I've suggested elsewhere the Thai government looks at setting up a loan scheme for saving, house purchase etc etc. The Philippines has one, with over 4 million signed up. Been going for 50 years. Low rates guaranteed, between 4.5 and 5.5%. Government regulated. But, you need a regular salary, as with any mortgage. So lifting the population out of poverty should be the first priority of this government. And 10,000 THB is really not going to do that. So think again Billionaire Bob. Stop laughing hysterically for a minute and wake up to the mountainous problem you've inherited from half your fricking cabinet.