Thanks.
This is just the type of loan I was expecting to get, if anything at all. We're both well aware of the risks and have every intention of repaying on time which would remove that particle hazard.
I should explain in more detail:
My wife already has a government loan against the land. Since we took out the loan, my income has since been hit hard meaning we couldn't make the repayments. We've since moved out of Bangkok to slash our overheads and can balance the books again, but the government guy (sorry, I don't know the terminology) has already started legal proceedings. We have a month to find the outstanding money or the land will be sold, which is problematic for my wife considering it was passed down by family.
Oh, and even though my income has taken a hit, it's still a reasonable amount.