My friend work as a real estate agent in Pattaya and he really hopes Thailand makes it easier for people to take a on the house a so called secured loans.
Right now foreigners can not take loans for houses since they can not even own the land the only thing they can do is take from a bank in Singapore.
The government of Thailand did it even harder to own a house now last month when they passed a bill to not allow foreigners to keep the majority voting rights in companies. But in the same times some banks have started to open up to people having a steady income in Thailand.