The Government Housing Bank (GHB) is implementing proactive debt management and allocating 100 billion baht to support freelance/self-employed workers' home ownership. The bank targets 240 billion baht in new lending for H2, with over 80% of new loans under 3 million baht aimed at low-to-mid income earners. GHB holds 40% market share in residential loans and reports H1 growth of 14-15% YoY, positioning itself as the primary mechanism for real estate sector recovery.