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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.

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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