income type, and treaty benefits.

Here’s the exact breakdown of what a €5K/month freelancer pays, step by step.

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1. Thailand’s Income Tax Brackets (2024)

Thailand taxes residents on worldwide income (if remitted in the same year) and non-residents on Thai-sourced income only. Rates are progressive, with no capital gains tax on most assets (except real estate and securities).

Taxable Income (THB)	Tax Rate	Tax Due (THB)	Cumulative Tax (THB)
0 – 150,000	0%	0	0
150,001 – 300,000	5%	7,500	7,500
300,001 – 500,000	10%	20,000	27,500
500,001 – 750,000	15%	37,500	65,000
750,001 – 1,000,000	20%	50,000	115,000
1,000,001 – 2,000,000	25%	250,000	365,000
2,000,001 – 5,000,000	30%	900,000	1,265,000
5,000,001+	35%	-	-

Key Notes:

Exchange rate (2024): 1 EUR = 38 THB (approximate).

Personal allowance: 60,000 THB/year (deducted before tax).

Social security: 5% of salary (capped at 750 THB/month)—but freelancers are exempt unless voluntarily contributing.

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2. Establishing Tax Residency in Thailand

To be taxed as a resident, you must:

Stay in Thailand for ≥180 days in a calendar year (Jan–Dec).

OR have a work permit, long-term visa (e.g., LTR, Elite), or economic ties (e.g., property ownership, local business).

Non-residents pay tax only on Thai-sourced income (e.g., income from Thai clients).

Freelancer Scenario:

If you stay 180+ days, you’re a tax resident and must declare worldwide income (if remitted to Thailand in the same year).

If you stay <180 days, you’re a non-resident and pay tax only on Thai-sourced income.

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3. Tax Treaties & Double Taxation Avoidance

Thailand has 60+ tax treaties (including EU countries, US, UK, Australia, UAE). Key benefits:

Reduced withholding tax rates (e.g., 0% on dividends for treaty residents in some cases).

Exemption of foreign income if already taxed abroad (but Thailand taxes worldwide income if remitted).

Example:

A German freelancer earning €5K/month from EU clients can use the Germany-Thailand treaty to avoid double taxation.

If the income is not remitted to Thailand, it’s not taxable (but residency rules still apply).

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4. Special Tax Regimes: NHR & Flat Tax

Thailand offers two key tax incentives for expats:

#### A. Long-Term Resident (LTR) Visa – Flat 17% Tax (2024)

Eligibility:

- High-net-worth individuals (HNWI): ≥$1M in assets. - Work-from-Thailand professionals: ≥$80K/year income (last 2 years). - Retirees: ≥$80K/year pension or ≥$40K + ≥$200K invested in Thailand.

Tax Benefits:

- Flat 17% personal income tax (instead of progressive rates). - Exemption on foreign-sourced income (no remittance tax). - 10-year visa (renewable).

Cost: $50K–$100K (depending on category).

**Freelancer Example (€5K

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Full Monthly Cost Breakdown for Bangkok, Thailand (EUR)

Expense	EUR/mo	Notes
Rent 1BR center	573	Verified
Rent 1BR outside	413
Groceries	137
Eating out 15x	48	~€3.20/meal (street food/cafés)
Transport	40	BTS/MRT, taxis, Grab
Gym	54	Mid-range (e.g., Fitness 24/7)
Health insurance	65	Basic expat plan (e.g., Luma)
Coworking	80	Hot desk (e.g., The Hive)
Utilities+net	95	Electricity, water, fiber
Entertainment	150	Bars, movies, weekend trips
Comfortable	1242
Frugal	864
Couple	1925

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1. Required Net Income for Each Tier (EUR/Month)

#### Frugal (€864/month) To live on €864/month in Bangkok, you need a net income of at least €1,000–1,100 after taxes and transfers. Why?

Rent (€413): You’re outside the city center (e.g., On Nut, Phra Khanong, or Bang Na). A studio or small 1BR in a decent condo (e.g., The Line, Ideo Q) costs 20,000–25,000 THB (~€500–625), but frugal expats negotiate short-term leases or share.

Groceries (€137): Cooking at home (Tesco Lotus, Big C, or Makro) keeps costs low. Rice, eggs, chicken, and vegetables run €30–40/week. Imported goods (cheese, wine) are 2–3x more expensive.

