SCB EIC's 2026 survey finds home-buying demand at its lowest in four survey years, with 56% of respondents having no plan to buy within five years. Buyers are wary of loan rejection and tighter bank lending, and rising worry about future repayments. Demand is shifting to second-hand homes, while renting is also slowing as some tenants move back in with family to cut costs. For a Thai SME, expect cautious customers on big-ticket purchases and a weaker rental-driven market. Budget-focused and second-hand segments are where the activity is. The mid-term recovery is expected to stay slow.