To support and develop national human resources in education, KTB provides loans for government universities (excluding private universities for constructing or renovating buildings or dormitories) to enhance the national education development

Service Features

We provide loan for supporting the construction and development of the education buildings including students’ dormitories for the government universities with the large amount of loan by considering from the necessity and suitability including ability to repay debt. The repayment period is maximum 15 years and 3 years of grace period with monthly principal and interest repayment equally each month. However, during the grace period, monthly interest will be collected.

Applicants’ Qualifications
  • Being governments universities (excluding private universities)
  • Being juristic persons
  • Construction projects should be approved by the university council allowing to loan from the bank
  • Having annual budget for repayment
Service Terms/Conditions
  • Loan type: Term Loan
  • Loan Terms and Installment: Maximum 15 years including 3 years of grace period
Required Documents
  • The resolution from the university council approving to construct /renovate the building and allowing to loan from financial institutes
  • Project description
  • Financial statement
  • Cash flow statement of the project
  • Copy of national ID card or government officer ID card and copy of census registration of the authorized directors
  • Other relevant documents
Interest Rate and Fee
Interest rate

In case of transferring right of deposit as securities, interest will be collected with the rate of deposit interest of such securities plus 1% per year of margin

In case of using other securities or having no securities, interest will be collected with the rate of:
  • 1st-2nd year: MLR –1.5% per year
  • 3rd-5th: MLR –1.0% per year
  • 6th year onward: MLR% per year

In case of default of payment or breach of contract, the interest will be collected as the highest rate stated by the bank


Fee
  • Front End Fee: 0.5% of loan amount paying on the date of starting a contract
  • Prepayment Fee: 2.0% of principal of completed repayment for refinance case only
  • In case of installment fee is over the minimum amount per month or time within 10 years since the date of making a contract, the interest will be collected for 1% of the over amount of payment
  • Additional fees will be collected based on the bank policy
For more information, please contact