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The Government Savings Bank is open to eligible citizens. The maximum loan amount is 50,000 baht. “Fundamental improvement loan” Round 2 is ready to verify project conditions. No guarantees required
Recently, the Government Savings Bank has opened up to the public to request a loan to strengthen the base. Through the MyMo Mobile Banking application of the Government Savings Bank from today. The maximum loan amount is 50,000 baht per person, with an interest rate of 0.35% per month (flat rate). The repayment term of the loan is not more than 3 years. It is not necessary to use securities or personal loan guarantees. It is also free of principal and interest payments. Or you don’t have to pay in installments in the first 6 months
Previously, the Government Savings Bank has opened the registry of said loan. Via the website of the Government Savings Bank But since there are many people who apply for a loan for a large amount of 10 billion baht, GSB has delayed the opening of the registry. To check the qualifications of loan applicants But after consideration, it was discovered that several clients were not approved for credit. Causing the bank to have funds remaining Therefore, Government Savings opened the registry for the public to apply for a loan again.
Borrower qualifications
- They are credit customers of the Bank OR used to be a credit customer of the Bank AND have closed the account for no more than 3 years.
- You are a small business owner / self-employed person, such as an entrepreneur Service Professionals who have reached the age of 20 AND when combining the borrower’s age and the repayment period, the loan should not exceed 70 years.
- It is a regular source of income, such as employees / employees of a private agency Having a monthly salary of 20 years or more AND by combining the borrower’s age and the repayment period, the loan should not exceed 60 years.
- They are affected by the COVID-19 epidemic
- If you are an absolute resident, you can contact
- He is not an employee or employee of the Government Savings Bank
- Not be a person who receives regular income from government agencies / state companies
The Bank will consider the ratings based on the customer information previously provided to the branch of the Government Savings Bank.
Loan amount
- All professions make loans as needed and the ability to pay a maximum of 50,000 baht per person.
Loan payment term
- Maximum grace period of 3 years (30 installments) for the first 6 installments (principal and interest)
Loan interest rate
- Interest rate 0.35 percent per month (fixed rate)
- The interest rate in case of debt default will be charged an additional 0.50% per month of the principal owed.
Loan guarantee
- No warranty
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- Loan service fee waiver
Loan documents
- ID card
Loan application
- You can apply for a loan in person through Mobile Banking (MyMo), which can record the loan details in e-Slip (.jpg) format.
However, if the foundation reinforcement loan application is not in the full amount yet AND you want to apply for a loan for the remaining amount later The remaining credit limit must be obtained only through a branch of a Government Savings Bank .
Notification of the result of the consideration
- The bank will notify the result of the approval of the credit through SMS and Notification in mobile banking (MyMo) within 24 hours. The loan contract must be confirmed in electronic contract format after the bank notifies the result of the consideration and approval within 7 days.
Conclusion of a loan contract in the form of an electronic contract
- Confirm the loan contract in the form of an e-Contract via Mobile Banking (MyMo) confirming the same electronic signature. When specifying the passcode and OTP
- The Bank delivers the loan contract in electronic contract format (.PDF file) to the client’s email confirmed in Mobile Banking (MyMo) and stored in the banking system.
- The bank will transfer the funds to the main Mobile Banking account (MyMo) within 24 hours after the execution of the contract.
Loan payment channels
- Direct debit for loan payments through the main account in Mobile Banking (MyMo) automatically.
- In case of advance payment Payment can be made in just 1 period only through all channels provided by the bank
Credit bureau
- You can give consent to disclose information over the Internet (e-Consent) in Mobile Banking (MyMo) with consent as if it were an electronic signature specifying OTP.
- Credit check The bank must obtain the consent of the customer who is the owner of the information electronically. The system will search for credit information on the National Credit Bureau Co., Ltd. (NCB) Internet system, which must be a customer applying for credit only.
Loan approval
You must not be a loan borrower under the following informal debt relief programs:
- Loans to solve informal debt problems
- Loans to solve informal debt problems (Phase 2)
- National Bank loans for holders of the Social Welfare Card
- Popular banking loans to resolve informal debt
- Loans for the self-employed Affected by the corona virus (COVID-19)
- Loans for expenses of people with regular income Affected by the corona virus (COVID-19)
- Foundation Improvement Funds (Create a single job)
Note: Approval is subject to criteria established by the Bank.
Project duration
- Submit a loan application and complete a legal contract by December 30, 2020.
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