FAQ

Multi-purpose loan 5 Plus

Can the government or state-enterprise officers apply for the multi purpose 5 plus ?
- The multi purpose 5 plus is only available for private sectors employees.

5 Plus Thanawat Loan

Does the bank automatically deduct the loan payment from the salary account of the borrower?
- The bank will automatically deduct the installment amount from the bank account of the borrower.

Krungthai Smart Money Loan

Where can the loan be paid ?
- 1. Any Krungthai banks
  2. Krungthai netbank
  3. Any ATMs with Krungthai Loan Convenience Card
Will applicants need salary account with Krungthai Bank ?
- No
Will government and state enterprise officers be eligible to apply for the loan ?
- Yes

Krungthai Thanawat Loan

How is the Krungthai Tanawat loan’s interest being calculated ?
- Daily interest calculation for the actual loan amount and days spent only

All-Purpose Loan for Employees of Private Enterprises

Is it mandatory for loanees to have payroll account with Krungthai Bank ?
- Yes . The private company must pay the salary to the loanees account with Krungthai bank.

Multi-purpose loan for government officials, permanent government employees and state enterprise employees, whose affiliations did not conduct MOU to provide credit as a welfare.

Is the interest rate an effective interest rate?
- Yes.
What is the loan period?
- In case of guarantor / exempt from guarantor, the maximum loan period is 15 years.
  
  In case of collateral, the maximum loan period is 15 years.
What is the maximum loan limit?
- In case of guarantor / exempt from guarantor, the maximum loan limit is up to 5 times of income.
  
  In case of collateral, the maximum loan limit is not exceeding the value of the collateral.
Is it mandatory for borrower to have a payroll account with Krungthai Bank?
- Yes, a payroll account with Krungthai Bank is mandatory.