{"id":3194,"date":"2019-05-31T06:11:17","date_gmt":"2019-05-31T06:11:17","guid":{"rendered":"https:\/\/www.asiapropertyawards.com\/?p=3194"},"modified":"2021-06-04T14:26:37","modified_gmt":"2021-06-04T07:26:37","slug":"no-further-revisions-to-thai-ltv-measures-central-bank","status":"publish","type":"post","link":"https:\/\/www.asiapropertyawards.com\/en\/no-further-revisions-to-thai-ltv-measures-central-bank\/","title":{"rendered":"No further revisions to Thai LTV measures: central bank"},"content":{"rendered":"

The Bank of Thailand adamant on new curbs despite signs of housing loan slowdown<\/p>\n

\"\"
The vibrant river banks of Chao Phraya in Bangkok, Thailand. MOLPIX\/Shutterstock<\/figcaption><\/figure>\n

The Bank of Thailand (BOT) will not relent on recently introduced macroprudential regulations even though mortgage lending has shown signs of decelerating, NNT<\/a> reported.<\/p>\n

The loan-to-value (LTV) rules implemented from April will continue despite lower-than-projected mortgage lending figures this month and the previous one.<\/p>\n

The contraction of the mortgage market has been attributed to accelerated transactions and ownership transfers from the fourth quarter of 2018, according to central bank governor Veerathai Santiprabhob.<\/p>\n

As a result, the BOT will defer decisions on LTV regulations until it has a clearer picture of their impact on the property sector.<\/p>\n

More: Thai properties thrive on growing tourist numbers, infrastructure projects<\/strong><\/a><\/p>\n

In April, the central bank lowered the LTV ratio to 80 percent for borrowers seeking residences valued at THB10 million (USD314,700) or higher. Officials also required a minimum downpayment of 10 to 20 percent for second mortgages, and 30 percent for subsequent mortgages.<\/p>\n

GH Bank, a state-run lender, recorded housing loan extensions at THB9 billion in April, down from the average monthly loan target of THB15 billion.<\/p>\n

“At the meeting with the Finance Ministry and the Bank of Thailand, we proposed a method and loan conditions to help support low-income people who need mortgages from state-owned banks,” Chatchai Sirilai, president of GH Bank, told the Bangkok Post<\/a>.<\/p>\n

Commercial banks’ net loans dipped by THB60.1 billion in January, the Post also reported, citing Kasikorn Research Center.<\/p>\n","protected":false},"excerpt":{"rendered":"

The Bank of Thailand to continue new curbs despite signs of housing loan slowdown<\/p>\n","protected":false},"author":8,"featured_media":20092,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[92],"tags":[263,264,133],"class_list":["post-3194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-bot","tag-central-bank","tag-thailand","news_country-thailand","news_author-property-report"],"acf":[],"yoast_head":"\nNo further revisions to Thai LTV measures: central bank | Asia Property Awards<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asiapropertyawards.com\/en\/no-further-revisions-to-thai-ltv-measures-central-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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