Type of Loan

• Long-term loan
• Overdraft (OD)
  
• Promissory Note (PN)
• Letter of Guarantee (LG)

Installment Period

Long-term loan : up  to 10 years
Other loans as determined by KBank

Loan Limit

12 million Baht

Interest Rates

Starting at MRR + 3% per year

Fees

Maximum 2.5% of letter of guarantee (LG ​only)

Collateral

• Business facilities
• Residential property
• Vacant land
• Condominium
  

• Private or corporate individual of Thai nationality
• Be at 20-65 years of age and older (not older than 75 years old for current customers)
• Have operated a business for more than  2 years
• Good financial standing by KBank criteria

Private Individuals

• Copy of the national ID card of the applicant, spouse, guarantor, and collateral owner
• Copy of the house registration of the applicant, spouse, guarantor, and collateral owner
• Copy of a marriage or divorce certificate or spouse's death certificate (if any)
• Copy of a name-surname change certificate of the applicant, spouse, guarantor, or collateral owner (if any)
• Copy of the business registration and / or other government-issued documents
• Documents showing the income of the business such as account statements, bills, etc.
• Copy of the collateral ownership document (for loans that required collateral only)
• One-year performance summary – both complete and incomplete (In case LG requested for bidding or advance payment)
• Other documents as specified by KBank

Corporate Individuals

• Copy of the national ID card of
  • Managing director
  • Authorized signatories
  • All shareholders holding at least 20%
  • All guarantors
  • Grantor and grantee of power of attorney
  • Collateral owner
• Copy of the house registration of
  • Managing director
  • Authorized signatories
  • All shareholders holding at least 20%
  • All guarantors
  • Grantor and grantee of power of attorney
  • Collateral owner
• Copy of Name Change Certificate of managing director, juristic person’s authorized signatory(ies), shareholders holding shares of at least 20 percent of the total, all guarantors, grantor of authorization and authorized person, collateral owner (if any)
• Copy of Corporate Registration Certificate and copy of the corporate objectives (within 3 months)
• Copy of corporation's Memorandum of Association and Articles of Association
• Copy of shareholder registration (within 3 months)
• Financial statements submitted to the Revenue Department in the latest year and the two previous years
• Tax paying evidence or monthly buying and selling report of the past 3 months
• Documents showing the income of the business such as account statements, bills, etc.
• Copy of the collateral ownership document (for loans requiring collateral)
• Tax Payer ID Card (if any)
• Minutes of meeting showing the board’s consent to apply for a loan with the bank
• One-year performance - complete and incomplete (in case of request for LG for bidding or advance payment)
• Other documents as specified by KBank