SCB EIC's 2026 real estate survey reveals structural stress in Thailand's mortgage market: lower-income groups (≤50K baht/month) remain in default or struggling; the critical concern is the middle-income group (50K–100K baht/month), where nearly half report growing anxiety about future payments despite currently servicing loans on time. NPL ratios remain elevated and banks maintain tight lending standards, signaling persistent economic headwinds affecting purchasing power and household debt stress across middle-income earners.