The BOT said on Thursday that those who want to own a second home should be required to put down payments of up to 20 per cent of the house value. The&nbsp;&nbsp;loan-to-value (LTV)&nbsp;will be limited to 80 per cent from 90 to 95 per cent currently. 
Currently, banks ask for only 5 to 10 per cent down payments. 
The central bank has invited banks, property developers and consumers to give their opinions until October 22 before it will decide on the measures, expected to be adopted in January next year.&nbsp; 
This would also apply to houses priced Bt10 million and more, but would not be applied to first home ownership.

BOT proposes 20% second-home payments

The Bank of Thailand is proposing 20 per cent down payment for second home purchasing in order to maintain the mortgage lending standard.