HIGHLIGHT
Reserve some cash for urgent use
with maximum credit limit 15 times of salary
Low interest rate
No guarantor needed
Calculate interest on actual capital used
No interest paid if no capital used
INTEREST RATES
| Applicants | Interest Rates |
| 1. In case of borrowers having guarantor / exempt from guarantor |
MRR + 3.5% Click "Promotion" |
|
2. Borrowers must have guarantor but choose to have no guarantor - Government Officers / State Enterprise Officers / Employees of Government Organization / Government Officers |
MRR + 5.5% Click "Promotion" |
|
3. Borrowers must have guarantor but choose to have no guarantor - Employees of Private Sectors (Organizations with MOU agreement) |
MRR + 6.0% |
| Interest Rates |
| 1. In case of borrowers having guarantor / exempt from guarantor |
|
MRR + 3.5% Click "Promotion" |
|
2. Borrowers must have guarantor but choose to have no guarantor - Government Officers / State Enterprise Officers / Employees of Government Organization / Government Officers |
|
MRR + 5.5% Click "Promotion" |
|
3. Borrowers must have guarantor but choose to have no guarantor - Employees of Private Sectors (Organizations with MOU agreement) |
| MRR + 6.0% |
Credit Limit
| Applicants | Organizations with MOU agreement with Krungthai Bank | Organizations without MOU agreement with Krungthai Bank |
| Government and state enterprise sectors | Upto 15 times of salary | Upto 5 times of salary |
| Private sectors | Upto 10 times of salary | Use 5 Plus Thanawat Loan, credit Limit upto 5 times of salary |
| Organizations with MOU agreement with Krungthai Bank | Organizations without MOU agreement with Krungthai Bank |
| Government and state enterprise sectors | |
| Upto 15 times of salary | Upto 5 times of salary |
| Private sectors | |
| Upto 10 times of salary | Use 5 Plus Thanawat Loan, credit Limit upto 5 times of salary |
Qualified applicants
1) Government officers, state enterprise, public organization and state organizations employees
| MOU agreement with Krungthai Bank | Salary | Balance of bank account each month |
| Yes | over 13,000 baht | Minimum 15% of salary |
| No | over 13,000 baht | Minimum 15% of salary |
| Salary | Balance of bank account each month | ||||||||||
| Organizations with MOU agreement with Krungthai Bank | |||||||||||
| over 13,000 baht | Minimum 15% of salary | ||||||||||
| Organizations without MOU agreement with Krungthai Bank | |||||||||||
| over 13,000 baht | Minimum 15% of salary | ||||||||||
2) Government officers, Contract-based government employees and staff for government and state enterprise organizations.
| MOU agreement with Krungthai Bank | Salary | Balance of bank account each month |
| Yes | over 15,000 baht | Minimum 25% of salary |
| No | over 30,000 baht | Minimum 25% of salary |
| Salary | Balance of bank account each month | ||||||||||
| Organizations with MOU agreement with Krungthai Bank | |||||||||||
| over 15,000 baht | Minimum 25% of salary | ||||||||||
| Organizations without MOU agreement with Krungthai Bank | |||||||||||
| over 30,000 baht | Minimum 25% of salary | ||||||||||
Additional Conditions
- The work contract period must be over 2 years and is still accountable for at least another 1 year.
- Consecutive at least 3 years work experience
3) Private organization employees
| MOU agreement with Krungthai Bank | Salary | Balance of bank account each month |
| Yes | over 18,000 baht | Minimum 25% of salary |
| No | Use 5 Plus Thanawat Loan | |
| Salary | Balance of bank account each month | ||||||||||
| Organizations with MOU agreement with Krungthai Bank | |||||||||||
| over 18,000 baht | Minimum 25% of salary | ||||||||||
| Organizations without MOU agreement with Krungthai Bank | |||||||||||
| Use 5 Plus Thanawat Loan | |||||||||||
Required documents
- Copy of national identification card, government officer card or state organization employees.
- Copy of house registration
- Original copy of income certifying letter or latest payroll slip or other original copy of credential income report.
- 3-month-backward bank statement is required. In case of a new customer with less-than-6-month of net salary transaction in the Krungthai Bank account, the salary account of other banks may be submitted for loan approval.
Extra Protection for customers
Customers with loan approval are eligible to apply for beneficial group insurance with the low premium rate offers. Terms and conditions are subject to the Bank’s discretion.
FAQ
Daily interest calculation for the actual loan amount and days spent only
