GH Bank approved only 40% of mortgage applicants in the first two months of 2026. Rejections come from high household debt, unclear income documents and erratic bank statements. Small business owners and self-employed people are named as the hardest to verify. Supalai's rejection rate rose to 17% from 15%, and it says even small late payments, including buy-now-pay-later, count against borrowers. If you plan to buy property or refinance, keep business income documented and bank statements steady, and pay small debts on time.