Personal Loan
All-Purpose Loan for Employees of Private Enterprises

All-Purpose Loan for Employees of Private Enterprises

Special loan only for private company employees
HIGHLIGHT Unique Features
HIGHLIGHT
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Credit Limit Upto 5 MB
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Upto 15 years borrowing period
for organizations signing agreement with Krungthai Bank

INTERESTS & PERIOD

Agreement with organization

Interest rate (baht/year)

Property as collateral

Bondsman

Having Payroll account and repayment via payment through bank service channels

MRR

MRR +1.5%

Having Payroll account and repayment via Auto Direct Debit from the account

MRR

MRR +2.0%

Having no payroll account, and repayment via payment through bank service channels

MRR

MRR +3.0%

**In case the Bank requires the bondsman , but loanee requests for exempt of bondsman.
The interest rate will be 2% added on the designated amount by the Bank.

Terms and conditions for loan period

Collateral types

Period of time

Credit limit

 Property as collateral

15 years

Upto 5 MB

 Bondsman and exempt of bondsman

7 years

10 times of salary, not exceeding 2MB

**All type of loans together must not exceed 5 million baht for one individual.

Qualified applicants
  • Permanent employees or contract-base employees with specific time of employment such as 2-3 years
  • Minimum working period of 3 years
  • Earning minimum of 18,000 baht salary and have sufficient fund to pay for monthly installment amount 

Qualified Bondman
  • Have same qualifications as loanees, family members of loanees or individuals who are able to pay off the loan on loanee behalf
  • The age of loanee or bondsman when combined with borrowing period must not exceed 60 years or retirement age of loanee/bondsman.

Required documents
  • Copy of national identification card, copy of house registration document and employee identification card of loanee and bondsman
  • The company certificate, the surrender form for direct debit to pay installment to the Bank or direct transfer of income to the Bank account (as per terms and conditions of the Bank)
  • Copy of bank statement, salary slip and other income reports (if any) 

FAQ