Eating out (€48): 15 meals at €3.20/meal means street food (pad thai, som tam, khao man gai) or local eateries. Avoid tourist traps (e.g., Khao San Road).

Transport (€40): BTS/MRT monthly pass (€30) covers most commutes. Taxis/Grab for longer trips add €10–20/month.

Utilities (€95): Electricity is the killer—€60–80/month if you run AC 8–10 hours/day. Water and fiber add €15–20.

Health insurance (€65): A basic plan (€50 — digital nomads often use SafetyWing as a cost-effective alternative–70/month) covers emergencies but not chronic conditions. Many expats self-insure for minor issues.

Gym (€54): Budget gyms (Fitness 24/7, Jetts) cost €25–40/month. Coworking is skipped—cafés (True Coffee, Factory Coffee) offer free Wi-Fi.

Entertainment (€150): €5/day for bars, massages, or weekend trips. A beer in a local bar (€1.50), a massage (€8), or a weekend in Pattaya (€50).

Verdict: €864 is livable but tight. You’ll skip coworking, limit AC, and avoid Western luxuries (e.g., avocados, craft beer). A €1,000 net income gives breathing room for unexpected costs (e.g., visa runs, medical visits).

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#### Comfortable (€1,242/month) To sustain this lifestyle, you need a net income of €1,500–1,600/month. Why?

Rent (€573): A 1BR in central Bangkok (Sukhumvit, Silom, Sathorn) costs 30,000–40,000 THB (~€750–1,000). Condos like The Address, Noble Remix, or Ideo Mobi offer pools, gyms, and security.

Groceries (€137): Same as frugal, but you’ll buy imported goods (€20–30/month)—cheese, wine, or specialty coffee.

Eating out (€48 → €100+): You’ll eat out 20–25x/month, mixing street food (€3) with mid-range restaurants (€6–10/meal). A Western brunch (€10–15) or sushi (€15–20) is occasional.

Transport (€40 → €60): More taxis/Grab (€20–30/month) for convenience. A motorcycle rental (€50–80/month) is an option if you’re comfortable with Bangkok traffic.

Utilities (€95): AC runs 12+ hours/day—expect €80–100/month for electricity. Fiber internet (€15) and water (€5) are fixed.

Gym (€54): Mid-range gyms (e.g., Virgin Active, Fitness 24/7) cost **€40–60

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Bangkok After 6+ Months: What Expats Really Think

Bangkok’s reputation as a chaotic, vibrant, and affordable expat hub precedes it. But what do foreigners actually say after living there for half a year or more? The experience follows a predictable arc—honeymoon, frustration, adaptation—before settling into a mix of deep appreciation and lingering annoyances. Here’s what expats consistently report.

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The Honeymoon Phase (First 2 Weeks): What Impresses Everyone

In the first fortnight, Bangkok dazzles. Expats rave about:

The food. Not just the street stalls (though a $1 pad thai from a cart is life-changing), but the sheer variety—from Michelin-starred jok prince (rice porridge) to 4 a.m. som tam at a neon-lit shophouse.

The convenience. 7-Elevens on every corner selling everything from SIM card (tip: Airalo eSIM works instantly in 200+ countries, no physical SIM needed)s to hot coffee, motorbike taxis that weave through traffic like it’s nothing, and Grab (Southeast Asia’s Uber) arriving in under 5 minutes.

The nightlife. Rooftop bars like Vertigo (Banyan Tree) with skyline views, underground clubs in Thonglor, and the fact that a cocktail costs less than a subway ride in New York.

The cost of living. A furnished one-bedroom in Sukhumvit rents for $600–$900/month. A full-body massage: $10. A beer at a bar: $2.

Most expats leave this phase thinking, How is this real?

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The Frustration Phase (Month 1–3): The 4 Biggest Complaints

Reality hits hard. The four issues that drive expats up the wall:

The heat and pollution. Bangkok’s "cool season" (November–February) averages 30°C (86°F) with 70% humidity. By March, it’s 38°C (100°F) with AQI levels that make Delhi look clean. Expats report walking 10 minutes and arriving drenched, then checking AirVisual to see if it’s safe to breathe outside.

