Thailand's National Economic and Social Development Council (NESDC) reports that in 2024, borrowers took out an average of 1.11–1.22 new housing loan accounts per person—up from 1.06–1.07 in prior years—indicating widespread simultaneous multi-property purchases. The gap exists because credit bureaus update monthly, allowing borrowers to apply to multiple banks during the same window. Real estate brokers exploit this to push multiple purchases and speculative "condo money" schemes targeting borrowers with good credit scores; experts warn these practices mask significant default risk (NPL exposure) for financial institutions.