Thai authorities are rolling out additional debt restructuring measures for mortgage borrowers as economic growth slows and household debt-servicing capacity weakens. Consumer demand for housing has declined to a 4-year low, with 65% of survey respondents showing no plans to buy a home within 5 years. Tightened lending criteria and elevated household debt remain major barriers to mortgage access, particularly for mid-to-lower-income segments earning under 100,000 baht monthly.