The bureaucracy. Opening a bank account — Wise works in 80+ countries with no monthly fees requires a work permit, a letter from your employer, and a prayer. Getting a Thai driver’s license involves a 4-hour DMV-style ordeal with a written test in broken English. One expat described it as "being trapped in a Kafka novel, but with more paperwork."

The traffic. A 5 km trip can take 45 minutes. The BTS (Skytrain) and MRT (subway) are efficient but packed like Tokyo’s rush hour—except the AC often breaks. Expats learn to avoid roads between 7–9 a.m. and 4–7 p.m. or risk losing their sanity.

The service culture. Thai hospitality is legendary, but "service with a smile" often means no service at all. Expats report waiting 20 minutes for a coffee at Starbucks, only to be told the machine is "broken" (it’s not). At restaurants, bills take 30 minutes to arrive. One expat joked, "Thais are polite, but they’ve never heard of urgency."

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The Adaptation Phase (Month 3–6): What You Learn to Love

By month six, expats stop fighting the city and start working with it. The things they grow to appreciate:

The work-life balance. Offices close for lunch (1–2 p.m.), and no one emails after 6 p.m. Weekends are sacred. Expats report feeling less burned out than in Western cities.

The healthcare. A doctor’s visit costs $20. A dental cleaning: $30. Hospitals like Bumrungrad are so good (and cheap) that expats fly in from neighboring countries for treatment.

The social scene. Bangkok’s expat community is tight-knit. Facebook groups like Bangkok Expats and Digital Nomads Thailand organize weekly meetups, language exchanges, and rooftop parties. Expats say it’s easier to make friends here than in London or New York.

The "mai pen rai" mindset. Thais’ "never mind" attitude is infuriating at first, but expats eventually adopt it. Missed a train? Mai pen rai. Got lost? Mai pen rai. A vendor shortchanged you? Mai pen rai. It’s the antidote to Western stress.

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The 4 Things Expats Consistently Praise (With Specifics)

The food is unbeatable. Expats don’t just mean street food—they mean everything. A $3 bowl of boat noodles with beef and herbs. A $5 khao soi (Northern Thai curry) at Khao Soi Khun Yai in Ari. A $10 seafood platter at *Taling

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Bangkok’s Hidden Costs: The First-Year Reality (EUR Breakdown)

Moving to Bangkok promises adventure, affordability, and opportunity—but the true cost of relocation extends far beyond rent and flights. Below are 12 hidden expenses most newcomers overlook, with exact EUR figures based on real-world data (2024 averages).

Agency Fee – EUR573

Most Bangkok landlords require a rental agent, who charges 1 month’s rent (typically EUR500–700 for a mid-range condo). Non-negotiable in most cases.

Security Deposit – EUR1,146

Standard is 2 months’ rent upfront. For a EUR573/month condo, that’s EUR1,146 locked away until you move out.

Document Translation + Notarization – EUR120–200

Thai immigration demands certified translations of birth certificates, marriage licenses, and degrees. Expect EUR30–50 per document, plus EUR20–40 for notarization at the embassy.

Tax Advisor (First Year) – EUR300–500

Thailand’s tax system is opaque for expats. A one-time consultation with a CPA specializing in foreign income costs EUR150–250/hour, with a full first-year filing running EUR300–500.

International Moving Costs – EUR1,500–3,000

Shipping a 20ft container from Europe to Bangkok: EUR1,500–2,500. Air freight for essentials (50kg): EUR500–1,000. Customs fees (5–10% of declared value) add another EUR200–500.

Return Flights Home (Per Year) – EUR600–1,200

A round-trip economy ticket to Europe averages EUR600–800 (off-season) or EUR1,000–1,200 (peak). Many underestimate how often they’ll fly back for family, visas, or emergencies.

Healthcare Gap (First 30 Days) – EUR150–400

Private health insurance often has a 30-day waiting period. A single emergency room visit (e.g., food poisoning, motorbike accident) costs EUR100–300. A GP consultation at Bumrungrad Hospital: EUR80–120.

Language Course (3 Months) – EUR300–600

Basic Thai is essential for visas, contracts, and daily life. A 3-month intensive course at a reputable school (e.g., Pro Language, Union Thai) runs EUR300–500. Private lessons: EUR15–25/hour.

