GHB Bank (ธอส.) says it will contact borrowers before they miss payments, offering restructuring, debt settlement or longer loan terms to lower instalments. It targets over 10 billion baht in home loans for self-employed people in H2, judged on more than income alone. Bank says it is ~40% of the housing loan market. Relevant if you are self-employed and considering a home loan: this lender is looking to approve you, though credit checks still apply. Government transfer-fee and mortgage-fee reduction extended one more year, which may lower property purchase costs.