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<xml><bibliography><APA>ดิเรก ปัทมสิริวัฒน์. (2011) HOMEOWNERSHIP, MORTGAGE DEBT, AND HOUSING ASSET. &lt;i&gt;Development Economic Review&lt;/i&gt;, &lt;i&gt;5&lt;/i&gt;(1), .</APA><Chicago>ดิเรก ปัทมสิริวัฒน์. "HOMEOWNERSHIP, MORTGAGE DEBT, AND HOUSING ASSET". Development Economic Review  5 (2011):.</Chicago><MLA>ดิเรก ปัทมสิริวัฒน์. HOMEOWNERSHIP, MORTGAGE DEBT, AND HOUSING ASSET. School of Development Economic:ม.ป.ท. 2011.</MLA></bibliography></xml>
