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No Collateral

​​​​​​​​​​​​​​​​Collateral-free!
All you need is a guarantor

No TCG Guarantee Fee in the 1st year.

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Loan Details


Types of Loan

Long-term loan

Installment Period

Up to   5 years.

Loan Limit

Up to 5 million Baht

Interest Rates

Starting at  MRR + 7% per year

Collateral

Guarantor
TCG Guarantee

Fees

No TCG Guarantee Fee in the 1st year
and 1.75% thereafter. The end of Campaign is July 2020


 


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How to Apply​

​Qualifications
  • Private or corporate individual of Thai nationality
  • Be at 25-65 years
  • Have operated a business for more than 3 years
  • Good financial standing by KBank criteria
Required Documents​

Private Individuals

  • Copy of the national ID card of the applicant, spouse, guarantor
  • Copy of the house registration of the applicant, spouse, guarantor
  • 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 (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.
  • Other documents as specified by KBank

Corporate Individuals

  • Copy of the national ID card of
    • Managing director
    • Authorized signatories
    • All shareholders holding at least 20%
    • All guarantors
    • Grantor and grantee of power of attorney
  • Copy of the house registration of
    • Managing director
    • Authorized signatories
    • All shareholders holding at least 20%
    • All guarantors
    • Grantor and grantee of power of attorney
  • Copy of Name Change Certificate of managing director, juristic person’s authorized signatory(ies), shareholders holding shares of at least 20 percent of the total, all guarantors, grantor of authorization and authorized person, collateral owner (if any)
  • Copy of Corporate Registration Certificate and copy of the corporate objectives (within 3 months)
  • Copy of corporation's Memorandum of Association and Articles of Association
  • Copy of shareholder registration (within 3 months)
  • Financial statements submitted to the Revenue Department in the latest year and the two previous years
  • Tax paying evidence or monthly buying and selling report of the past 3 months
  • Documents showing the income of the business such as account statements, bills, etc.
  • Tax Payer ID Card (if any)
  • Minutes of meeting showing the board’s consent to apply for a loan with the bank
  • Other documents as specified by KBank
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Frequently Asked Questions

How many years of business experience are borrowers required to have?

Not less than three years.

Can I apply for a loan if I have been in business for three years without any business registration?

No, you cannot.

Is a guarantor required?

Yes, at least one guarantor is required.

Who can be a guarantor?

A father, mother, child, husband, or wife


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Loan Details

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How to Apply​
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