BAM's CEO says Thai household debt is about 86% of GDP (about 16.41 trillion baht) in Q1, and bank rejection rates for homes under 3 million baht have passed 50%, the highest in five years, because debt-to-income ratios exceed the banks' 70% threshold. Growth is under 2%. For a business, expect weaker demand from customers who need home loans and tighter credit for them. Resale homes now hold 67% of the market and are priced 15-25% below new ones, so buyers and sellers of older property may find more deals. BAM's Rent to Own model lets freelancers rent first and apply part of the rent to a later purchase. These are company claims at a seminar, not official data.