The National Credit Bureau (NCB) data cited by the National Economic and Social Development Council (NESDC) shows the average borrower opened 1.11-1.22 new housing loan accounts in 2025, up from 1.06-1.07 in 2021-2024. It fell to 1.08 in Q1 2026. NESDC says monthly credit reporting leaves a gap that lets borrowers apply to several lenders at once, and warns about overborrowing and future defaults. For a business, the practical effect is that property-linked lending may get stricter checks and slower approvals, and buyers or tenants in your area could face tighter credit. The LTV easing (100%) has been extended to 30 June 2027 and the transfer fee cut to 0.01% for homes up to 7 million baht applies.