First Apartment Setup – EUR800–1,500

Most Bangkok rentals are unfurnished. Budget for: - Bed + mattress: EUR200–400 - Air conditioner (used): EUR250–400 - Kitchenware (pots, utensils, rice cooker): EUR100–200 - Internet + router: EUR50–100 - Misc. (curtains, cleaning supplies): EUR100–200

Bureaucracy Time Lost (Days Without Income) – EUR500–1,500

Visa runs, work permits, and bank account setups require multiple half-day trips to government offices. If you earn EUR25–50/hour, 10–20 hours of lost work = EUR500–1,500.

Bangkok-Specific: Motorbike Deposit + Insurance – EUR200–400

Renting a 125cc scooter (essential for avoiding Bangkok traffic) costs EUR5–10/day, but the refundable deposit is **EUR

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Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Bangkok

Best neighborhood to start (and why)

Ari is the sweet spot—walkable, local but expat-friendly, with tree-lined streets and authentic som tam stalls next to specialty coffee shops. Avoid Sukhumvit’s touristy chaos unless you love overpriced condos and constant construction noise. For a quieter vibe, Thonglor’s high-end condos and boutique gyms attract young professionals, but expect higher rents and fewer street food options.

First thing to do on arrival

Get a Thai SIM card at Suvarnabhumi Airport (AIS or TrueMove, not DTAC—their English support is terrible). Then, register at your nearest immigration office (Chaeng Wattana is the least crowded) to secure a 90-day reporting address. Skip the touristy "welcome packages"—they’re just upsells for overpriced condos and scammy language schools.

How to find an apartment without getting scammed

Use DDproperty or Hipflat (not Facebook groups—too many bait-and-switch listings). Always visit in person; photos lie about noise, mold, and "5-minute walk to BTS" claims. Landlords often demand 2-3 months’ rent upfront—negotiate for 1 month if you’re signing a 12-month lease. Avoid buildings with "no foreigners" signs; they’re not legally enforceable but signal future headaches.

The app/website every local uses (that tourists don’t know)

Grab (like Uber, but better) for taxis, food delivery, and even massages—locals never use Bolt or the sketchy "taxi meter" drivers at tourist spots. For groceries, HappyFresh delivers Big C or Villa Market orders in under 2 hours (no more lugging 5L water bottles up stairs). And download Wongnai—Yelp is dead here; this is where Thais find hidden khao gaeng (rice-and-curry) stalls with 50-baht meals.

Best time of year to move (and worst)

Arrive in November—cool(ish) weather, Songkran prep means landlords are flexible, and you’ll avoid the April furnace. Never move in September: monsoon floods turn streets into rivers, and mold grows on your shoes. May-June is tolerable if you love 40°C heat and daily thunderstorms that knock out power.

How to make local friends (not just expats)

Join a Muay Thai gym (Fairtex or Sitmonchai for serious training) or a Thai language exchange (check Meetup.com or Tandem app). Locals bond over food—offer to help at a street stall (even if it’s just peeling garlic) and you’ll get invited to family dinners. Avoid expat bars in Nana; they’re echo chambers of complaining about "how Thailand used to be."

The one document you must bring from home

A notarized, translated copy of your bachelor’s degree—immigration demands it for long-term visas (even if you’re not teaching). Without it, you’ll waste months jumping through hoops at the Ministry of Education. Also, bring an international driver’s permit (Thai police love stopping foreigners for "random checks" and extorting 500 baht).

Where to NOT eat/shop (tourist traps)

Avoid Khao San Road (overpriced pad thai and buckets of regret), Patpong Night Market (fake designer goods and aggressive touts), and Terminal 21’s food court (tourist prices for mediocre food). For shopping, MBK Center is a maze of knockoffs—go to Pratunam Market at 4 AM for wholesale prices on clothes, but bring cash and haggle hard.

The unwritten social rule that foreigners always break

Don’t touch people’s heads—even playfully. It’s sacred in Thai culture, and doing it to a kid (or worse, a monk) will earn you silent glares. Also, never step on money (coins or bills)—it’s disrespectful to the king. And if you’re invited to a home, take off your shoes before entering; wearing them inside is like spitting on the floor.

