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SME Credit - One Account

​Choose as you desire!

Long-term Loan - Big Credit Line - No Collateral


Juristic person required to submit documents to the Revenue Department for loan approval.

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Loan details

Types of Loan

Long-term loan

Installment Period

Up to 5 years

Loan Limit

Up to 400 million Baht

Interest Rate

  • Loan amount of not more than 10 million Baht is subject to a 5 - percent interest rate for 24 months; standard rate is applied for the rest of the loan term.
  • Loan amount of more than 10 million Baht is subject to standard interst rate.

Collateral

  • Vacant land
  • Business facilities
  • Residential property
  • Deposit

 


Additional conditions
  • Eligible customers must present documents required to be submitted to the Revenue Department for loan approval.
  • The program will end on December 28, 2018 or last until the loans are used up.

 


Loan-term Loan

Types of Loan

  • Long-term loan
  • Overdraft loan (OD)

Installment Period

  • Up to 10 years
  • As determined by KBank

Loan Limit

Up to 30 million Baht

Interest Rate

Starting at MRR -0.5% p.a.

Collateral

Business facilities

                                      

Big Credit Line

Types of Loan

  • Long-term loan
  • Overdraft loan (OD)

Installment Period

  • Up to 7 years
  • As determined by KBank

Loan Limit

Up to three times the collateral value but not more than 30 million Baht

Interest Rate

Starting at MRR+ 0.5% p.a.

Collateral

  • Business facilities
  • Residential property
  • Vacant land
  • Fixed-term deposit
  • Bond

Fee

No TCG Guarantee Fee in the 1st year, 2nd - 3rd year 0.5% per year
and 1.5% per year thereafter.

 


No collateral

Types of Loan

Long-term loan

Installment Period

Up to  5 years

Loan Limit

Up to 5 million Baht

Interest Rate

Starting at MRR + 4.5% p.a.

Collateral

Personal guarantee
TCG guarantee

Fee

No TCG Guarantee Fee in the 1st year, 2nd - 3rd year 0.5% per year
and 1.5% per year thereafter.


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Application details

Eligibility
  • Juristic person required to submit documents to the Revenue Department for loan approval
  • Having been in business for not less than 5 years
  • Having good payment history in accordance with criteria determined by KBank

                          

Required documents
  • Copy of national ID card of                               
    • Managing Directo
    • Authorized signatory of juristic person    
    • Shareholders holding at least 20% of shares    
    • All guarantors    
    • Grantor and grantee of power of attorney    
    • Collateral owner (loan requiring collateral only)
  • Copy of house registration of
    • Managing Director
    • Authorized signatory of juristic person
    • Shareholders holding at least 20% of shares
    • All guarantors
    • Grantor and grantee of power of attorney
    • Collateral owner (loan requiring collateral only)
  • Copy of name change certificates of managing director, authorized signatory of juristic person, shareholders holding at least 20 % of shares,  all guarantors, grantor and grantee of power of attorney, collateral owner (if any) 
  • Copy of Commercial Registration Certificate and copy of Objectives of Juristic Person issued not more than three months prior to submission      
  • Copy of Memorandum of Association and Articles of Association      
  • Copy of shareholder’s registration issued not more than three months prior to submission      
  • Latest financial statement submitted to the Revenue Department in the most recent year and previous two years      
  • Tax payment documents or summary of monthly sales and purchase orders covering the past three months      
  • Documents showing business revenues such as statement, and commercial bills      
  • Copy of the collateral ownership document (for loans requiring collateral)     
  • Tax ID card (if any)     
  • Minutes of company meeting resolving to apply for a KBank loan      
  • Other documents required by KBank  

                          



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FAQs

Which group of customers qualifies for a 5-percent interest rate for two years ?

Juristic persons required to submit documents to the Revenue Department for loan approval.

Can I request a loan of more than 10 million Baht ?

Yes. However, the loan is subject to an interest rate per KBank’s standard criteria.

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Which documents must be submitted to the Revenue Department ?

They are, i.e., financial statement of the most recent year, Phor Phor 30 (value-added tax form) covering the past 12 months, Phor Ngor Dor 50 (Income Tax Return for Companies or Juristic Person ) of the most recent year, and Phor Ngor Dor 51 (Income Tax Return for Companies or Juristic Partnerships) of the most recent year.

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Are newly registered juristic persons eligible for the loan program ?

No. To be eligible, a juristic person must be registered for not less than one year.

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Loan details

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Application details

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FAQs

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