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K-Personal Loan for Pensioner

​​​​​​​Cater to your every need
Qualified even when retired

No guarantor, longest tenor of 30-year

Retirees can apply

Pensioners are eligible for this loan to fulfill all their needs

No guarantor is required

Use your certificate of survivorship as collateral

Receive maximum credit limit of

of the amount stated in a certificate of survivorship


No sweat with maximum 30-year repayment period

Repay with ease with low interest rates

Interest rates MRR - 1.15% p.a.

Product details


Interest rate

MRR - 1.15% p.a.

Tenor

Up to 30 years


Loan limit

Up to 100% of the amount stated in a certificate of survivorship

Fee

  • No loan management fee
  • No prepayment fee before half of the repayment period
  • Duty stamp fee*

Receipt of fund

The credit will be transferred into the borrower’s KBank savings account provided in the loan application, in net amount that excludes duty stamp.

Repayment

  • The borrower’s pension account at the Comptroller General’s Department, the Ministry of Finance, will be deducted monthly as repayment until loan is paid off.
  • When a borrower dies or is unable to make repayment, the Comptroller General’s Department, the Ministry of Finance, will deduct survivorship benefits as repayment and close the account.

Note: Duty stamp is one Baht for every 2,000-Baht loan or fraction thereof.

How to apply

Eligibility

Nationality

  • Thai

Age

  • No limit

Note: Retired government officials who receive pension at the Comptroller General’s Department, or the Provincial Office of the Comptroller General’s Department, the Ministry of Finance.

Required documents
  • Copy of national ID card with a photo and clearly visible card number (certified true copy) and a copy of house registration when using the copy of pensioner ID
  • Original certificate of survivorship/original additional supplement of certificate of survivorship issued by the Comptroller General’s Department or Provincial Office of the Comptroller General’s Department, the Ministry of Finance (if any), with authorized signature and the official stamp of the Comptroller General’s Department or the Provincial Office in red ink
  • Copy of active KBank savings account passbook (for fund transfer once loan is approved)