The single best investment for your first month

A motorbike (125cc

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Who Should Move to Bangkok (And Who Definitely Should Not)

Bangkok is ideal for remote workers, entrepreneurs, and young professionals earning €2,500–€5,000/month net—enough to live comfortably in a modern condo (€800–€1,500), dine out daily (€5–€15/meal), and enjoy nightlife without financial stress. The city suits adaptable, extroverted, and low-maintenance personalities who thrive in chaos, tolerate humidity, and don’t mind occasional inefficiency. It’s perfect for digital nomads, freelancers, and location-independent professionals (especially in tech, marketing, or e-commerce) who need fast internet (100+ Mbps for €20–€40/month), coworking spaces (€80–€150/month), and a 24/7 work-hard-play-hard culture. Couples without kids (or those homeschooling) will find it easier to integrate than families, thanks to affordable domestic help (€300–€600/month for a full-time maid) and international schools (€10,000–€25,000/year).

Life stages that fit best:

25–35-year-olds building careers or side hustles, prioritizing networking and affordability.

Early retirees (50+) with pensions above €3,000/month who want warm weather, healthcare (€50–€100 for a specialist visit), and a social expat scene.

Entrepreneurs launching startups or e-commerce businesses (Thailand’s BOI visa offers tax breaks for eligible ventures).

Who should avoid Bangkok?

Families with young children unless they’re enrolled in top-tier international schools—Thai public schools are underfunded, and air pollution (PM2.5 spikes to 150+ in dry season) poses health risks.

People who need Western-level order, quiet, or personal space—Bangkok’s noise, traffic, and lack of green space (only 3.3 m² per resident vs. 27 m² in Berlin) will frustrate introverts or those with sensory sensitivities.

Low earners (under €1,800/month net)—while technically possible, you’ll live in cramped rooms, skip healthcare, and miss out on the city’s best perks (travel, dining, networking). Bangkok rewards those who can spend, not scrimp.

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Your 6-Month Action Plan (Starting Tomorrow)

Day 1: Secure a short-term base (€50–€100)

Book a serviced apartment (e.g., Somerset Park Suanplu or Citadines Sukhumvit 16) for 1–2 weeks via Agoda or Booking.com (€50–€100/night). Avoid hostels—you’ll need a quiet workspace.

Buy a local SIM (AIS or TrueMove) at the airport (€10 for 30GB/month) and install Grab (ride-hailing) and Foodpanda (delivery).

Visit a supermarket (Villa Market or Tops) to stock basics (€30–€50).

Week 1: Scout neighborhoods & open a bank account (€150–€300)

Tour 3–4 areas (Sukhumvit, Silom, Ari, Thonglor) via Grab (€5–€10/ride). Prioritize:

- Sukhumvit (BTS Skytrain access) for convenience. - Ari or Thonglor for a quieter, expat-friendly vibe. - Silom/Sathorn for finance professionals.

Open a Bangkok Bank account (€0) with your passport and a letter of employment (or proof of remote work, e.g., client contracts). Avoid SCB or Kasikorn—Bangkok Bank has the best English support.

Get a Thai SIM with unlimited data (€20/month) and a local phone number for apartment hunting.

Month 1: Sign a lease & set up utilities (€1,200–€2,500)

Rent a condo (€600–€1,500/month) via DDproperty or Hipflat. Key clauses to negotiate:

- 1–2 month deposit (standard). - No agent fee (landlords often cover it). - 1-year lease (avoid 6-month leases—they’re pricier).

Set up utilities (€50–€100):

- Electricity: MEA (€0.10–€0.15/kWh). - Water: €5–€10/month. - Internet: AIS Fiber (€25–€40 for 100–300 Mbps).

Buy furniture (€300–€800) from IKEA Bangkok or Index Living Mall. For cheap basics, try Chatuchak Weekend Market (€50–€200 for a bed, table, and chairs).

Month 2: Legalize your stay & build a routine (€500–€1,200)

Apply for a visa (€150–€300):

- Tourist visa (60 days, extendable) if testing the waters. - Education visa (€1,000–€1,500/year) for Thai language classes (e.g., UTL or Pro Language). - Elite Visa (€15,000–€30,000 for 5–20 years) if you’re high-earning.

Join a coworking space (€80–€150/month):

- The Hive (Sukhumvit) for networking. - WeWork (Silom) for corporate vibes. - Punspace (Chiang Mai, but worth mentioning for remote workers who split time).

Find a gym (€30–€80/month):

- Virgin Active (€80/month, premium). - Fitness 24/7 (€30/month, basic).

Get a motorbike (€300–€800 to buy, €50–€100/month to rent) or **B