Deposit 3, emergency loan, Government Savings Bank to help flood victims

Mr. Withai Ratanakorn, Director of Government Savings Bank revealed that fromInfluence of the monsoon trough – Typhoon Mu resulting in flash floods flowing wild water which makes the houses and property of the people and customers of banks in the area were damaged Having trouble in the life of the bankIssued credit measures to alleviate the suffering of disaster victims and entrepreneurs in the areaEmergency loanwith conditions, conditions, lenient and low interest rates for home repair Buy essential items including

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1. Loans to help disaster victims

Loan amount : Not more than 50,000 baht per person

Interest rate:
– 1st year = 0% per month
– Years 2-5 = 0.85% per month

Installment period : 3-5 years without repayment in the first 3 installments

loan applicant qualifications To help disaster victims:

– Those who suffer from disasters such as floods, storms, earthquakes, droughts, cold and including those who suffer from fire
– Aged 20 years or more and when combining the borrower’s age with the loan repayment period, it must not exceed 65 years.
– Be a resident of course can contact
– Not being an employee, employee, executive or director of the Government Savings Bank

Margin Required*:

In the case of using a personal guarantor

– Aged 20 years or more and when combining the age of the guarantor with the repayment period, the loan must not exceed 65 years.
– Be a resident of course can contact
– Guarantee for up to 2 borrowers
– Be a professional and earn a certain From 9,000 baht per month or more, not less than 1 person

Other types of collateral can use the collateral that belongs to the borrower or of another person who agrees to use the guarantee as follows:

– Savings passbook and or special GSB lottery
– real estate Located in a prosperous community There are other utilities as needed and has a public utility which can easily enter and exit
– Small Industrial Credit Guarantee Corporation (TCG), a credit guarantee program for Micro Entrepreneurs, whereby the bank pays a guarantee fee at a rate of 2% per annum of the guarantee obligation to borrowers from the second year onwards throughout contract term

*Must be in accordance with the conditions set by the bank

Deposit 3, emergency loan, Government Savings Bank to help flood victims

2. Housing loans to disaster victims

Loan amount : Not more than 1 million baht per person

Interest Rate :
– Year 1 = 0% per year
– Year 2-3 = 3.00% per year
– Year 4 = MRR-0.75% per year

Installment period : up to 40 years

Loan amount : 100% of the appraised value of the building to be added or repaired, and not more than 1,000,000 baht, in accordance with the rules Conditions for granting housing loans In the case of a loan for housing

Property loan applicants to disaster victims

– Aged 20 years or more, when combining the borrower’s age with the loan repayment period, must not exceed 65 years (except for business owners who can prove certain income when combining the borrower’s age with the loan repayment period must not exceed 70 years)
– have a stable career and income
– Be an existing customer or a new customer who has suffered a disaster
– In the case of former home loan customers with outstanding debts All outstanding balances must be paid before participating in the measure.

Margin : Land with buildings according to the purpose of the loan application located in the disaster declaration area

Loan Payment : Pay the loan in one installment when the renovation is complete. Or can be paid in installments according to the results of the construction or the addition of repairs according to the needs of the borrower.

Deposit 3, emergency loan, Government Savings Bank to help flood victims

3. Credit to alleviate the suffering of SMEs who have suffered a disaster

Credit to alleviate the suffering of SMEs who have suffered a disaster from the Government Savings Bank It is a project that aims to alleviate suffering from disasters such as floods, storms, and fires.

Loan amount : Up to 10% of the original loan amount, but not more than 5 million baht

Interest Rate :
– Year 1 = 3.50% per year
– Year 2 onwards = MLR per year
– No principal payment for 1 year

Installment period : up to 5 years

Loan amount : Consider the necessity and ability of the borrower to repay the debt. The maximum credit limit is 10% of the loan amount for all types of original business loans. The maximum is not more than 5,000,000 baht per person.

Borrower properties

– Be a customer of the Bank’s original business loan
– long term loan There are no outstanding debts on the date of requesting the loan.
– short term loans comply with the terms of the loan agreement
– Able to apply for a loan at the Government Savings Bank branch/organization of the original loan account holder
– Be an entrepreneur in a disaster-affected area and affected

Deposit 3, emergency loan, Government Savings Bank to help flood victims

However, for those who meet the requirements, they can apply for a loan at a local Government Savings Bank branch. Or call GSB Contact center 1115 for more information.

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