K-Personal Loan for Welfare  (สินเชื่อบุคคลเพื่อสวัสดิการกสิกรไทย  )

• Special low interest rate without requirement for collateral or guarantors
• Consumer loans for daily spending
• Convenient loan repayment via account debit with K-Salary Benefits or through your organization

Eligibility

• A regular employee with monthly income of at least 20,000 Baht
• Age: 21 years old; The applicant’s age when added to the duration of the loan must not exceed 60, or the retirement age established by his/her organization
• Years of work: at least one year
• Approval must be granted by the applicant’s organization (in case where account debit is performed by that organization )

Credit limits

• 10,000 – 300,000 Baht
• Up to five times the applicant’s monthly income

Installment period

• For a 10,000 – 20,000 Baht loan limit: 12 months or 24 months
• For a 20,001 – 300,000 Baht loan limit: 12 months, 24 months or 36 months

Required documents

• Copy of national ID card with clear photo and 13-digit ID number
• Copy of name/surname change certificate (if any)
• Financial documents:

If the applicant is a fixed-income earner, please submit the following financial documents:

• Original salary certification letter or salary slip (not more than 2 months old) (If submitting salary certification letter, please also attach a bank statement for the past three months)

If the applicant has other income (e.g., commission), please submit the following financial documents:

• Original salary certification letter or a copy of salary slip (not more than 2 months old)
• A copy of bank statement for the past 6 months or a copy of Tax Return form which has been acknowledged by the Revenue Department