SCB EIC's 2026 real estate survey finds most mortgage borrowers are still paying on time, but nearly half of those earning 50,000–100,000 baht a month are worried about future repayments, and that share rose from last year. NPL ratios on housing loans remain high in Q1 2026, and banks say lending standards will not loosen much soon. For a Thai SME owner, expect weaker demand for property and home-related purchases from middle-income customers, and tighter credit if you apply for loans with property as collateral or a personal home loan.