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K-Smart Asset

​​​​​Low interest rates with repayment period up to 30 years

For property expansion, decoration or remodeling
only experience in business operation required!

 
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​Loan details

Types of Loan

Long-term loan

Installment Period

  • Corporate  Individuals : up to 30 years                             
  • Private  Individuals : up to 20 years                           

Loan term and principal borrower's age, when combined, must not be more than 70 years                           

Loan Limit

Up to 30 million Baht

Interest Rates

Starting at MRR -1.0 percent p.a. in the first year
MRR applied during subsequent year

Collateral 

Business facilities



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Application details

Eligibility
  • Private or corporate individual of Thai nationality
  • Have operated a business for more than 5 years
  • Good financial standing by KBank criteria
Required Documents

Private Individuals

  • Copy of the national ID card of the applicant, spouse, guarantor, and collateral owner  
  • Copy of the house registration of the applicant, spouse, guarantor, and collateral owner  
  • Copy of a marriage or divorce certificate or spouse's death certificate (if any)  
  • Copy of a name-surname change certificate of the applicant, spouse, guarantor, or collateral owner (if any)  
  • Copy of the business registration and / or other government-issued documents  
  • Documents showing the income of the business such as account statements, bills, etc.  
  • Documents confirming NPA purchase from KBank  
  • Other documents as specified by Kbank

Corporate Individuals

  • Copy of the national ID card of   
    • Managing Director   
    • Authorized signatory of juristic person   
    • Shareholders holding at least 20% shares   
    • All guarantors   
    • Grantor and grantee of power of attorney   
  • Copy of the house registration of   
    • Managing Director   
    • Authorized signatory of juristic person   
    • Shareholders holding at least 20% shares   
    • All guarantors   
    • Grantor and grantee of power of attorney   
  • 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 (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   
  • Tax ID card (if any)   
  • Minutes of company meeting resolving to apply for a KBank loan   
  • Documents confirming NPA purchase from Kbank   
  • Other documents required by KBank   

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Frequently Asked Questions

How can I apply for a long-term loan for purchase of vacant land ?

Customers are required to submit a proof of business establishment construction, such as construction plans (blueprints).

Can I apply for a full amount of long-term loan (100 percent LTV) ?

Yes. Loan for property purchase and improvement is granted at 100 percent of collateral value.

Can this loan be used to buy assets other than KBank's NPAs ?

No. Only KBank's NPAs qualify.

Can this loan be used for the purchase of other banks' NPAs ?

No. Only KBank's NPAs qualify.  

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Loan details

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​Application details

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